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Free Download: The Basic Budget

Because financial situations vary, it can be tricky navigating the world of budgets and money management software. The more variables in your household means a more complicated budget, so many people with simple needs can feel overwhelmed. I’ve created a basic budget that is a great starting point for those who are new to budgeting or are looking for a simple solution that works. The…

Create a basic budget

Saving money is more than just lowering your bills and clipping coupons – it’s about spending less than you make. The best way to ensure that you are in fact spending less than you make is to create a budget and stick to it. Many people don’t know where to begin, but billcutterz.com is here to save the day. Part One: Fixed Essentials – This…

Credit Cards 101

Depending on how you use them, credit cards can either be a great financial tool or they can be a burden of improper spending and lead to a mountain of high interest debt. No matter what kind of credit card user you are, you should always read the fine print so you know all of your rights and those of the credit card company. Make…

Tips for saving on your grocery bill

Make a list and stick to it. The biggest way to go over budget when grocery shopping is deviating from your shopping list. Setting a budget will help you stay on track and ensure you’re not overspending. Don’t always buy the generic unless it is actually cheaper. Depending on the store, generic items aren’t always cheaper. When comparing unit prices, make sure the brand and…

Tips for lowering home insurance costs

Saving money on your homeowners insurance is easier than you think and you do have the option of shopping around. Follow these tips to lower your home insurance costs. Before buying a house, make sure to lookup the Comprehensive Loss Underwriting Exchange (CLUE) report. The CLUE report tracks insurance claims for properties and if your house has a bad claims history, your insurance premiums will…

Best Time to Buy: January

The first month of a new year means plenty of discounts, coupons and promotions to take advantage of. January is a great month for consumer bargaining power because most shoppers are not shopping because they’re broke from the holidays.

Tips for lowering car insurance costs

Before buying a car, shop around for car insurance quotes. Premiums vary by type of car, age, price, repair cost, safety record and likelihood of theft. And that’s not accounting for your driving record or location. Saving money on car insurance isn’t always as easy as a 15 minute phone call, but it can be. Choose a car that fits your all-around budget, not just…

End of year money moves

If you’re planning to buy a car in the near future, now is the time to do it. With end of year quotas to be met, salesmen have a thousand more reasons to help you drive away before the new year in a heavily discounted ride. Prepare for you taxes. If you need to make any purchases or pay anything off during this tax year,…

8 Ways to save big on health insurance

One: If you already have your health care insurance policy in place, one place to start saving is by raising your deductible. By raising the deductible you will gain the benefit of lowering your premiums. Say for example you raise your deductible from $500 to $1500; this should save you around $1428 in premiums per year. In effect, the savings you get will almost cover…

Bartering and borrowing with your neighbors

Bartering is a practice that was lost through the growth of economical trade, but has been making a comeback. There is an organization in Kennett Square, Pennsylvania called the Kennett Time Bank that ups local bartering to a whole new level. The bartering service puts people together that will mutually benefit from something the other provides. The Kennett Time Bank relies on volunteers for everything…