5 Ways to Save on the Cost of Buying Contact Lenses and Glasses

eye doctor glassesIf you don’t wear glasses or contact lenses, consider yourself lucky. I have worn both for more than 15 years, and it is not fun – nor cheap. That being said, advancements in the industry have made it easier than ever to get what I need in order to see clearly and comfortably. And since I have been buying glasses and contacts for so long, I have learned a thing or two along the way about saving money.

If you need corrective lenses (and would rather not get into LASIK eye surgery cost and risks), shelling out is unavoidable. But here are 5 ways to help soften the financial blow the next time you have to buy glasses or contacts:

Click to continue reading...

Personal Finance Round-Up: Are You Bored of Your Job?

Work is not the greatest of things that we have to do in life. Most people in my experience don’t like their job. I’ve heard that in order to be happy in your job, you must like two of three things: the people you work with, the work itself, or the pay. Pick two and you’ll be happy.

I’m sure there are plenty of other, more specific reasons to be happy, but I’d say these three things do a pretty good job of summing it up. So what about the other majority of people who only have one of these three things, or worse, none of them? There is a good chance that in this job market, they will have trouble finding something else even if they are unhappy in their job, so are they just stuck in an unhappy position?

Click to continue reading...

IRS Announces Tax Filing Delays and New Tax Deadline For 2011

tax time delaysMany of you may have noticed the headlines announcing possible delays for tax filing. These delays are meant to allow the IRS time to catch up with the tax legislation passed late in the year by Congress and signed into law by President Obama on December 17, 2010 (i.e. Bush tax cuts extension bill).

Some of the headlines I’ve seen have implied that things over at the IRS are out of control and will cause all kinds of problems across our tax filing system. As I have dug into the issue, I’ve realized that everything is going to be okay, and there should not be any major headaches.

Click to continue reading...

How to Arrange Furniture in a Living Room and Better Utilize the Space in Your Home

Cluttered furniture with no traffic flowI have a very interesting layout in my home. It basically consists of one big living room that is opened up to a kitchen and eating area, and a hallway with three rooms and a bathroom attached to it. I’ve never really seen a home like it before, and it is part of the reason why we love it so much.

However, having a home that consists of one big room is not very practical once you throw some furniture into the mix. We struggle with how to split up the space while encouraging flow between the areas.

Click to continue reading...

New Amazon Kindle 3 Review – Is the Book Reader Worth the Money?

amazon kindle 3I have very few possessions that I treasure, mainly because I’m just not that attached to physical things. But without a second thought, I would put my Amazon Kindle into that very elite group of items I could not live without.

The price has come down considerably since the Kindle first came out. It’s now at, what I consider to be, an affordable $139. But many people are still wondering: is it worth the money? And perhaps even more importantly: could the Kindle save you money?

Well, the answer to that question depends on several factors.

Click to continue reading...

Kiva Microfinance Loans – Consider Loaning Money to Entrepreneurs in Developing Countries

Kiva lendeeMeet Esthere Uwamahoro. She’s 33 years old, married with two children, and lives in Kigali, Rwanda. She’s in the spare parts business, and she needs some help.

In short, she needs a micro-loan to help expand her business. Her hope is that if she has the money to buy more spare parts, she’ll have a wider selection to offer her customers. She wants her business to be successful so that she’ll be able to make more money for her family.

Normally, 99.99% of us would never hear about Esthere’s plight. How could we? We’re half way around the world.

Click to continue reading...

10 Best Indoor At Home Exercises & Workouts Without Equipment

man woman work outSome days, it’s just really difficult to go outside, especially in the winter months. It can be rainy or cold, and the sun may already set by the time you get off work.

So what are you going to do to get some exercise, especially if you don’t have a gym membership to rely on or want to stay healthy and exercise at home on a budget?

Here are 10 ideas for ways you can exercise indoors at home for free or on the cheap.

Click to continue reading...

Catalog Choice Review – How to Stop Junk Mail from Coming to Your House

Are you sick of getting a stack of catalogs in the mail? Are you tired of having a gigantic Yellow Pages book dumped on your front porch every few months?

Join the crowd. Junk mail is a serious problem in the US. Over 100 million trees are cut down to create our junk mail. According to Do Not Mail, that’s the equivalent of cutting down the entire Rocky Mountain National Park – every year.

Plus, we get over 10 billion pieces of unwanted junk mail a year – and that’s just in the United States. We’ll spend, on average, 8 months of our lives dealing with all this junk mail.

Click to continue reading...

How Your Credit History Can Cost You on Car Insurance – Get Your Auto Insurance Score

car insurance accident claimAuto insurance scores are finally starting to share some of the limelight with credit scores. Consumers are learning more about what this other credit scoring model is and how it could potentially raise or lower car insurance costs.

So what exactly is an auto insurance score? Here’s the lowdown on how auto insurance scores work, how “fair” are they, and what you should do about yours to improve your situation.

Why Does My Credit Affect How Much I Pay For Auto Insurance?

That’s the question most people wonder about auto insurance scores: how on earth is their credit rating related to their car insurance?

Click to continue reading...

5 Easy Home Improvement Projects & Upgrades For the Winter

paintIf you’re like most people, you’ve been spending a lot of time indoors lately. Unfortunately, there are several more months of winter to get through before we start seeing signs of spring.

Before you throw your hands up in despair, why not break the monotony by working on your house? After all, you’re stuck inside anyway, and you’re probably searching for something to do that doesn’t involve watching endless reruns of Glee while eating any carb that will stand still. Plus, some home improvement projects will increase your property value, save money on your utility bills, and potentially prevent larger, more expensive issues from developing.

Click to continue reading...