Smart Spending

Smart spending is all about using your money wisely — it is about reducing your expenses and making good buying decisions. Basically, these articles cover everything you need to know to make the most of your money. Additionally, check out these related sections: budgeting, taxes, and insurance and risk management.

Smart Spending is a subsection of expense management.

How to Have an Inexpensive Wedding

How to Have an Inexpensive Wedding

The average couple in the United States spends about $26,000 on their wedding. That’s enough money for a down payment on a decent home, to fully fund a 12 month emergency fund, or to buy a […]

Don’t Break the Bank on Holiday Technology

Don’t Break the Bank on Holiday Technology

Too often we spend all of our Christmas budgets on technology that seems to go obsolete when the new year comes around. This often leads to our loved ones returning items or getting stuck in long […]

How to Choose the Best Charity

How to Choose the Best Charity

Whether due to the holiday spirit or simply trying to maximize tax deductions for the year, many people finish out the year by giving money to worthy causes and charities. You have until December 31st to […]

What is the Latte Factor® and Can It Really Make You Rich?

What is the Latte Factor® and Can It Really Make You Rich?

One of the most recognized concepts in personal finance is the Latte Factor®. David Bach trademarked this concept as part of his personal finance and financial planning ideas. The basic concept is this: If you stopped spending […]

Do You Think Making Your Own Applesauce is Worth It?

Do You Think Making Your Own Applesauce is Worth It?

In early October, my mom came over and taught me how to make homemade applesauce and bottle it for future consumption. Anyone who knows me is well-aware that I’m not what you would call a homemaker. […]

What is a Layaway Plan? The Advantages and Disadvantages

What is a Layaway Plan? The Advantages and Disadvantages

Halloween is over and the holiday shopping season — don’t fool yourself…it starts way before Thanksgiving — is underway. One of the items making a comeback since the recession has been the concept of layaway. If […]

Should You Buy an Extended Warranty?

Should You Buy an Extended Warranty?

An extended warranty is available for purchase when you buy certain products such as consumer electronics and automobiles. It adds additional warranty protection either from the time of purchase or after the manufacturer’s warranty expires. While […]

3 Power Tips to Take Control of Your Expenses

3 Power Tips to Take Control of Your Expenses

When it comes to personal finance, you essentially have two major areas of focus: your income and your expenses.  On the income side, you’re dependent on a number of external factors such as the economy, your […]

The Pros and Cons of Automatic Bill Payment

The Pros and Cons of Automatic Bill Payment

Technology has made it easier than ever to automate your finances. Indeed, it is a fairly simple matter to just put things on automatic. From direct deposit for your paycheck, to automatic debit for your bills, […]

Sales Tax Holidays for Back-to-School Shopping and Online Coupons

Sales Tax Holidays for Back-to-School Shopping and Online Coupons

I received an informative message from BargainJill.com about a tax-free weekend in August that will happen in 13 states. During the month of August, Alabama, Arkansas, Connecticut, Florida, Iowa, Louisiana, Maryland, Mississippi, Missouri, New Mexico, North […]

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