Expert advice for college-bound grads

Helping college students “figure it out” sooner rather than later is what the latest edition of the awarding-winning “Been There, Should’ve Done That — 995+ Tips for Making the Most of College,” (Front Porch Press) continues to do.

Top ways you might be wasting your money

Many consumers waste money every day without even noticing it. Yet, rethinking our habits could provide savings that add up quickly over time. Here is a list of the top ways we waste money. Are there any areas where you could improve?

5 simple ways to go green at home and save money

Thinking green throughout the year can offer some significant benefits. Here are some easy ways you can go green in your own home and lower your energy bills:
Invest in a programmable thermostat.

Save money and stay cool as temperatures rise

Excessive energy bills can be a concern in spring and summer, just as much as they are in the winter. So how can you save money while keeping your home cool? The solution is simple: Top up your attic insulation.

Maximize fall and winter energy savings with simple tips

As temperatures decrease during the fall and winter months, energy usage and costs tend to climb. These five energy-saving tips for your home will ensure the comfort of your family and your wallet.

5 simple ways to increase energy efficiency and savings

Fall and winter can be tough on your home and your wallet. As temperatures drop, chances are your furnace will be working overtime. This results in two things — greater energy consumption and higher heating bills.

Reap the benefits of a well-insulated home

Many of us know that insulation plays a key role in keeping our homes warm in the winter and cool in the summer. But did you know the benefits can go well beyond achieving basic R-value requirements? Quality insulation can provide a number of added benefits that contributes to the comfort, safety and efficiency of a home, including:

Student volunteerism can have a positive impact ... and help pay for college

Volunteerism can help young people grow into well-rounded, responsible individuals. When volunteering, kids can learn new skills, foster new friendships and contacts, and improve both their social and interpersonal skills.

Clever ways to give cash gifts

Whether it's for a couple on their wedding day, a youngster just graduating high school or as a birthday gift to a beloved family member, cash has become an increasingly popular gift in recent years. Once considered impersonal, cash is now a go-to gift for shoppers whose foremost concerns are putting smiles on their loved ones' faces.

Save money on energy bills

Home is where the heart is, where families grow, and generally where the most of our leisure time is spent. Working with green technology for the best insulation will keep your house warm, welcoming, comfortable and cozy -- and will save you money, all at the same time.

How to choose a builder

Whether the kids have all grown up and moved out or if the kids are on the way and it's time to expand a living area, building a new home is an exciting, yet often agonizing, experience. The reasons for building a new home are many, but regardless of the reason, the process of choosing a builder should remain the same.

Your dream home doesn't have to be just a dream

The dream of owning your own vacation home is one shared by men and women all over the world. Who wouldn't want their very own sanctuary from the hustle and bustle of every day life?

Things to look for when shopping for your dream home

A dream home means different things to different people. To some, an ideal home sits atop a hill and has enough rooms to accommodate generations upon generations of family members. To others, a home small in stature but with views to die for is all a homeowner needs.

Take this insulation tour for a real energy savings trip

Did you know that one-third of all air leakage in a home can be attributed to walls, floors and ceilings? You might think your home is well insulated, but if it has conventional air permeable fiberglass or cellulose insulation, gaps, seams or damage could compromise its performance.

Renovating a rental property

When the economy struggles to the point of recession, few people benefit. However, there are some businesses that thrive during a recession, using the circumstances to their advantage and actually growing business in spite of a sagging economy.

The basics of property taxes

Paying property taxes is a necessary side effect of home ownership. Across the United States and Canada, residents are required to pay property taxes based on an assessment of their homes' value.

A new year marks a great time to reassess your career

The dawn of a new year is a great time to take stock of several things in your life, including your career. The spirit of rejuvenation that characterizes a new calendar year makes this an ideal time to examine your job, where it's going and if there's anything you can do over the next 12 months to further your goals and aspirations.

Lower your insurance costs this year

At the start of a new year, many people reflect on the year that just passed and look for ways to improve their lives over the course of the next 12 months. For some, that means making resolutions. For others, it means finding ways to save money.

Don't forget finances when making resolutions

When the time comes to make New Year's resolutions, the conventional wisdom is to focus on weight. Such wisdom is understandable, as many people spend the holiday season indulging in big meals and all the treats synonymous with having fun.

Cut energy costs at home

Homeowners spend thousands of dollars per year on energy. Whether a home is big or small, energy costs are a concern for homeowners.
Though some of the costs of home ownership are beyond a person's control, there are some steps homeowners can take to reduce energy costs and save substantial amounts of money as a result.

Keep your family healthy through the holidays

The holiday season is upon us once again, and with it comes the season's notoriously hectic pace. With crowded social calendars and the stress of holiday shopping, it's easy to feel overwhelmed once the season hits full swing.
Unfortunately, many people have trouble staying healthy through the hectic holiday season.

The 529 college savings plan: a holiday gift that keeps on giving

The holiday season has arrived, and with it, the quest for the perfect gift. Hours spent at crowded shopping malls or perusing online retailers often prove fruitless, and shoppers commonly settle for something that falls short of perfect.

Explore healthcare careers now

Unemployment rates may still be high and the opportunities out there in specific careers might be waning, but there is one job sector that may be promising -- healthcare.

Cash registry:It does exist

It is sometimes difficult to ask for what you truly want as a gift. After all, you don't want to seem like you are picky, overly choosy or ungrateful when receiving gifts. So for holidays and birthdays you may make do with keeping mum and being thankful for those sweaters or knickknacks you don't need. But what about when it comes to your wedding?

Is a wedding loan for you?

Engaged couples about to take a trip down the aisle are increasingly choosing to pay for the wedding themselves. Where it used to be tradition for the bride's parents to handle the bill for the occasion, today the responsibility for funding has largely fallen into the hands of the prospective bride and groom.

Keep gift receipts organized

A relatively recent component of holiday shopping -- or any shopping for that matter -- is the gift receipt. Keeping gift receipts organized can take a little effort on the part of the shopper to ensure each gift recipient is in possession of their respective receipts.

How to manage personal debt

An individual's ability to manage personal debt is of paramount importance, and the following tips can help men and women walking a financial tightrope address their debt in a way that might help them get back on their financial feet.

The basics of estate planning

Regardless of the size of an individual's estate, there's no reason not to have an estate plan in place. The following are some of the basics of estate planning, which should be a priority for men and women, young and old.

Finding the right bank for personal banking

Though banks might be similar, the individuals who open accounts are anything but. And when it comes to finding the right fit to for personal banking, men and women should consider what's most important to them before opening a new account.

How to control online spending

The convenience of online shopping also makes it easy to overspend. When shopping online, consider the following tips that should help curtail spending.

Delaying retirement has financial, social benefits

As much as men and women envision retiring to a faraway seaside villa for their golden years, such retirements are not terribly common, and many older workers have begun to recognize the economic and social benefits of delaying retirement. Those undecided about when they want to say goodbye to the office should consider the following benefits to delaying retirement.

Things to know about using credit abroad

The opportunity to travel overseas is something few people would pass up. But before travelers board a jetliner for an adventure abroad, there are a few things they should know about credit cards and what to expect when those cards are swiped in a foreign country.

Did you know?

Stand-alone ATMs have become another tool for criminals to steal the identities of unsuspecting people.

Is work costing you money?

But even if working is essential to keeping a roof over your head and food on your table, it could be costing you more money than you realize. The following are some of the ways that work could be burdensome on your finances and some possible ways to reduce that burden.

How to beat luggage fees

Naturally, some passengers are fed up with fees and are looking for ways to skirt extra costs wherever possible. To avoid baggage fee charges, there are some things a passenger can do.

10 ways to clothe kids for less

So what can a parent who is looking to keep expenses down on kids clothes do? Here are 10 ways to scale back and keep kids fully clothed.

Avoiding financial woes from a health condition

Those who are not self-made billionaires or beneficiaries of another's vast fortune rely on their paychecks to stay afloat. Should that steady source of income be removed due to an illness or injury, it may not be long before a financial crisis ensues.

Finding a financial planner you can trust

When beginning the process of finding a financial planner, investors must take their time and exercise due diligence when vetting prospective planners. There are also a few things men and women must know about the business before the process begins.

Buying a home? Avoid these mistakes

Over the last several years, the real estate market has been turned upside down, and many prospective buyers have begun to question some of the conventional wisdom associated with buying a home. While such skepticism might be a healthy attitude in the current market, prospective buyers -- particularly those who have never purchased a home before -- should avoid the following mistakes that buyers make regardless of whether the market is up or down.

Did you know?

A credit score is a number generated by a mathematical formula, or algorithm, based on information in each individual's credit report.

Simple means to saving money

If the ongoing recession has taught people anything, it's the need for saving money. Many people were caught off guard by the recession, and studies have shown just how little men and women had saved before the bottom fell out on the economy.

Plan ahead to survive the next recession

The up-and-down nature of the economy has made it difficult to plan for tomorrow, let alone years down the road. However, there are steps people can take to protect themselves from the next recession.

Missteps young investors should avoid

As unpredictable as the market may be, investors are often much more predictable, often repeating the behaviors of those who came before them. The following are some of the more common mistakes young investors tend to make, each of which should be avoided no matter how difficult the market becomes.

Traditional IRA vs. a Roth IRA

When it comes to choosing an IRA, many people choose between a traditional IRA and a Roth IRA. For those unfamiliar with IRAs, there are differences between the two.

Popping the question? Simple tips so she'll say 'yes'

According to David Tutera(TM), wedding guru and party-planning expert, "Men should propose with personality, making it echo something meaningful to your relationship with one another and do it in a place that highlights your love story." That certainly sounds like good advice. But while women seem to have the knack for conjuring up perfect wedding-related ideas, men tend to be a bit clueless on the subject.

Fundraising dos and don'ts

Did you know that youth groups earn $1.7 billion each year by selling merchandise in a variety of different fundraisers? These dollars collected help pave the way for many programs at school and also keep certain extra-curricular activities and clubs afloat.

Unique ways to raise money for a good cause

When a cause is near and dear to a person's heart, that individual would do just about anything to lend a helping hand. Be it volunteering their time or donating their money, men and women who identify with a worthy cause are often ready and willing to help out in any way possible.

Many retailers are big donors

Private citizens are not the only ones who donate to special causes and events. Many different national and local retailers also contribute a portion of profits to charitable causes. Shopping at these stores can help encourage further programs that give back to the community.

Things to consider before donating via the Internet

Donating to charity has never been easier. Thanks to the Internet, donors can now visit their favorite charity's Web site and make their contributions in a matter of seconds. That's a stark contrast from the old days when donors needed to contact the charity for a mailing address, then write a personal check and drop it off at the nearest post office.

Making the choice to donate to your alma mater

Students spend four (or more) years paying tuition to their school. Upon graduation, many students find that the requests for donations begin with zeal. Whether or not to donate is entirely up to the individual.

Why do the poor give more?

In times of an economic uncertainty, it can be difficult for the average person to come up with a few dollars to donate to charity when they might be struggling to pay their bills. However, statistics indicate that people who have the least to give tend to give the most.

Answering the call What to do when a charity calls your home

In order to meet their goals and provide the services and programs to the less fortunate, charities must solicit donations. For larger charities with name recognition and big budgets, securing donations can be easier than it is for lesser-known charities with more financial restrictions.

Be Charitable Without Spending Money

According to Charity Navigator, a nonprofit organization that monitors charities, Americans gave more than $290 billion to charity in 2010. Thirty-five percent of all donations went to religious organizations. Much of these contributions can be attributed to people giving to their local place of worship. Donations toward educational services and programs were the second most common types of donations.

Did you know?

Black Friday might be more well known, but it's not the only day retailers look forward to for big profits post-Thanksgiving. Cyber Monday is the term used for the Monday immediately following Thanksgiving.

Giving on a tight budget

As global economic woes continue, holiday spending remains difficult to predict. In 2010, holiday spending rose more than five percent from the year before, according to MasterCard AdvisorsTM SpendingPulseTM. That increase surprised forecasters, many of whom predicted holiday spending would decline for the fifth straight year.

Beware these holiday shopping traps

The holiday season is rife with deals on items that range from the very small to the very large. But as enticing as holiday deals can be, not all of them will benefit the consumer in the long run. When shopping this holiday season, consumers should be mindful of the following holiday shopping traps.

Tipping point Who to tip during the holidays

Come the holiday season, most people find themselves in a giving mood. Gifting friends, family and even coworkers is common, but there are many other people in our daily lives who societal norms suggest deserve a gift as well.

Budgeting your charitable donation

Donating to charity is a selfless act that helps keep charities afloat. In many instances, the programs and services offered by charities are the only options for the less fortunate, who rely on charities to provide some of the most basic human needs, including food and shelter.

Results important when choosing a charity

When choosing a charity, individuals often find it difficult to narrow down the list of deserving candidates. A host of factors must come into consideration, but most individuals end up choosing a charity they have some personal connection with.

Credit Crunch Managing credit cards during the holidays

The holiday season is synonymous with many things. Among those things is holiday shopping. Some people revel in holiday shopping, while others would just as soon never see a mall again the rest of their lives.

'Tis the season for online holiday scams and cons

It is sad but true: As the holiday season heats up, so do the number of scams and cons perpetrated on unsuspecting consumers. While swindlers, thieves and pickpockets operate year-round, the period from November to January offers criminals more opportunities for wrongdoing and a population of prospective targets who are feeling generous and preoccupied with the demands and doings of the holiday season.

Daily deals make great holiday gifts

Over the last few years, daily deal sites have grown enormously in both popularity and membership. The largest of these sites -- Groupon, Living Social, Woot and Eversave -- are all expected to draw large crowds of virtual shoppers on the hunt for gift deals this holiday season.

Popularity of conventional shopping malls on the decline

Shopping malls as we know them may soon be a thing of the past. While these shopping complexes, typically with interconnecting walkways and large parking areas, have been symbols of suburban success since the mid-1950s, today's conventional malls are facing daunting challenges.

Sensible planning makes for smart holiday shopping

The holiday season is among the most stressful times of year. With long lists of things to do, meals to prepare, family and friends to entertain, and gifts to buy, many people embark on the holiday season with more fear than cheer. And with so many people trying to spend less these days, preparing for the holidays has become that much more challenging.

Secure your identity when shopping online

There is no denying that shopping online is the quickest and easiest way to zip through a holiday shopping list. With a few clicks and keystrokes, it's possible to have all of your Christmas shopping done in no time. But as many people have found out -- the hard way -- purchasing via the Internet can be risky business, especially during the holiday season when shoppers are pressed for time and make hasty decisions.

Layaway plans make a comeback

If you thought layaway plans had gone the way of eight-track players and floppy disks, think again. The deferred payment or installment plan, once popular with budget-conscious consumers — especially during the holiday season — is making a big comeback.

Six strategies for tranquil holiday travel

Traveling during the holiday season is a mixed blessing. School vacations and time off from work provide great opportunities to spend a “White Christmas” with faraway family and friends or sneak in an end-of-year getaway via “The Polar Express.” At the same time, holiday travel can be both expensive and stressful.

National College Savings Month Reminds Parents, Loved Ones to Save Early and Often

Starting a college savings plan when your children are young sets you on a path for success and can help you reduce the need for expensive student loans down the road. Establishing a college savings plan early and contributing to it often is the key to reducing, or even eliminating, student loan debt.

More Bang For Your Buck: Routine Maintenance to Protect Your Vehicle Investment and Add Years to Its Life

When it comes to vehicle maintenance, drivers should spend money to save money, since failing to maintain a vehicle can cause its resale value to plummet. Routine maintenance such as tire rotation and oil changes can prevent costly repairs to the engine and transmission, among other things.

Pay A Price For A Torn Engine Air Filter On Your Car? You Bet!

It seems as though there is a price for just about everything, even a torn or damaged engine air filter on your car. The price in this case, however, is not for the filter itself; that's no more than a couple of dollars. It is the potential damage you risk if you ignore the relevance of an engine air filter in the bigger scheme of things.

Key to Affording College is to Have a Plan

Setting goals is often the first step to achieving your hopes and dreams for yourself and your family. Making a plan, however, is crucial to making those dreams a reality. This is especially true when it comes to a college education for your children.

Easy and Economical Solutions for Those Postponed Remodeling Plans

If you cannot wait any longer to make some much needed changes in your home, you are not alone. Americans are once again getting ready to begin the home improvement process. This pent-up energy often begins in the kitchen, a room that gets a lot of wear and tear but also seems to go out of fashion more quickly these days.

Save money with an intimate, elegant night in

One of the most popular ways to make date night memorable without breaking the bank is to have an intimate and elegant evening at home. Evenings in come with all the good things an enjoyable night out on the town provides, such as good company and a delicious meal, but none of the baggage like waiting for a table or finding a place to park or getting a large bill at the end of the evening.

National College Savings Month Reminds Parents, Loved Ones to Save Early and Often

School smarts for green living School supply savvy saves money and the planet

The average family with children will spend roughly $570 on school supplies this year, according to the National Retail Federation. School does require a bevy of supplies, but oftentimes parents and students look to disposable items when shopping for supplies. Did you know that six million disposable pens are thrown away in the U.S. each year?

What to do when selling your vehicle

Selling a car is often more lucrative than trading the vehicle in at a nearby dealership. While a trade-in might be easier, selling is likely to bring back more money.

Credit score can affect cost of auto insurance

Drivers hoping to lower the cost of their auto insurance know that there are several tactics they can take to do just that. But many might not know that a better credit score can help reduce costs, as many insurance companies are increasingly turning to credit scores to determine rates and eligibility.

Understanding the enigma of extended warranties

Purchasing a car is no small undertaking. According to the National Automobile Dealers Association, the average price of a new car sold in the United States is $28,400. At that cost, a vehicle is one of the more expensive purchases a person will make in his or her lifetime. With this in mind, many drivers want to be sure the vehicle will last for years to come. Purchasing an extended warranty may offer some peace of mind.

Choosing the right auto loan lender

Perhaps because of the economic instability of the last several years, today's consumers are understandably wary when seeking loans. But even the most qualified borrowers know that certain purchases, including automobiles, require the assistance of a lender.

Did you know?

A balloon car loan is one in which a car is not paid in full when the length of the loan expires. For the terms of a balloon loan to be completed, borrowers must make one final, large balloon payment. Until that balloon payment is made, borrowers do not own the vehicle.

These bad driving habits could harm your car and cost you money

Everyone has their bad habits. Whether it's relatively harmless habits like biting your fingernails or potentially deadly ones like smoking cigarettes, some habits come in all shapes and sizes.

Is premium gas worth the extra expense?

Filling up at the gas station is an expensive way to spend a few minutes. As the cost of gasoline continues to fluctuate, drivers want to get the most bang for their buck at the pump. Understanding octane and which one is appropriate for certain cars can save drivers substantial amounts of money.

Small steps toward securing a small business loan

Securing a loan in today's economy is not as easy as it might have been as recently as four years ago. Loans are still available, but men and women should know that the process of getting a small business loan is time-consuming and often tedious. However, there are steps prospective loan applicants can take to make the process go more smoothly.

Perks go beyond dollars and cents

Salary might garner all the glory, but many times additional benefits are just as significant when one is deciding to accept or decline a job offer. The offer with the highest salary isn't necessarily the ultimate deal for everyone. Instead, it's best to consider additional benefits before making such an important decision.

Pros and cons to accepting a pay cut

It's becoming an increasingly common scenario: A supervisor calls an employee into his or her office and asks if the employee is willing to take a pay cut to avoid being laid off.

Negotiating a salary increase

For most of today's workers, simply having a job is something to be grateful for. With an unemployment rate still hovering around nine percent in the U.S. and roughly 7.6 percent in Canada and the United Kingdom, it's hard to question workers who are simply content to be among the gainfully employed.

Savings Corner Simple ways to reduce home heating costs

The return of winter weather marks the return of many things, including winter coats, mornings spent shoveling snow and, for many homeowners, higher utility bills.

Home Building News Concrete upholds newest 'building code' demands

Building codes are enforcing 'energy efficiency' in many parts of the world. A legally enforced building code specifies the community's acceptable level of safety, function, and comfort -- and some jurisdictions have mandated a requirement of 35 to 40 percent improvement.

Home Improvement Tips: Air-tight insulation delivers big returns

Household energy-efficiency is now more important than ever when selling a home. Purchasers are able to rate one residence against another, so if you want top dollar for your house some day, it's worth investing along these lines with upgrades and renovations.

Big Box Not Necessarily Best Bet

When buying anything from furniture to electronics, consumers are often inclined to turn to their nearby big box store as a first stop in comparison shopping. Although big box retailers do offer competitive prices, they may not be the best option for consumers trying to stay on budget or close to it.

The Hidden Cost of Convenience

With so many different devices deemed necessary these days, people often are unaware of the amount of energy used and the costs associated with keeping these devices running.

Shop fall sales for great deals

Consumers have the potential to save quite a lot of money if they shop the sales calendar on popular items. Many retailers discount items during certain times of the year. Autumn is one season when shoppers can find deals on many popular items.

Coupon terms to know

Caught up in couponing? Many people are clipping coupons left and right and logging online to learn the tips for finding the best deals. Whether blogging or visiting coupon chat rooms, consumers are bound to come across certain coupon abbreviations and terms.

Extreme couponing may hurt regular shoppers

Clipping coupons has always been a way for shoppers to save a little money at the check-out line. Some people have turned couponing into full-time jobs, saving as much as 80 to 90 percent at the cash register. Such exploits have been documented on television, prompting many viewers to try to emulate that success. But such tactics may be at the expense of regular shoppers.

Cut costs on your next home improvement project

With the economy still on the mend, homeowners must monitor their spending carefully. Such frugality is necessary across the board, even when it comes to home improvement.

Easy ways to boost home value

Though the housing market might not be booming, there are still buyers out there looking for a place to call their own. Some potential sellers might prefer a patient approach to selling their homes, choosing to do so when the market rebounds and homes regain some of their lost value. Other sellers might not have a choice and must make due with selling in a lackluster market.

Is DIY a recipe for saving money?

Many homeowners or renters wrestle with the question of whether to tackle a project as a do-it-yourself venture to save some money or simply leave it to a professional. Each situation is unique, but there are certain factors that must be considered regardless of a homeowner's particular situation.

Things to consider when budgeting your home improvement project

Home improvement projects have become de rigueur for today's homeowners. Be it a kitchen remodel or the ever popular man cave project, home improvement projects remain a goal for many homeowners.

Easy and Economical Solutions for Those Postponed Remodeling Plans

Improving Energy Efficiency Tops Wish List When Remodeling Home

Homeowners concerned about high energy bills have put energy conservation home improvements at the top of their must-do list this year. They are looking for green living upgrades that save money without sacrificing space or style.

Safety measures to take when banking online

In mid-2011, roughly 200,000 Citigroup credit card customers received some startling news. Hackers had accessed the gigantic bank's system, a security breach that exposed account holder's names, e-mail addresses and account numbers to hackers.

Cost-cutting entertainment tips

Cost-cutting measures are being taken in nearly every aspect of life. Thanks to the still-struggling economy, people are routinely looking for and finding ways to save money. And hosting a party for friends and family is no exception.

Simple ways to save when dining out

In light of the economic downturn of the last several years, many couples and families have chosen to forgo dining out in an effort to save money. Though such decisions may not have helped the restaurant industry, they have helped consumers save substantial amounts of money.

20 easy ways to conserve water

Every living thing on the planet requires water to survive. Without water, life as we know it would quickly perish. Despite the importance of water, many do not think ahead to what would happen if water supplies dwindled. To avoid such a fate, it's best to begin conserving water whenever possible.

Make the most of 'Christmas in July'

Though midsummer might seem like an odd time to start thinking about Christmas shopping, it's actually a great time to save money. Many retailers participate in Christmas in July promotions, which are intended to draw consumer interest in a period that is traditionally slow.

Cost-cutting measures for newlyweds

Once they have walked down the aisle and returned from their honeymoon, the next step many newlyweds look forward to is buying their own home together. Though there are deals to be had in any real estate market, the cost of home ownership is something many newly married couples cannot instantly afford.

'Green' not a buzzword but a way of living for seniors

The senior demographic is quite possibly the best generation to emulate when trying to live an environmentally responsible lifestyle. That's because so many of the guidelines for being green are concepts that have been a part of seniors' lives for decades.

12 coupon tips to save money

A recent addition to the television lineup called "Extreme Couponing" has spurred greater interest in the use of coupons. Although many shoppers on the show end up walking away with wagonfuls of items for virtually nil to add to their stockpiles of supplies, chances are most casual coupon users are looking for ways to save without going overboard.

Supplies for the 21st century student

School supplies have evolved significantly over the years. Items that appear on today's school-supply lists may be quite different from yesteryear.

How to handle student loan debt after college

Today's college graduates face numerous challenges. With the global economy still struggling, the job market for recent graduates is less than ideal.

Unique ways to save on school supplies

When it comes to school, costs are rising across the board. Though tuition hikes get most of the publicity, additional expenses associated with school can add up as well, and school supplies are no exception.

Did you know?

The highest paid teachers in the U.S. are those who work in California, where the average annual salary is $59,800.

Credit card pointers for today's college kids

College is a period of firsts. It's the first time many students are away from home for an extended period of time; it's the first time students get to choose their own coursework; and it's the first time many are left to their own devices with respect to taking care of themselves.

Smart energy-saving choices deliver faster returns

As summer temperatures continue to rise, so does the cost of energy bills. Homeowners can keep their cool with a number of energy saving options. To get the fastest payback, homeowners should identify and fix the major sources of air leaks in the home.

How to improve air quality in your home

Canadians live in anticipation for warm weather and sunshine. Yet, some summer days can be difficult to enjoy when overtaken by smog and humidity, especially for those who suffer from asthma, allergies or other sensitivities.

Go green to see more green

Homeowners overwhelmingly agree it's important to reduce their effect on the environment. Yet, research by Ipsos Reid found more than three-quarters of respondents would only spend more money to make their homes environmentally-friendly if they could make it back in savings.

Will you save by doubling the R-value of insulation?

If you're building, renovating or just thinking about improving your home, there are few better ways than the right insulation to help you save energy, reduce drafts, and improve indoor air quality.

How to separate green from "greenwash"

There is a flood of building products touting vague and cryptic claims about being green. Referred to as "greenwashing," these exaggerated assertions create skeptical and reluctant homeowners. So, how do you prove how green it really is?

Insulation upgrades deliver more bang for your buck

Spray foam insulation is one of the best solutions for homeowners who are serious about optimizing home performance; but, insulating the whole house may not be feasible or within the homeowner's budget.

Reduce cooling costs this summer

Once the first wave of summer heat arrives, homeowners everywhere look to the air conditioner to help survive the summer swoon. Though few things are as refreshing as a cold room on a hot afternoon, relying too heavily on the air conditioner is a recipe for a high utility bill, something not all people can readily afford.

6 ways to save without hardship

Saving money is often compared to dieting. People know they should count pennies like counting calories, but sometimes it can be a chore to do so -- especially when saving seems like giving up the things you like. But saving money doesn't have to mean hardship and scrimping to get by. Here are six easy ways to conserve a little here and there so it adds up in the long run.

Simple saving tips for families

Though the economy is on the mend, many families forced to make sacrifices during the downturn will continue to look for ways to maintain more control of their finances in the event another period of economic struggle surfaces down the road.

3 Ways to Save Money by Shopping Smart

When buying anything from furniture to electronics, consumers are often inclined to turn to their nearby big box store as a first stop in comparison shopping. Although these retailers do offer competitive prices, they may not be the best options for consumers trying to get the best price and service.

New Curb Appeal Products for 2011

Ready to spruce up your home's exterior this year? Several recently introduced products are designed to add curb appeal to your house while making maintenance hassles disappear.

Changes in Conventional Car Care Wisdom Help Your Bottom Line

Though we're only one full decade into the 21st century, the amount of change that has taken place in those 10 years is phenomenal. Whereas the Internet was largely seen as something to play with a decade ago, it now serves to pay our bills, stay in touch with friends and even order our movie tickets or meals.

Last Minute Tax Tips for Late Filers

Taxpayers might not know it yet, but last-minute filers will likely soon learn they have more time to file their tax returns this year. In 2011, the deadline for filing is April 18 instead of April 15.

How to Choose a Life Insurance Policy

In the event of a person's death, a life insurance policy can provide for funeral costs and also cover mortgage payments and other expenses. Choosing a policy can be difficult, but understanding life insurance is the key to knowing how much coverage to get and which policy works best for you.

`Tis the Season to Start Gathering Tax Data

Tax season is right around the corner, which can be good news or bad news depending on the individual. For those accustomed to getting a tax return, that annual financial windfall is welcomed with open arms. On the other hand, those used to a tax bill every April are far less enthusiastic when tax time rolls around.

Built Stronger to Last Longer

Building product manufacturers have come a long way over the past several decades when it comes to the creation of products for the home. Decades ago wood roofing shingles or wood millwork had a relatively short lifespan due to environmental conditions the products faced.

Big Box Not Necessarily Best Bet

Retail or Resale -- Can You Tell The Difference?

Shoppers with an eye on Monolo Blahnik shoes or a Louis Vuitton handbag may want to turn to consignment stores to realize good deals on designer duds. Consignment stores are surging in popularity all across the country. Many look the same as mainstream retailers and are taking a chunk of their business profits, too.

Restore Your Financial Reputation After Bankruptcy

According to research by the Federal Reserve, household debt relative to disposable income is at a record high in the United States. Should that continue, many financial analysts fear more and more households could declare bankruptcy.

Opportunity Knocks: Careers for Women in Science and Technology

Successful female engineers and organizations such as the Asia Pacific Economic Cooperation (APEC) and the IEEE want individuals choosing a course of study and potential career path to consider scientific fields -- like engineering.

How to Make Financial Cutbacks

For the thousands of people who have succumbed to economic woes, adjusting financial strategies has become a necessity. Downsizing financially could be the key to staying afloat or a temporary measure that helps individuals make it through the economic rough patches.

Elegant, Affordable Jewelry for Every Bride's Style

On your special day, what will be your bridal style? Romantic? Classic? Vintage? Retro? Modern? Lux? CAROLEE, the leading fashion jewelry company, is now making it easier to accessorize your gorgeous gown with jewelry to suit every taste.

Wedding Woes Be Gone! How To Make Your Dream Wedding a Reality

Brides and grooms often have an ideal of what their wedding will be -- a vision of their perfect day. While each couple's vision is unique, they all share the same burden -- the ever-rising cost of weddings.

Consumers May Want to 'Bank' on Credit Unions

Banks are not the sole option individuals have for saving and investing money or securing a loan. Credit unions offer many of the same services and may be a better fit for some people.

Out of the Closet and Into Your Wallet The Secret to Trading Your Designer Stash for Cash

Whether you dream of the day you'll fit into that designer dress again, or you're the type who loves to shop and never wear something twice, we all have clothes, handbags, shoes, and accessories, staring back at us from our closets that we're not likely to wear in public again.

Workshifting Makes $ense

Millions of Americans face tighter budgets than ever in this struggling economy. Instead of cutting employee numbers to cut costs, business owners and employees re-evaluating spending habits may wish to consider "workshifting."

Cut Down on Kids' Clothing Expenses

Kids can be expensive. Before a child turns 18, parents can expect their tab to be in the neighborhood of six figures, and that's before college even begins.
While healthcare, food and schooling may account for a good portion of those expenses, clothing purchases over the years add up, too.

Did You Know?

An au pair is a young foreigner who comes to live with a family to provide a certain level of domestic care in exchange for room and board and a small allowance for personal use.

Know When to Take a Sick Day

In today's volatile employment market, workers who have jobs are doing just about anything they can to keep them. For some, this can mean heading to work even when it may be best to stay home. Other employees fail to take sick days because a day out of work means a day without pay.

Beat Baggage Fees With These Tips

The average person's vacation is now more expensive than in years past. Airline baggage have added considerable costs to travelers' expenses.

Savings Bonds Are a Safe Investment Choice

Savings bonds are a government-issued means of saving and investing that are generally secure and offer a decent rate of return. Depending on the bond purchased, maturity rate of the bond and the interest earned can vary.

Interesting Financial Facts & Figures (289 words, US)

The general public often gets conflicting information about the state of the economy. Some news reports say that people are doing well, while others say the collective public is barely scraping by.

Facing Foreclosure Avoid Foreclosure With These Strategies

Diminishing jobs and widespread layoffs are causing many people to fall behind on their bills, including mortgage payments. That means many homeowners are facing foreclosure. But there are options to avoid it.

Investment and Retirement Glossary

Financial jargon can make the process of getting one's finances in order and making smart economic decisions a bit of a challenge. To the average person, figuring out terminology can be a stumbling block and a hassle some want to avoid.

How to Recover From Holiday Credit Card Debt

The holidays can be a joyous time of the year. But shoppers who overspend on credit cards could find that come the next billing cycle, the magic of season's greetings has lost its luster.

Questions to Ask Before Donating to Charity

With the holiday season in full swing, thousands of people are again likely to donate money to charity. While the economy has yet to fully recover from the recent recession, charitable donations have arguably never been more necessary.

Save Money on Taxes With Charitable Donations

We've all heard the saying about nothing being certain but death and taxes. As the calendar year comes to a close, many people might be thinking about how to reduce their taxable income from 2010. Charitable giving is one way to pay less in taxes.

Affordable Luxuries Holiday Gifts Under $50

Yes, the economy has us worried and many holiday shoppers know there isn't as much available cash for this season's gifts as in years past.

Easy Ways to Extend Your Holiday Budget

The holiday season can prove an exercise in financial flexibility for many families. While the spirit of the season centers around faith and family, it's easy for families to overdo it when it comes to holiday shopping. Parents can easily find themselves expanding their budgets to ensure their kids get everything on their wish list, while fellow shoppers may easily get lost in finding the perfect gift for family and friends.

World's Wealthiest Set Positive Example as Philanthropists

As the year draws to a close and the holiday spirit of giving is prevalent once again, charitable donations are likely to rise. Charities often garner more donations during the holiday season.

Credit Card Law Should Benefit Holiday Shoppers

American holiday shoppers might not know it yet, but in May of 2009 President Barack Obama signed into law an act that will help holiday shoppers who might not have used their credit cards much this year.

Plastic Pointers Use Credit Wisely When Holiday Shopping

With the holiday season upon us, shoppers across the nation are gearing up for another season of swiping their credit cards. And if statistics are any indication, more people could be swiping those credit cards this season than ever before.

Don't Let Christmas Dinner Be a Budget-Buster

Many people worry about the expenses of the holidays. Individuals who are already pinching pennies and putting as much toward gifts as possible may want to keep holiday entertaining costs low. It's possible to do so without sacrificing quality.

Avoid Hidden Fees on Holiday Gift Cards

New laws regarding gift cards are eliminating some of the hidden pitfalls that have plagued gift-givers and recipients for years.

Protect your automotive investment

In tough economic times like these, most people cut back on major purchases and try to make what they already own last longer. One sure way to make certain the family vehicle gives you reliable service is to follow the manufacturer's maintenance schedule, note the experts at the non-profit National Institute for Automotive Service Excellence (ASE).

A "New" Car for Less Than $150

hiny wheels. Flashy paint. Tricked out trim. There's nothing like the look of a brand new car. If buying a new car is a budget buster, it's easy to give your current ride that "brand new" look for less than $150. All it takes is a little imagination, some spray paint and a few tips from the experts at Rust-Oleum. Here's how:

Direct General Research Indicates High 'Intent to Drive' Among Uninsured Motorists

In a recent survey conducted by Direct General, the Nashville-based auto insurance provider, 36 percent of consumers* reported that they will continue to drive even if they are unable to keep their car insurance. That's particularly unsettling when considering the tenuous nature of the global economy, which could result in more and more drivers forgoing auto insurance as a means of saving money.

Treat a Job Search Like Selling a Home

Finding a job in the current economy is difficult. But savvy seekers can employ different tactics to find work, and that could mean thinking like a real estate agent.

Don't Break the Law When Dealing With Money

Oftentimes businesses or individuals break the law when it comes to money habits, without even knowing what is being done is wrong. Certain practices are illegal and can lead to bad credit or even prosecution.

Current Economy Hurting Hispanics

Although much of the country is feeling the financial crunch of today's economy, perhaps Hispanics are feeling the pain just a little more.

Clip Coupons for Big Savings

When utilized in the right way, coupons are an accessible and effective way to save money on many everyday purchases.

Pros and Cons of Gift Shopping with Plastic

While many shoppers feel as if they won't make it through the holiday season without piling up debt, it's important shoppers remember they need to make it through the months of January, February, March, April, etc., as well. Before swiping your credit or debit card at the nearest cash register, it's best to understand the differences between these two forms of plastic.

Protect Yourself if You Rent

Laptops, MP3 players, global positioning systems, jewelry, and cell phones are at the top of the list for would-be thieves. Furniture and clothing are also expensive to replace. According to MetLife Auto & Home(R), the average person is estimated to have approximately $20,000 in possessions. In a rental property, individuals such as a superintendent or landlord may have access to your home, as may hired contractors. It's important to protect all of your belongings so you don't have to pay out of pocket if something is taken or damaged.

Financial Survival Tips for Laid Off Workers

Perhaps most unsettling about the recession is the length of many people's unemployment. Of the 15.1 million unemployed Americans, 36 percent, or 5.4 million, have been without work for more than six months. What that illustrates is not only an especially harsh recession, but the need for the nation's recently laid off workers to plan for the worst case scenario with respect to the length of their unemployment. The following tips could help those recently laid off better survive their layoff.

Did You Know?

According to a 2009 study conducted by the AARP, the number of senior citizens, persons aged 65 and older, who filed for bankruptcy rose a staggering 150 percent between 1991 and 2007. Worse yet, a similar study by the Consumer Bankruptcy Project found that among people aged 75 to 84, bankruptcy rates increased by 433 percent.

Manageable Means to Restoring a Credit Rating

As the calendar gets set to turn into a new year, lots of people are seeking ways to better manage their financial affairs in the hopes they'll be more prepared should another recession rear its ugly head in the future. One of the best ways to prepare is to manage credit properly, which can be done in a number of ways.

Money Management Tips for Parents and Kids

That curiosity has created a great avenue for parents to teach kids valuable lessons about money. The following tips can help parents instill a sense of financial responsibility in their children while also helping them better understand the economy.

Things to Consider When Deciding to Invest Again

As 2009 draws to a close, however, reports of a likely economic rejuvenation in 2010 continue to grow, and that's good news for families who have stuck it out through tough times many never saw coming. But before diving back into the investment game, families should consider the following tips to help make the most of their money in an economy that's not necessarily guaranteed to recover.

Did You Know?

When it comes to giving, perhaps the nation's political power brokers could take a lesson from their constituents. When now-Vice President Joe Biden handed his tax returns over for public consumption during the election of 2008, it was revealed Biden and his wife Jill, a community college instructor, had donated an average of just $369 a year to charity in the decade prior to the election.

Discussing and Solving Debt with Your New Spouse

To be sure, gazing deep into the eyes of your future spouse and talking about the outstanding debts being brought into the marriage isn't very romantic. So it's no surprise that the topic isn't high on the list of priorities when making wedding plans. However, it makes good sense -- and good cents -- for couples to sit down and make a plan for managing their finances and any existing debts long before the ink is dry on the wedding invitations.

Canadians Could be Eligible for Tax Rebate on Home Renovations

Individuals who have had work done on their homes may be able to save up to $1,350 on home improvements purchased before February 1, 2010.

Homebuyer Tax Credit Extended

The economic downturn of the last 12-18 months has left many businesses and homeowners struggling to stay afloat. For those with real estate holdings, home sales have largely slumped across the United States, where an abundance of unsold properties continue to dot the landscape.

How to Save a Bundle on Summer Items

Have an eye on that gazebo? Want to stock up on new patio chair cushions? Could the kids use new bathing suits? Wait until the end of the season for the best buys on these items.

Garage Sale Success Tips

It's prime garage sale season. Those interested in conquering the clutter once and for all and offering items to willing buyers can improve their chances of success by following some key tips.

Reduce Stress by Reducing Spending

Saving money by avoiding over-priced items is one way penny-pinchers can reduce stress. Consider some of these inflated items for which you're likely paying too much.

Financing Your Child's Future

Saving enough money for a child's college education is a concern so great many parents began planning even before their first child was born. The escalating costs of a college education make such concerns wholly understandable.

Tips for Couples About to Marry Finances, Too

When two people decide to get married, they're not only combining their possessions, but they're also bringing together unique ideas about personal finance. These ideas may bring challenges to the relationship and should be discussed beforehand for the best start to the marriage.

Financial 411: Surviving Your Wedding Expenses

In the not-so-distant past, weddings were largely financed by the bride and her parents. Things are much different now. Most weddings now are paid for by the bride and groom with little contribution from family.

How Going Green Can Help You Save Dollars and Sen$e

Do you actually know what a "green product" means? Everywhere you look the advertising is catering to environmentally conscious consumers.

5 Easy Ways to Save Big Bucks

Interested in saving money? Most people are these days. However, while skipping your coffee and bagel combo every morning or bringing a bagged lunch to work will certainly save a few dollars here and there, such adjustments likely won't add up to huge savings. Rather, saving on big-ticket items is a great way to reap big savings.

Editorial Services

Metro Interactive Planning Calendar

Online e-Sections

Categories

Expert advice for college-bound grads

Top ways you might be wasting your money

5 simple ways to go green at home and save money

Save money and stay cool as temperatures rise

Maximize fall and winter energy savings with simple tips

5 simple ways to increase energy efficiency and savings

Reap the benefits of a well-insulated home

Student volunteerism can have a positive impact ... and help pay for college

Clever ways to give cash gifts

Save money on energy bills

How to choose a builder

Your dream home doesn't have to be just a dream

Things to look for when shopping for your dream home

Take this insulation tour for a real energy savings trip

Renovating a rental property

The basics of property taxes

A new year marks a great time to reassess your career

Lower your insurance costs this year

Don't forget finances when making resolutions

Cut energy costs at home

Keep your family healthy through the holidays

The 529 college savings plan: a holiday gift that keeps on giving

Explore healthcare careers now

Cash registry:It does exist

Is a wedding loan for you?

Keep gift receipts organized

How to manage personal debt

The basics of estate planning

Finding the right bank for personal banking

How to control online spending

Delaying retirement has financial, social benefits

Things to know about using credit abroad

Did you know?

Is work costing you money?

How to beat luggage fees

10 ways to clothe kids for less

Avoiding financial woes from a health condition

Finding a financial planner you can trust

Buying a home? Avoid these mistakes

Did you know?

Simple means to saving money

Plan ahead to survive the next recession

Missteps young investors should avoid

Traditional IRA vs. a Roth IRA

Popping the question? Simple tips so she'll say 'yes'

Fundraising dos and don'ts

Unique ways to raise money for a good cause

Many retailers are big donors

Things to consider before donating via the Internet

Making the choice to donate to your alma mater

Why do the poor give more?

Answering the call What to do when a charity calls your home

Be Charitable Without Spending Money

Did you know?

Giving on a tight budget

Beware these holiday shopping traps

Tipping point Who to tip during the holidays

Budgeting your charitable donation

Results important when choosing a charity

Credit Crunch Managing credit cards during the holidays

'Tis the season for online holiday scams and cons

Daily deals make great holiday gifts

Popularity of conventional shopping malls on the decline

Sensible planning makes for smart holiday shopping

Secure your identity when shopping online

Layaway plans make a comeback

Six strategies for tranquil holiday travel

National College Savings Month Reminds Parents, Loved Ones to Save Early and Often

More Bang For Your Buck: Routine Maintenance to Protect Your Vehicle Investment and Add Years to Its Life

Pay A Price For A Torn Engine Air Filter On Your Car? You Bet!

Key to Affording College is to Have a Plan

Easy and Economical Solutions for Those Postponed Remodeling Plans

Save money with an intimate, elegant night in

National College Savings Month Reminds Parents, Loved Ones to Save Early and Often

School smarts for green living School supply savvy saves money and the planet

What to do when selling your vehicle