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Home Authors Posts by Amy Livingston

Amy Livingston

Amy Livingston is a freelance writer who can actually answer yes to the question, "And from that you make a living?" She has written about personal finance and shopping strategies for a variety of publications, including,, and the Dollar Stretcher newsletter. She also maintains a personal blog, Ecofrugal Living, on ways to save money and live green at the same time.
Selling Your Stuff Taking Photos

Amazon vs. eBay – Which Is Better for Selling Your Stuff Online?

If you're looking for ways to pick up a little extra cash, it's probably crossed your mind to try going through your closets looking for old stuff you can sell. Unused clothing, jewelry, collectibles,...
Senior Using Laptop On College Campus Learning Back To School

Free & Cheap College Classes for Senior Citizens (By State & University)

Many people look forward to retirement as a time to travel, garden, play golf, or visit their grandchildren. Others have no definite plans beyond a vague idea about "relaxing." When they leave work, they...
Stuffed Animal Stethoscope Wooden Blocks

Children’s Health Insurance Program (CHIP) – Coverage & How It Works

In 1996, 10.6 million American children — one out of every seven kids in the country — had no health insurance, according to a report from the Census Bureau. For kids from low-income families, the numbers...
Counting Dollars Hands Cash

How Much Does Your Job Really Pay? – Calculating Your Hourly Wage

If you're like most Americans — about 70%, according to a 2017 Gallup poll — you're not that happy with your current job. Maybe you've fantasized about quitting to do something more satisfying, like starting a...
Stop Child Identity Theft

How to Prevent & Avoid Child Identity Theft – Protection For Your Kids

Picture this: One day, you're going through your mail, and you find a summons for jury duty. The funny thing is, it's not for you; it's for your child, who's only 8 years old....
Starter Home Keys Concrete

Should You Buy a Starter Home as a First-Time Home Buyer?

Shopping for your first home can be a bit discouraging, especially in a hot housing market like Boston or the San Francisco Bay Area. In these areas, even modest single-family homes commonly sell for...

6 Ways Pinching Pennies by Being Cheap Can Cost You Dollars

When you're living on a tight budget, you get in the habit of pinching pennies wherever you can. You switch off lights in any room you aren't in, drink only tap water, and always...
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How to Deal With the Family Glitch in the Affordable Care Act

In 2014, a woman wrote to Consumer Reports with a problem. She said her husband was able to get health insurance at his job for $130 a month, which was about 4% of their...
Stop Living Paycheck

How to Stop Living Paycheck to Paycheck

According to a 2017 CareerBuilder survey, 78% of all workers say they live paycheck to paycheck. It's not just low-wage workers who have this problem, either. Nearly 1 out of 10 workers making $100,000...
Girl Hiding Face With Hands Black White

4 Fears That Cost You Money and How to Overcome Them

Everyone, from powerful world leaders to babies in their cribs, is afraid of something. Fear is a normal human response to danger — and most of the time, it's a useful one. It can lead...
Credit Cards Frozen Snow

How to Lock or Freeze Your Credit and Why You Should Do It

In September 2017, hackers broke into the servers of the credit bureau Equifax, gaining access to the personal information of roughly 143 million Americans. In the wake of this attack, many financial experts urged...
Rising Interest Rate Coins

What Do Rising Interest Rates Mean for You? – Effects & How to Prepare

For much of the past decade, interest rates have been at historic lows. Interest rates set by most lenders tend to go up and down based on the federal funds target rate, or the...