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Building a home office on the cheap

Working from home can end up saving you a bundle over time, but what about the startup costs? Building a home office can be expensive, but if you follow this guide, you can save big. Assess your needs and figure out essentials Your first step is to decide what your home office really needs. It can be tempting to deck it out with the latest…

10 Unique Valentine’s Day ideas on a budget

Give your loved one the WOW factor this Valentine’s Day without breaking the bank. Heart Cut-outs Your significant other already knows how much you love him or her, but do they know how much you appreciate the small things they do for you? You will need construction paper, scissors and a pen. Cut hearts out of the construction paper and write personalized messages telling them…

Always keep your change

Bank of America’s Keep the Change program was first introduced a few years ago and I tried it out while I was still a customer. I am not someone who can easily save money because I love to spend it, but there are small ways to trick yourself into saving when you still have easy access to your money. This method works because it’s the…

Surviving the Snowpocalypse

With the incredible storm wreaking havoc on half the country, you may be wondering how to survive three days trapped in your house. Contacting the outside world Charge up all the cell phones in your house. Go get that old Motorola Razr out of the basement and charge it. If you’ve lost the cord, it can be charged with a regular micro USB cord. If…

Valentine’s Day on a budget

Valentine’s Day is one of the most commercial holidays and can get very expensive, but it doesn’t have to. If you think creatively, you can have a great time without blowing your budget. If you have children, send them elsewhere. Can’t find a sitter or a willing friend or family member? Treat them to a campout in the yard, basement or another room. You can…

Terrific tips for tax season

The end of January means W-2s are getting mailed out and you can start preparing your taxes. Here are some tips to ensure your yearly tax return goes smoothly. The normal deadline for tax returns is April 15, but this year you get a 3 day extension. Emancipation Day, a holiday in the District of Columbia, falls on the 15th this year. However, if you…

How long should I keep financial records?

If you’ve never had to deal with a tax audit, you may not know the importance of keeping financial records. Even if you keep receipts and statements unorganized in a giant box, it’s better than getting rid of them. An organized system would work best, but not everyone has the discipline or desire to organize their financial records. Tax Related Documents – 7 years Returns,…

How small cutbacks lead to great savings

If you’re still sitting on the fence about whether to implement any money saving techniques in your life, this may be what knocks you off that fence. Quicken’s personal finance blog has a huge visual showing how small cutbacks lead large savings. Thinking about the individual effort and savings may not seem like it’s worth your time, but if you look at the big picture,…

Questions to answer before signing an apartment lease

What else is out there and how does it compare? Before doing anything and everything, always shop around. You’re going to be living in this place so compare most than just rent when shopping around. You want to actually enjoy the lease term you’re agreeing to. What are the special offers? Before signing a lease, be sure to ask about any special offers for new…

Track your spending

The first and most important step to a debt free lifestyle is tracking your money. Where it comes from and where it goes. If you know where and how every penny is spent, then you can begin the journey toward financial responsibility. You can use any kind of method you want from a checkbook register to Excel, Quicken, your cell phone or even a notebook.…