The series, “How To Save Money” is designed to help you make smart purchases.

  • Ways to Save Money - Replace Garage Door Torsion Spring on Your Own
    I was sitting in my bed a few nights ago and heard a loud noise from the garage.  It sounded like a loud bucket falling.  I went to the garage and saw nothing out of place so I checked outside and still found nothing.  The next morning I went out to start my car and raised the garage door.  The door went up about 2 feet and then stopped.  I lowered it and discovered the garage door torsion spring above the garage door was broken. I called a couple of local companies and the cost to replace both garage door
  • How to Pay Yourself First

    In almost every great financial book, the author advises you to pay yourself first. This advice is echoed by Dave Ramsey and Rich Dad Poor Dad. But how do you do this?

  • How to Set New Year Resolutions You Can Acheive
    When I think of New Year Resolutions, I think of the story of the little girl and the ham.    The entire family was at the house, including the little girl’s great grand parents, on Christmas day.  The wrapping paper had been cleaned up and the toys were stacked in little piles.  The kids were each playing with their favorite toy and the grown-ups were watching the Christmas Day parade on TV.  Susan, a 7-year old girl, wandered into the kitchen and started watching her mother make the Christmas ham.  Her mother got the ham out of the refrigerator and placed
  • Is Tuition Insurance Worth It? 7 Questions to Ask Yourself
    My daughter started at a private school this year.  While I wish I could say that we are rich and pretentious, I cannot.  My wife and I work in “the city” and live in the suburbs.  We wanted to put her in school where we live but we could not get back before 6 p.m. when the after school programs closed.  I did have a minor heart attack after calculating the tuition payment, after school care, and extra curricular activities. Tuition Insurance: Hype or Help? One of the pamphlets they gave us was for tuition insurance.  I remember back in
  • Get Rich and Be Sexy! How to Set SMART Goals
      In Sid Savara’s article, Why 3% of Harvard MBAs Make Ten Times as Much as the Other 97% Combined, he cites a 1979 study that focused in on one question – “Have you set clear, written goals for your future and made plans to accomplish them?”  The study reports that only 3 % of the MBAs wrote down their goals and their achievements were far above their classmates.  While this study was a hoax (Savara points out in a later article) the basic principle for the study holds true – set goals and you will be more successful. So, how
  • Types of Goals - Budget Life
      A tourist in New York City walks up to a man playing the saxophone on the street and asked, “How do you get to Carnegie Hall?”  The street musician replied, “Practice man, lots of practice.” In life, especially in your finances, you need to set goals to get where you are going.  Today, we are going to walk you through the different types of goals and later this week we will discuss how to set goals.   Types of Goals There are four types of goals I’m going to cover today.  The first three are distinguished by their time
  • 5 Gifts For Yourself That Will Save You Money Too
    After you have been married for several years, gifts take on a different flavor.  I remember that for our first Christmas, my wife found a little Tiffany Blue Box under the tree.  These days, we are a bit more practical and even buy gifts for ourselves.  I’m not here to pass judgment, just give you some ideas.   Gifts For Yourself That Will Save You Money   Wi-Fi Thermostat – I’m a geek and love my gadgets.  When my thermostat went out, I bought a wi-fi programmable thermostat from Honeywell.  The key to saving you money is the programmable part.  I
  • 5 Family Gifts That Save Money
    As your family grows each year, gifts can take on many different flavors.  This year, resolve to buy gifts for your family that will save you money and bring you closer together.  Here are 5 ideas. 5 Gifts For The Family That Will Save You Money   Amazon Prime Membership - My wife and I love Amazon Prime.  We have a Roku player that allows us to watch free movies and television shows, we get free books on the Kindle, and Free two-day shipping.  Let’s face it, you can find some good deals online, until you factor in the shipping.  With Amazon Prime,
  • 5 Ways to Save Money on Groceries During Food Drives
    Tis the season…for food drives.  There are lots of needy families out there that need your help.  The best thing you can do is to give, and give more.  To do this, you need some ways to save money on groceries during food drives. Growing up, my single mother raised six kids.  Saying money was tight would be an understatement.  Some of my favorite memories as a kid were the nights when we had toast and tea for dinner.  My mom would make up as much toast as we could eat, some hot tea, and loads of homemade jelly.  It
  • 6 Ways Your Kid Can Build An Emergency Fund
    I remember moving out of the house for the first time. I was so excited to have freedom and independence.  I had good roots so I thought this would be easy.  We were taught to be frugal by our Mother who could always make a dollar stretch.  I had a budget in mind and knew what my bills were.  I ate Ramen noodles.  I shopped at the Dollar General Store to purchase my necessities. As soon as I moved out, Murphy’s Law set in and my car needed repair. It was almost $200. I had spent my budgeted money for
  • 5 Ways To Save Money On Home Improvement Projects
    If you follow my facebook posts (hint, hint, wink, wink, nudge), you know that I am in the middle of retiling my master bathroom.  This project started because I had a broken tile in my shower and bought a grout removal tool to replace my broken tile.  After removing the grout, I had another grout line that was black.  When I started removing the grout, the tile popped off and I had mold behind the tile.  My wife says this was the most expensive grout removal tool ever.  But lucky for you, I can help you learn what to do
  • 4 Ways to Reduce the Worry of the Fiscal Cliff on your Family
    As I grow older, I worry more and more about my family. I am constantly thinking, “What if something goes wrong, how would our family deal with it?” These thoughts are bolstered by waking up every morning with news anchors talking about the fiscal cliff, debt ceilings, and government shutdowns.  While I still worry, we are very well prepared.  Here are some of the things my wife and I do to lower our risk as a family. How To Reduce The Worry of the Fiscal Cliff Keep Your Paycheck the Same – When I started my current job five years
  • Save Time and Money With a Shopping List App
    How many apps do you have on your phone? How many apps do you have on your phone that can save you time? I don’t mean that you think they save you time because they are cool to use. I am talking about apps that actually save you real, quantifiable time.  Do you have a shopping list app on your phone? For the past year and a half I have been using MealBoard for my meal planning and shopping lists. I keep this app on my iPhone’s first screen and I use it every day. I love this Shopping List App!
  • 4 Ways To Save Money Eating Out
      As a busy parent, I eat out a lot.  I come up with a lot of excuses.  I’m too tired to cook.  I don’t have anything in the pantry.  I don’t feel like (fill in the blank). According to my Mint.com account, eating out at restaurants (dinner and weekends) is the 8th most expensive category in my budget.  Eating at fast food restaurants (lunch during the week) is the 12th most expensive category in my budget.  Among Mint users, American’s spend $2,343 each year ($195/month) at restaurants and $964 ($80/month) at fast food places.  According to the USDA Nutrition
  • Rich Dad Poor Dad by Robert T. Kiyosaki Review
    I left work today and it was pouring down rain.  As I pulled out of the parking lot and into the office park, traffic came to a stop.  As I crept along, I passed different roads that could have taken me to my final destination.  When traffic was good, I never took these roads because they were longer.  Now that traffic was bad, I was afraid to take an unknown path because I was unsure of the outcome.  Would it get me where I wanted to go faster or would it be a big mistake?  I followed my comfortable path
  • Ways to Save - Make a Latte At Work
    I love to save money and I am always looking for ways to save.  Last month, I showed you how to make lattes at home with your Keurig machine.   However, many offices do not allow personal coffee machines.     Today, I’m going to show you cheaper way to make lattes using a french press.   Here is how you can save money by making lattes at work. Ways to Save – What Do I Need to Make a Latte at Work You will need only a few items to make lattes at work and you may already have some
  • Total Money Makeover by Dave Ramsey Review
    The media world of personal finance has three primary leaders, Jim Cramer, Suze Orman, and Dave Ramsey.  This month, we will look at Dave Ramsey’s Total Money Makeover.  At a young age, Dave Ramsey was a millionaire and lost it all because of debt.  He was forced to sell some of his “stuff” that he loved most, like his Jaguar.  After hitting bottom, Ramsey climbed out of his hole of debt to once again become a millionaire.  The Total Money Makeover is the plan that you can use to climb out of debt like he did. Who is the Total Money
  • Ways To Save - Razors
    I am always on the lookout for new ways to save money.  Today, I’m going to give you some tips on how to save money on razors. About a year ago, I was watching television when a commercial came on for Gillette Fusion Proglide.  The commercial mentioned that you could use the razors for a week.   I was currently using the Gillette Mach 3 Razor and using each of the cartridges for a week.  Since this was supposed to be better razor, I gave it a try as a way to save money. Ways to Save Money – In Action
  • Ways To Save On Groceries - I Was Surprised
    I always look for a deal…a very good deal.  I am the type of person who cringes over spending more than $4 for a t-shirt.  So, I get excited when I find ways to save money that surprise me. Ways To Save – This One Surprised Me I ran to Target to buy some milk a few nights ago.  
  • How to Save Money - 7 Ways I Saved $73
    In the month of May, I asked myself, How To Save Money?  From that question, I developed a How To Save Money  Game.  Here are the ways I saved $73 throughout the month without any large sacrifices. How To Save Money – 7 Ways Eat Dessert At Home.  One date night, we looked at the dessert menu after our meal. The dessert was going to cost at least $9.  I asked, “How To Save Money?” My wife suggested that we stop by Target on the way home and grab something out of the freezer section.  We bought ice cream sandwiches and had dessert that
  • How to Save Money Game
    How to save money?  Expenses are mounting and I asked myself, “How can I save money?”  I’m not talking about saving a few dollars here and there.  I want to actually save money and watch it grow. One of my biggest frustrations is that people don’t actually save money when they say they are saving money.  They cut an expense here or there, but the money evaporates because they go shopping or enjoy a night out. Recently, I took a seminar on Gamification to help improve my online classes. After this seminar, I knew that I could devise a How to Save Money
  • Ways to Save: How I got my dream car for $150
    I started saving for my dream car at 13 – a red Ford Ranger pickup truck.  At 16, I did not get my red pickup truck.  This was partially because I never had any real ways to save for the the truck and partially due to that fact that I was saving bumper stickers instead of money for the truck.  I tossed those bumper stickers and that dream the day I left for college. I never got a car in college.  This was a great way to save money.  I always found a ride home from a friend and worked