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What is a Layaway Plan? The Advantages and Disadvantages

One of the items making a comeback since the recession has been the concept of layaway. If you are considering making a large purchase, layaway can help you avoid the costs associated with putting your big-ticket items on a credit card. You still get the benefit of small, manageable payments, but without the element of … Read more What is a Layaway Plan? The Advantages and Disadvantages

Extreme Couponing: 6 Reasons It Will Not Work for You

Extreme Couponing: 6 Reasons It Will Not Work for You 8

Anyone watching the latest trend in reality television probably has drooled a little bit after learning people are saving hundreds of dollars on their grocery/shopping bills by clipping a few (thousand) coupons. Some of us might even be envious and consider taking up the couponing lifestyle themselves. Who wouldn’t want to get cartloads of groceries … Read more Extreme Couponing: 6 Reasons It Will Not Work for You

The Secret to Spending Less Than You Earn

The Secret to Spending Less Than You Earn 30

If you read enough personal finance blogs, you’ll see a common theme and the number one answer to your financial dilemma — “Spend Less than You Earn.” Unfortunately, it’s easier said than done; otherwise, we wouldn’t have this rampant debt problem in our society. Fortunately, I went through this myself, and over the years, I’ve … Read more The Secret to Spending Less Than You Earn

21 Money-Saving Gadgets That Pay for Themselves

21 Money-Saving Gadgets That Pay for Themselves 34

We are inevitably going to be divided into two groups — the people who can’t live without their gadgets, and those who believe that the saturation of gadgets in our everyday lives has simply made things more complicated. However, we can all agree that there is a place in our lives for the gadgets which … Read more 21 Money-Saving Gadgets That Pay for Themselves