Excelle

Like the clothes we wear, our homes are direct reflections of who we are and what we value. And, just like a new bag or pair of shoes, little fixes around the house can bring instant satisfaction without overriding that ever-tightening budget. In my house, the mantra is, "It takes so little to do so much." In fact, a few years ...

Summer is officially over. And with the holidays just around the corner, our budgets are about to take a big hit. Between presents, parties and pampering, we're all going to need a little spare cash just to make it to 2010. Am I right? Lucky for you there's a new way to lighten the load. Our fabulous friends at Ms. Career ...

If you could ask ten wise women for advice on what to do (and what not to do) with your money, what would they say? They might offer the ten financial tips below, culled from our wise and money-smart DivineCaroline contributors. 1. Saving For Retirement Is a Must Unless you don’t mind eating cat food in your old age, you have ...

We recently interviewed an avid couponer, Jennifer. She blogs about all the great deals she finds, and keeps track of her savings. For instance, one of her most recent posts were about Del Monte Tomatoes at Lowe’s Foods that would end up being FREE! Just how did she do it? Organization is key! Here’s how Jennifer gets set up for success ...

Time to rewind back to Economics 101. The beautiful topic of Economics is based on the principal of scarcity: we have a limited amount of time and resources available to us and must make choices of how to allocate what we DO have. In college, this means balancing the 3 S’s: Sleep, Studying and Socializing. Take a look at the following ...

Most of my clients come to me for assistance in learning about money and making progress with their investments.  However, we usually end up working on many issues that indirectly influence our money. These cover everything from job and or business growth, family and life balance to health and fitness issues.  Each of these areas has a direct impact on our money ...

1)  Do not pay interest on anything that loses value except real estate. 2) Do not co-sign a loan. 3) When you have to buy big, (T-V, washer and dryer, etc.) get high     quality items. They will last much longer and have far less problems. 4) Don't wait for your worse investments to recover. Your shares aren't     resting, they're lying ...

In the face of the growing global financial crisis, writing jobs are fast becoming the rage. With hundreds and thousands of jobs folding up everyday, citizens are clamoring for new sources of income so that they can pay their bills. These activities, albeit simple, provide new avenues for earning. Unfortunately, very few people have discovered the potential and the profitability of ...

Social Security benefits for 50 million people will go up 5.8 percent next year, the largest increase in more than a quarter century.

Everybody keeps talking about a recession, but when will we know if we're really in one? The classic definition of a recession is a period when the economy shrinks for two consecutive quarters. But that is considered very rough and impr

Change is forever and unlimited. We are faced with changes each day. Relationships change, careers change, our moods change. Technology advances in a matter of a split second; cells in our body and nature are constantly changing; world records are broken every day; lives are transformed from unexpected circumstances. What I'm saying is: Changes occur ad infinitum. Changes in the world ...

I found this and read it and learned some new things.  I hope someone else can get some good information too.

Amy VanDeventer has always been a cheapskate. The recession is taking her to new extremes. Before the economy tanked, she was still wearing maternity clothes from her last pregnancy, clipping coupons and using hand-me-downs to dress her daughters, ages 2 and 3. Now, she's salvaging bagel scraps left on their plates for pizza toppings and cutting lotion bottles in half so ...

By Katie McCaskey, Geezeo.com Most people know that good credit is key to financial health. Few realize that now more than ever strong credit is important. As the economy struggles you’ll need to work harder to prevent a credit score downward spiral.   Image via Wikipedia The “Secret Sauce” Formula is Still Secret Consumer advocates are angry that the algorithms used ...

Joanna Ossinger reveals 5 of the myths surrounding the financial crisis.

The economic crisis may be doing what pastors, family therapists and matrimonial counselors have long struggled to accomplish: keeping troubled marriages together.

After pumping more than $1.5 trillion into the US financial system, the Federal Reserve will now commit another $800 billion to revive struggling mortgage, housing, and consumer credit markets and moderate a deepening economic downturn.

 Excerpt ~ Big financial events bring economists and analysts out of the wood work, anxious to give their opinions and get their names in the media. The increase in the minimum wage, which is effective today, is a prime example. The federal minimum wage will go from $6.55 to $7.25. That is an 11 percent hike, which is a pretty healthy ...

Just look at how the mighty have fallen. Sales of gift cards -- typically the most-requested holiday gift – have fallen dramatically this holiday shopping season as budget-crunched consumers hunt for ways to save.