How to Save Money by Keeping the Change

I confess–I’m a penny pincher. I don’t mean that I’m thrifty (actually, quite the opposite–I’m trying to learn to spend more cautiously). I mean that I literally save pennies. When I see a penny on the ground, I have to pick it up. Even when it’s not heads up. Even if it’s not shiny. I … Read more

Debt management – on my own, or with professional help?

If you can’t keep up with your unsecured debt repayments as you had originally agreed, then debt management may help. Debt management involves talking to your unsecured creditors, explaining to them that you can’t keep up with your repayments and asking them to accept lower monthly payments, meaning you could repay your debts in a … Read more

Health Savings Accounts: More Than Meets the Eye

For quite some time now, the government has been trying to come up with a way to get people the kind of affordable health insurance they need and want. Remember that the cost of all health insurance has always been the sticking point and to that end many of these attempts have failed except for … Read more

I Have The Same Debt But Lower Interest And Smaller Payments? Debt Consolidation Can Make It Happen

Debt consolidation may ease your financial life by lowering your debts to only one payment, frequently as much as 50% less than what you are paying out now. These consolidation loans are a great solution for reducing monthly payments and enable you to solve the basic problems of high debt without being forced to take … Read more