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How Are Productive People Different?

Sometimes I struggle with being productive, and I see people around me who manage their productivity amazingly well. I know there has to be something different productive people do, and I have done a bit of reading to figure it out. I picked my five favorite articles, and I found a consistent theme in them. Focus on the Big Stuff In other words, don’t…

Responsible Credit Card Use

Keeping track of your credit and using it responsibly is a large part of financial fitness. Here at BillCutterz, we believe that being credit savvy is just as important as getting your bills reduced. Rather than telling you to get rid of credit cards, I’m going to outline some tips to help you deal with them. Start Learning Young Talk to your children about…

Puzzled by Credit Scores?

Credit scores are confusing to understand, and hard to control. How many of you know your credit score? Okay, how many of you know how it can affect your everyday life? Sadly, I know both, and I really want to improve mine. I have spent some time wading through the information and collected some facts and helpful steps to follow in your quest for a…

Mortgage Preparation: What You Need to Know

So many of us dream of owning a home, but are unsure how to make it happen. I don’t have advice today on how to find a home, but I have researched how to prepare yourself for a mortgage. Do Some Accounting Work The first thing you need to do is figure out your current budget, and make sure you have some money saved…

Identity Theft: It Can Happen to You

Saving money and alleviating stress are our focus here at BillCutterz. Identity theft can cost you a lot of money and create incredible stress. I have compiled a list of helpful tips to help prevent both, and a list of what to do if you become a victim. Take a Few Precautions The most important thing is to take some reasonable precautions with your…

Maintain Your Car Now to Save Money Later

Today I am going to talk about how spending a little money now can save you a lot of money later. Your car is probably important to you, and properly maintaining it can pay off in the future by preventing big repair bills. Oil Changes There is some disagreement over exactly how often to change the oil in your car, but everyone agrees it…

Last-Minute Tax Tips

April is here, and Tax Day is a few weeks away. Since the 15th falls on Saturday this year, we get an extra two days to file or to procrastinate if that is your habit. It’s getting late to do much to reduce your tax burden, but here are a few last-minute tips that might help. Collect Your Paperwork I can’t stress this enough.…

Creating a Budget 101

This is Budgeting 101 for all of you who have never created or used a budget before. Many people think a budget is limiting, but creating one will free you. You will have more time to focus on other things if your money plan is working right. And you’ll worry less about money if you control it instead of letting it control you. It’s…

Budget Tune-up for the New Year

Budget Tune-up for the New Year I know, budget is a dirty word to lots of people. But even a basic one can help you control your money instead of having it control you. This week is a quick post about the budget you already have and how to give it a tune-up to work better for you. I’ll cover how to budget from scratch…

How Much Do Pets Cost?

Pets can bring never-ending joy into our homes and the lives of us and our families. They’re our best friends and are the most loyal beings we know. But, with great friendship and love comes a price tag; how much do pets cost? Every pet we own, no matter what kind, has to be fed, watered, sheltered and generally cared for. It’s so important to…