How I Save Money At CVS: 30 August 2010
On this trip I paid $0.00 out of pocket for $32.75 worth of items. I have not been to CVS for a few weeks because I did not like the selection of things that offered ECBs back and I would not do my regular shopping at CVS because Walmart is lower priced.
I finally saw a few things that I wanted and could give to a friend and the combination of the coupons I had just sweetened the deal for me.
Transaction 1
Item: Cascade dishwasher tabs
Price: $3.99
CVS Extra Care Bucks earned: $1.00
Common Debt Management Myths (Guest Post)
Debt management skills are in great demand at the present time, especially for numerous consumers who find themselves buried beneath a mountain of credit card and other unsecured debt. Debt problems such as these can take on a life of their own and grow to nightmarish proportions when not managed appropriately. Beyond the sobering financial consequences they can exact, debt problems can also disrupt the personal lives of those involved and eventually assume “center stage” among their priorities. Before a debt problem has a chance to develop into an issue of this magnitude, consumers are well-advised to seek out possible solutions and to consider them carefully, finding the one that makes the most sense for their particular needs and circumstances. Along the way to finding the right debt solution, they are almost certain to encounter some well-worn myths. It is hoped that in exposing them here, it will help readers to sidestep them and to move on to other solutions that are actually worthy of their consideration. Here are some of the most often repeated myths:
Tracking my Finances in 2010: August Week 4
I have decided to post my weekly spending for the previous week on Fridays so you know how my cash has been flowing for the week. Please note that I get paid on the last day of the month so my cash flow net effect will usually be negative until the last day of the month.
This does not mean that I am adding to my debt, it just means that the money coming in is less than the money going out because bills are due starting on the first but I don’t get paid until the last day.
Why Think About Car Insurance When Shopping for a New Car?
So you have finally decided that it’s time to get a new car. There truly is so much to consider when shopping around for the right vehicle. And if you’re like most of us, you have a budget to think about. One of the main factors that will be on your mind is the car’s monthly payment.
You’re looking for a vehicle in your price range, and shopping around for that low interest loan. Right? How much of that budget are you planning to spend to bring the right vehicle home? Well, before you make any decision, be sure to take into account your possible car insurance costs. Finding the right auto insurance policy to match your new purchase will save you plenty of cash and heartache in the long-run. So, what should you consider before making this decision?
Five Ways to Save Money For Your Down Payment (Guest Post)
If you want to be smart with your money, staying out of debt is critical. Debt comes with interest attached, and paying interest is like paying for the money itself. This is redundant spending.
The conventional home mortgage is the most dramatic example of redundant spending as a result of interest. In a 30 year mortgage, at a 5% interest rate, you’ll likely pay for your home in full almost three times before the end of the loan term. That’s steep.
There are three ways to reduce this redundancy and save money.
Tracking My Finances In 2010: August Week 3
I have decided to post my weekly spending for the previous week on Fridays so you know how my cash has been flowing for the week. Please note that I get paid on the last day of the month so my cash flow net effect will usually be negative until the last day of the month.
This does not mean that I am adding to my debt, it just means that the money coming in is less than the money going out because bills are due starting on the first but I don’t get paid until the last day.
Thinking Of Starting A Health Savings Account
I had an interesting conversation with a friend yesterday about one of the ways to save money that has been in the back of my mind for a while but I never acted on it. He was now eligible for a Health Savings Account because of the high deductible and this reminded me that I am also on a high deductible plan and had been thinking of getting a Health Savings Account as well.
Why The Best Cash Back Credit Cards May Be The Most Harmful (Guest Post)
Everyone knows that credit cards can be dangerous… they make it easier to spend beyond our means and rake up high interest debt. According to New York Times bestselling author Dave Ramsey, when people pay with plastic, they spend 12% to 18% more than they would with cash. Now let’s take that concept a step further… if people spend more with credit cards, will they spend even higher amounts if they are getting cash back or points on those purchases?
