5 Personal Budgeting Tips For Those Who Hate Budgets

Do you love to budget? Do you look forward to planning out your budget for the next month? Do you brag to your friends about your budget?

Yeah, I didn’t think so.

But you still want to save money and be frugal, right? It’s a conundrum a lot of people face, since the best way to save money is to have a budget that you stick to. For those of you who don’t have the time, energy or inclination to keep track of every single penny you spend, don’t worry. I’ve compiled a list of budget alternatives that can still help you keep a handle on your finances.

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How To Profit From Product Launches and Big Sales

You heard it folks, Apple broke off its exclusivity with AT&T and released the iPhone to Verizon customers in early February 2011. With such a product release, big lines are sure to follow.

Apple isn’t the only company capable of creating such a buzz, however. The newest products and innovations from Microsoft, Sony, Nintendo and various other merchants have caused crowds to line up for what seems like miles.

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Free eBooks Download Sites Online – 8 Ways To Get Cheap eBooks & Audio Books

Many eBooks For Free I met a good friend for coffee at a book store not too long ago. As we were waiting for our drinks, my friend saw a display for an e-reader and said to me, “I don’t understand what the deal is with all these book reading things.” I nearly died laughing because of the way she said it, but at the time, I completely agreed with her. Why would I pay at least a hundred dollars for an electronic contraption, that I then have to purchase books for, when I could get an actual book from the library for free?

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6 Simple Ways to Save Money With Your High-Speed Internet Service Provider

high speed internetIt has been a long time since having high-speed broadband Internet service went from being a point of geeky pride to an essential utility.

And like all utility providers, Internet service providers will do everything they can to extract the most revenue from each of their customers.

Fortunately, there are six tactics savvy customers can employ to enjoy broadband service at the lowest possible price.

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How to Afford College Study Abroad Programs with Scholarships & More

study abroad chalkboardDuring the fall semester of my junior year of college, I studied abroad in Buenos Aires, and I can’t believe I almost didn’t go. I knew I wanted to study abroad, but I wasn’t sure if I could afford it. On top of regular tuition, I’d have to pay separately for housing, meals, and entertainment.

As it turned out, my study abroad program saved me money: I ended up shaving off a third of my usual on-campus expenses for the semester.

If you’re interested in studying abroad but you’re worried about affording it, consider these four ways you can make it work.

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Dividend Reinvestment Plans (DRIPs) and What They Offer Investors

stock chart dividendsStocks are generally thought to be risky investments (when compared to investing in bonds). And even though the average annual yield is great at around 12%, the market can be difficult to predict. However, there are ways to remove some of this risk by investing in dividend reinvestment programs (DRIPs). These programs can remove some of the brokerage and investment management fees that would otherwise eat away at your investment.

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What is Asset Allocation & Stock Investment Diversification – Definition & Strategy

diversification eggs basketWhat is diversification and why should you care about it?

Essentially, diversification is not putting all of your eggs in one basket when it comes to investing. There are several ways to look at it, but the key is that you are investing in different types of assets. That can mean investing in different asset classes as well as having a variety of types of stocks.

So, where should you focus when it comes to diversifying your portfolio and determining your personal investment portfolio asset allocation?

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10 Fun Valentine’s Day Activities and Crafts Ideas for Kids and Couples

mother daughter valentines day cookingIn the past, I always thought of Valentine’s Day as a holiday that celebrated romantic love. Fancy dinners at expensive restaurants, jewelry and diamond rings, chocolates, flowers, and proposals are the things that came to my mind. However, as I’ve gotten older, I have realized that it’s not just about romantic love. Valentine’s Day is about all of the forms of love you share with your family, friends, and humanity.

This year, instead of Valentine’s Day being all about me and my husband, I am going to celebrate and honor all those I cherish in my life.

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Secrets of a Stingy Scoundrel Book Review – 100 Dirty Little Money-Grubbing Secrets by Phil Villarreal

Book Giveaway: Read this review of Secrets of a Stingy Scoundrel, then leave a comment with the most low-down or annoying thing you’ve done to earn or save money. Best story wins a copy of the book! Deadline for submission is this Friday – February 11, 2011.

secrets of a stingy scoundrelDo you ever feel like there’s more you could do to be frugal and save money? Perhaps you’ve taken to rinsing and reusing sandwich baggies, or cutting up old clothes for cleaning rags.

But unless at least 20% of your daily calories come from stolen condiments, according to Phil Villarreal in his book, Secrets of a Stingy Scoundrel: 100 Dirty Little Money-Grubbing Secrets, you aren’t doing nearly enough.

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The Way We Pay in America – Most Popular Payment Methods, Federal Reserve Payments Study 2010

girl shopping credit cardWhat’s the first thing you look for when you get to the cash register and dig into your purse or pull out your wallet? Are you still writing personal checks, do you whip out a plastic card, or is it cold hard cash?

If you’re like the majority of Americans, you probably pay with some type of electronic payment. According the Federal Reserve, more than three-quarters of all non-cash payments are now electronic. That includes credit, debit, prepaid cards, ATM and Automated Clearing House (ACH) payments.

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