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Personal Finance Lessons Learned from Yard Sales


By Shannon Christman
It’s that time of year again. Some of us know it as spring; others call it the start of yard sale season. Yard sales (also known as garage sales, tag sales, rummage sales, and stoop sales) attract an interesting and diverse subculture of bargain hunters, environmentalists, and treasure hunters; they are […]

When Trying to Save Money Can Cost You


By Cortni Marrazzo
The other day my husband and I went to a specific grocery store that we don’t normally shop at to pick up some ice-cream that was on sale. Normally this particular kind of ice-cream (my husband’s absolute favorite) is at least $4 for a half gallon — and that’s on sale. […]

5 Rules for Taking Advantage of a 0% Interest Rate Offer


By Cortni Marrazzo
“No interest and no payments for an entire year!” This statement can stop people in their tracks when shopping and often times is the deciding factor on a particular purchase. But this statement can be a dangerous one if you aren’t careful. No interest = no worries, right? […]

Coupons Are Taxable - Why Do We Have To Pay Sales Tax on Them?


By Shannon Christman
It seems everything is taxable — even coupons! I never questioned the small print on the coupons I use, at least not the part about the customer paying sales tax. (I don’t understand why a manufacturer can say a coupon shouldn’t be doubled when it’s the retailer that makes a doubling […]

How to Opportunity Budget


By Cortni Marrazzo
When setting up and running a household budget, the most important thing is that it works for you and your household. There are many good systems and practices that people may recommend, but the ultimate test of such a system is how and if it actually works in your personal finances. […]

Grocery Bags Should Be Free!


By Shannon Christman
The boxes were gone. My three-year-old was crestfallen. He had looked forward to his regular job of returning the plastic bags from last week’s grocery shopping trip to the recycling boxes just inside the store. But the boxes are no longer there; an employee told us that the store had discontinued its recycling. […]

Ten Ways to Reduce the Cost of Printing from Your Home Computer


By Shannon Christman
Printing invitations, photos, shipping labels, and other paper items from a home computer is one do-it-yourself activity many people erroneously adopt in an effort to save money. While printing from home rather than buying in a store can save money in some cases, it may actually cost more in others. Those who […]

Short-List Grocery Shopping Tips


By Ann Hartter
I went to the grocery store this morning. My list included four items. I returned with ten. It would seem I had a problem with the impulse buy. That’s not, however, the case. Four of the things I returned with were on sale, so maybe it was sale-blindness. That’s not the case either. […]

Should The Penny Go?


By Shannon Christman
Pennies made the news this month, as they now cost more than their value to mint. (Nickels do, too.) These costs are blamed on the rising prices of the metals used to make the coins, so theoretically, you might be able to melt down a pile of coins and sell them […]

Top Dollar Store Finds


By Cortni Marrazzo
For a store where everything’s a dollar, I’m surprised I don’t shop there more often. I guess I’m a creature of habit so I’m more likely to go to a store that I know will have a particular item in stock. But recently I took a trip to my local dollar […]

Care Packages: Thanks that Costs Less


By Ann Hartter
I got a letter today from a soldier in Bagdad. She’s bored. She ranted about the perpetuality of her job, and the things she “always” does, and my first instinct is to send her another package. She suggested we send her microwavable add-hot-water foods, and movies. If it wasn’t for the cost […]

Leaving the Sale Behind


By Cortni Marrazzo
I am a sucker for sales. I’m the kind of person that will buy something that is deeply discounted even though I don’t really need it. I’ve come to realize that no matter how good of a deal it is, it’s not a deal for me if I don’t need […]

Taking Extreme Measures to Avoid Overwhelming Temptation To Spend


By Shannon Christman
Every saver knows the internal struggle with the “gimmie monster.” By sticking to our chosen saving strategies, most of us can win most of our bouts with him. But sometimes, the monster wins out too often. For some of us, spending is an addiction, and the gimmie monster devours all […]

I stopped, I looked, I wanted - Fighting the Impulse to Blindly Consume


By Jennifer Derrick
I’m usually very good at shopping with a list, knowing exactly what I’m going to a store to get, and coming out with only those items. But every now and then, like this weekend, I’m assaulted by the “I want it now monster” and I’m forced to fight my way through the impulse. […]

Why I Use Credit Cards More and More (and What Would Make Me Return to Cash)


By Shannon Christman
What I am about to say may be shocking to some in financially responsible circles: I use my credit cards more and more each year. Now, to make a disclaimer, I have never been tempted to rack up credit card debt and have only once failed to pay off the balance in […]

Why Friday is the Most Expensive Day of the Week


By Cortni Marrazzo
The most expensive day of your week completely depends on your individual circumstances and spending habits, but I think for a lot of people, that day is Friday. There are many different factors that can influence why your spending would be more on Friday than on any other day of the week […]

Get Out Your Magnifying Glass, Read the Fine Print and Save Money


By Jennifer Derrick
You can save a lot of money just by reading the fine print that retailers post on their websites and in their store polices. I’m embarrassed to admit that, as careful as I am with money, I didn’t really tune in to this fact until about a year ago. You usually have to […]

Diamond Class Action Settlement: Is It Worth Submitting a Claim?


By Shannon Christman
You may have already heard that if you bought a diamond or diamond jewelry between 1994 and 2006, you might be able to get a share of a class action settlement. Is it worth your time to submit a claim? Based on the results of past class action suits, it’s a […]

Funding The Holidays: Twelve Funds of Christmas


By Ann Hartter
Christmas cheer kicked in when I returned from my vacation and decorated my house. I emptied my Post Office box into a bag, then onto my table. Christmas cards (I scribble on a notebook some addresses before the envelopes disappear), bills (none unexpected), a couple of coupons, and junk mail galore. While booting […]

Wal-Mart Has a New Coupon Policy


By Jennifer Derrick
In recent weeks I’ve seen reports flying around the Internet that some Wal-Mart stores are accepting only ten coupons or less per transaction. For a heavy coupon user like me, this is bad news. I had hoped that perhaps it was just one or two stores that were doing this but, unfortunately, this […]