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How to Save Money on the Cost of Commuting
How much does your commute cost you each month? More importantly, how much of your personal time do you spend commuting each day to and from work?
How to Refinance Your Car and Save Money on Interest
If you're able to get a car loan with an interest rate substantially lower than your current loan, you may save money on refinancing your car. To get out of debt you must question every financial decision, consider all the options available to you, and plan a way out of debt.
City Car Share: A Budget Friendly Alternative to Buying a Car
Car sharing operations (CSOs), also known as City Car Share, carshare, or auto share, is becoming a budget friendly and environmentally friendly alternative to buying your own car.
Mercedes, Ford, Lexus, or Chevy: They All Require Car Maintenance
Getting out of debt and lowering your bills when you have a vehicle that is unreliable can be very frustrating. Regardless if you own a Mercedes, Ford, Lexus, or Chevy, proper maintenance of your car will ensure a longer life of your car. If you're in debt, perhaps a way to get out of debt is to drive a car that is reliable even if it isn't as luxurious as the car you currently own.
How to Donate a Car
Donating a car to a non-profit organization can be simple and fast. And, it provides you a tax write-off.
Ways to Save Money on Your Car Loan
If you are looking for ways to save money on your car, do some commonsense number crunching to determine the real cost of your automobile. The real cost of your car may be a shocking reality for you.
The Freedom of Becoming Debt Free
Apply the law of attraction principles to manifest the freedom of becoming debt free.
How to Become Debt Free
How to become debt free is an introductory excerpt from Become Debt Free One Paycheck at a Time, a no-nonsence strategy for becoming debt free. It helps answer the question, "Help, how do I become debt free."
How to Fondue: Plan a Memorable Birthday Party for less than $50
If you are trying to come up with a creative activity for another birthday party that will be memorable, fun, and inexpensive, consider a fondue party.
Birthday Party Ideas on a Budget
Use these birthday party ideas stay within your budget to create a memorable birthday party for your child complete with birthday party activities, supplies, and favors.
How to Make Chicago Style Hot Dogs
Serving Chicago style hot dogs for a birthday party are sure to be a hit with your guests. Who doesn't like hot dogs especially when you offer a variety of toppings for every taste.
The Secret, the Law of Attraction: A Movie Review
Every Monday, Wednesday, and Friday morning, I wake up at the crack of dawn and meet 15 women to exercise. This bootcamp has been tough but I have enjoyed meeting so many professional women who inspire me to keep going every morning.
Take Back Your Time, Fighting Overwork and Time Poverty in America: A Book Review
In his book, Take Back Your Time, John de Graaf documents the facts about how the American lifestyle has succeeded in stressing people out. You may know John de Graaf from his PBS documentaries including “Running Out of Time” and “Affluenza.”
Your Money or Your Life by Joe Dominguez: A Book Review
In their book entitled, Your Money or Your Life, Joe Dominguez and Vicki Robin are on a mission to transform your relationship with money and help you achieve financial independence.
The Tightwad Gazette by Amy Dacyczyn: A Book Review
A book review of The Complete Tightwad Gazette by Amy Dacyczyn, Promoting Thrift as a Viable Alternative Lifestyle.
30 Days - Ways to Save Money
For the next 30 days try these simple saving money tips to help you get out of debt. When you budget your money, be creative in how you choose to spend it... Think before you spend!
10 Ways to Save $50 a Month: The Art of Pinching a Penny Until it Screams
The following ten penny pinching ideas will help you save $50 a month but don't stop there! Tell us what you're doing to save even more.
31 Simple Ways to Save Money
Reduce your expenses with these 31 ways to save money. The next time you are handing over money to pay for something, ask yourself, "Is this helping me to get me out of debt?" If the answer is no, then you know what to do! Stop spending.
How to Budget Your Money and Save 20%: The $100 a Day Household Budget
Audit your household budget and determine if you are living within your means. Reducing your expenses by 20% is very realistic if you stop procrastinating.
Creating a Budget: Free Budget Worksheet
This free budget worksheet is the primary budgeting tool used in the book, ONE PAYCHECK AT A TIME. Plan a budget to become debt free step by step, paycheck to paycheck.
How to Plan a Cheap Vacation
Plan a cheap vacation package by bartering your professional services with a privately-owned bed and breakfast or countryside inn. Cheap vacation deals go to a new level when your lodging costs are next to free.
Elderhostel Travel: Learning Adventures for the Over 55 Crowd
Elderhostel Travel: Learning Adventures for the Over 55 Crowd
How to Plan a Family Reunion
Planning a family reunion can be fun if you schedule enough time, ask for help from family members, and stay organized.
How to Go on a Walt Disney World Vacation on a Budget
When a family decides to go to Walt Disney World for their vacation they want an experience that is memorable and fun. The biggest challenge faced by most families is keeping their vacation on a budget.
Budget Travel Ideas: Blizzard Beach, How Not to Break the Bank
Blizzard Beach is all about family fun, no matter how old your children might be. What’s more, this is one Orlando attraction that won’t break the bank.
Fun Factories - Free Tours for the Whole Family (More Cheap Vacation Ideas)
When I was growing up in the Midwest, our family vacations and weekend outings invariably included show and tell stops at factories that manufactured everything from cookies and candy to light bulbs and model rockets.
Glossary of Credit Terms
When trying to get out of debt consider becoming educated about the credit term jargon that the banks use. By understanding what these terms mean, you will be able to make better choices and help yourself out of debt.
5 Ways to Safeguard Your Identity
Protect yourself and your family by safeguarding your identity with these five steps.
Save Time and Money: Reduce Junk Mail
Save time and money by reducing the amount of junk mail you receive. To get out of debt you need to stop spending money. Without all the tempting catalogs in your mailbox, you may find it easier to reduce your spending.
Save Time: How to Stop Telemarketers from Calling You
Save time by taking these few steps to stop telemarketers from calling you.
Credit Card Debt Among Young Adults
Credit card statistics show an ever increasing amount of credi card debt. The statistics around the debt of young Americans is frightening. These young people are entering adulthood strapped with the burden of credit card debt.
Easy Holiday Glassware at Dollar Shop Prices
Here’s a great project for creating custom, one of a kind plates, cups and glassware for your holiday table, at only $1 a piece!
Last Minute Holiday Touches on a Budget
Last minute details can take a holiday home from ho ho hum to spectacular, and doesn't have to cost a lot of cash! Here are some great quick, easy, and inexpensive ideas to wow your guests and comfort your family.
Holiday Decorating on a Budget
Let me say this is my favorite reason to decorate! Here you will find the reason this issue is so special, great ideas for the holidays, all of them easy on the pocketbook, and some of them are free! Have a wonderful holiday, and remember to stop every day to "smell the roses"!
How to Make Christmas Ornaments on a Budget
Sometimes filling in that holiday tree can be a very expensive proposition! Here are some great easy and cheap projects to deck the halls without breaking the bank!
Home for the Holidays: How to Spruce up Your Home Before You Deck the Halls
The Holidays are here, and most of us are getting ready to deck the halls in one way or another. Before you pull out the tinsel and tree, take a couple hours to make some quick changes to update your rooms, and provide a great background for your Christmas and holiday trimmings.
7 Ways to Decorate a Thanksgiving Table on a Budget
Thanksgiving is traditionally a day when we invite our loved ones into our home and give thanks for all we have. But with Christmas and other holidays looming just around the corner, it sometimes can be tough on the budget to put out a beautifully decorated table.
5 Quick and Cheap Thanksgiving Decorating Ideas!
Thanksgiving is a special time in my house. It reminds us to take time out of our busy lives and remember how very thankful we truly are for the blessings of family.
Fall Decorating for Every Room in Your Home
The change of the seasons is a special time for home decorator's… and Fall decorating is a great way to cozy up your home for the colder months ahead. Fall decorating doesn't have to be just about Thanksgiving, and it doesn't have to be limited to the main room in the home. Here are some easy and inexpensive home decorating ideas to bring the glory of Autumn's bounty and warmth throughout your entire home.
Add Fall Style to Any Room in a Day
Adding the autumnal warmth to a room can mark the change in seasons
for the entire family, ushering in football, holidays, and cups of
cocoa after school. And it can be easy, dramatic, and inexpensive!
Follow these three simple steps to take any (or every!) room in your
home from summer simple, to fall fabulous in just one day!
How to Make a Scarecrow
One of my favorite fall decorations is a scarecrow for my front porch. Now I know you can pick up really cute, inexpensive scarecrows at your craft shops. But nothing is more satisfying than using your creativity making a personal expression of your family, for almost no money, than making your own scarecrow!
Budget Decorating Ideas When Selling Your Home
Kathy Wilson, "budget decorator" interior designer, gives budget decorating ideas when selling your home.
How to Decorate Your Home on a Budget – Part I
In part one of a two-part interview, Kathy Wilson, "budget decorator" interior designer, provides home decorating tips on a shoestring budget.
How to Decorate Your Home on a Budget – Part II
In part two of "How to Decorate Your Home on a Budget," Kathy Wilson, "budget decorator" interior designer, provides more budget decorating ideas of how to make your home look put together on a shoestring budget.
3 Ways to Buy Home Furniture on a Budget
Buying furniture for your home can be a very expensive proposition. Whether you are decorating for a new home, a second home, or simply need to update your existing home, don't be in a hurry.
Financing Education – Scholarship Resources
Find college scholarships and save money on the tuition costs. It is worth taking time to research the scholarship resources available so that you can avoid finishing school with a ton of college debt.
3 Ways to Save Money on College
Save on textbooks, transportation and tuition while attending college. Here are three ways to save on campus.
Do-It-Yourself Free Credit Check
Your credit score will determine your eligibility to get the best financial services available such as car loans, home loans, insurance, etc. Take time to find out what your credit report shows and be sur to clean up any problems now.
Managing Too Many Website Accounts - Keep It Simple
Do you have a special way of organzing your website accounts? If so, please share your ideas!
How to Donate an Old Computer
Don't just throw away an old computer, be sure to donate it for a tax write-off or recycle it! Although it may not get you out of debt any faster, you could get a tax write-off if you donate instead of simply recycling it.
Saving Wisely In The Credit Crunch
Despite the recent troubles in the financial sector, savers remain calm about their savings and are not switching over to other banks, according to a leading industry organisation.
6 Simple Steps to Fast Debt Relief
Get out of debt paycheck by paycheck, step by step with the One Paycheck at a Time community. The following six steps should give you some motivation and momentum to get started.
Budget Savvy Magazine: Getting Out of Debt One Paycheck at a Time
Budget Savvy Magazine interviewed Kimberly A. Griffiths, author and creator of the One Paycheck at a Time book and website. The article discusses the concept of getting out of debt One Paycheck at a Time instead of budgeting monthly.
Get Out of Debt: How to Lower Credit Card Debt
Get Out of Debt: How to Lower Credit Card debt will help you look differently at your approach to becoming debt free.
How to Dig Yourself out of Debt One Paycheck at a Time
Learn how to dig yourself out of debt one paycheck at a time and save big on interest charges.
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Refinancing Your Mortgage – It May Save You Money
Depending on your financial situation, refinancing your mortgage may save you money especially if you are looking to pay for a major purchase such as college tuition, home renovations, or an upcoming wedding.
How to Choose the Right Mortgage Lender When Securing a Home Equity Line of Credit
In my first interview with you entitled, “How to Consolidate Your Credit Card Debt with a Home Equity Loan", Dwight Crawford, a licensed loan officer, explained the difference between a home equity line of credit versus a home equity loan. In the second interview, we discuss the topic of how to choose the right mortgage lender when securing a home equity line of credit.
How to Pay Off Your Mortgage Early
If you are no longer carrying credit card balances and have paid off all of your revolving debt, you can now tackle paying off your mortgage early. Ideally you would budget your money to pay a little extra every mortgage payment so that you reduce the amount of interest you will pay for the life of the loan.
4 Ideas to Consider When House Hunting
When shopping for a new home stay within your budget, find a location close to work, find a house that your can call home, and choose features wisely.
Zillow Your House Before Refinancing Your Mortgage
Before you decide to refinance your mortgage, know what homes in your neighborhood are worth.
How to Get a Home Equity Loan with Bad Credit
Learn how to get a home equity loan even if you have bad credit; answers from a licensed mortgage loan officer.
How to Consolidate Your Credit Card Debt with a Home Equity Loan
Many readers of One Paycheck at a Time have asked the question of whether it makes sense to consolidate credit card debt into a home equity line of credit or home equity loan. In this interview, Dwight Crawford, a licensed loan officer, answers these mortgage loan questions.
How to Invest Your Money while in Debt, an interview with a Financial Advisor
When you’re in debt and living paycheck to paycheck, the idea of investing seems completely out of reach. Just keeping the bills paid on time and not sinking further into debt can be very difficult.
Protecting Your Property: All About Car and Home Insurance
We care a great deal about our private property and we are always keen to protect it. The field of insurance, particularly car and home insurance, can be a complex one to understand, especially with so many different companies offering a wide array of insurance policies. So this guide will help you to understand it all, so that you can protect what is yours.
Car & Life Insurance: Things We Have To Do
Searching for insurance can be a difficult process, but it is something we all have to do. Car insurance can often be a significant financial burden for many households.
Ten Ways To Save On Your Car Insurance
Save on auto insurance in the UK with these helpful tips.
How to Save Money on Car Insurance
Depending on your driving record, your age, your experience, and your lifestyle, there are definitely ways that you can save money on car insurance.
What are some Different Types of Loans?
There are so many different types of loan available in the market in Britain that it should be easy to get the right load that you need.
Love and Money: How to Balance a Household Budget in a Relationship
Love and money sometimes results in money problems in a marriage. As a team, work together to lower your bills and balance your household budget.
What's the Fastest Way to Get Out of Debt and Lower My Bills?
If you follow a monthly budget instead of working on a plan to get out of debt based on the timing of your paychecks, you will end up with more month than money.
How to Lower Bank Fees: Bank Like a Banker
Shop around for the most cost-effective atm fees, debit card fees, and credit card fees to lower your bank fees.
21 Days to Form a Habit
It's been said that it takes 21 days to form a habit (doing something consistently for 21 days).
A Matter of Discipline
This past Saturday evening I had the opportunity to watch a documentary called Into Great Silence by Philip Groning. It was basically a filming of monastic life.
A Matter of Focus
It seems like every day we are reminded to be present, be in the moment. With so many demands in our lives, thinking about what is next gets far more attention.
How to Make Yourself Happy
“Every morning when you wake up, decide what three things you NEED to do today to make you happy,” declared my long time girlfriend, Judith. She continued, “Your job, your kids, your responsibilities, they all tend to suck you in every day and before you know it the day is gone without you consciously choosing the things that will make you happy.”
10 Reasons to Quit Your Job and Walk Away From Corporate America
There has got to be more to life than my job, it’s sucking the life out of me.
6 Ways to Stay Healthy on a Tight Budget
There are many ways to keep fit and healthy without having to spend a lot of money. So get rid of that gym membership and personal trainer if it is causing you to go over budget. Stay motivated and in your budget with these simple tips.
Giving up the Caffeine Addiction When You’re a Coffee Junkie
“I only drink two cups of coffee a day, it can’t be causing my stomach issues,” I said protesting to my doctor who just suggested I give up caffeine in an effort to help normalize my digestion.
How to Plan Your Personal Goals
By taking small conscious steps to get out of debt you develop a momentum that builds over time. Getting started is the hard part. This article gives you a roadmap to outline your goals in every area of your life.
Scrapbooking Ideas for Creative Goal Setting
Use these scrapbooking ideas for creative goal setting and see the ideas come to life.
10 Ways for Coping with Stress
Coping with stress requires a concious effort each day. Take time out for yourself, even if only for 30 minutes, to focus reducing stress.
How to Negotiate Your Salary
Whether you’re interviewing for a job or looking for a raise at your current job, negotiating your salary takes research and planning.
Make a Buck – or Two!
There must be dozens of ways to make a little money on the Web. Please share how you make extra money without getting a second job.
How to Make Money – Find Your Friend a Job
Finding jobs for former colleagues may just be the easiest way to make decent money without a lot of overhead. No widgets to ship, no inventory to buy, no photographs to post, and it costs very little time to send an email to a recruiter.
How to Make Money at a Clothing Consignment Shop
Clothing consignment shops are a great way to make money quick by selling your clothes, your children's clothes, and your spouse's clothes.
Easy Vegetable Soup Recipe
Create this easy vegetable soup in your crock pot, on the stove, and modify the recipe, if desired, for low carb, low fat, or vegetarian.
Easy Banana Bread Recipe
This banana bread recipe is very easy to make and creates low-fat, versatile, and moist banana bread loaves.
My Favorite Zucchini Bread Recipe
I have tried a number of zucchini bread recipes in my life and I found my family's recipe to be easy, simple, and not too sweet. Please share your favorite recipes by adding a comment below.
How to Make Easy Quiche Lorraine Recipe
Save money by eating healthier. If you're crunched for time and you're contemplating serving junk food to your family for dinner, consider creating a quiche instead. It is cheaper, healthier, and definitely tastier than any McDonalds, Burger King, Wendy's, Arby's, Pizza Hut, or Taco Bell.
How to Make Texas Chili
My grandmother's Texas chili cheese casserole is very tasty, but I'm not sure that it is actually from Texas. I don't know the origins of this recipe, but I do know that it was always a big hit at my family's home.
How to Make Lefse; an Easy Norwegian Gluten-Free Recipe
If you are searching for an easy recipe to make Lefse, then you must be of Scandinavian heritage. I'm sure there are a number of readers wondering what the heck lefse is.
Easy Chocolate Chip Cookie Recipe
The smell of chocolate chip cookies baking in the oven always reminds me of visiting my grandparents at the holidays. This chocolate chip cookie recipe was handed down by my grandmother and now I'm sharing it with you. In my opinion, it is the best chocolate chip cookie recipe ever.
One Paycheck at a Time, Inc. to Donate 10% of its 2005 Net Income to PXE International in the Hopes of Finding a Cure.
One Paycheck at a Time, Inc., www.OnePaycheckataTime.com, a California company, will donate 10% of its 2005 net income to PXE International, www.pxe.org, in the hopes of finding a cure for the rare genetic disorder, Pseudoxanthoma Elasticum (PXE).
One Paycheck at a Time, Inc. Receives the Better Business Bureau's BBBOnline Reliability Seal
The BBBOnline Reliability Seal lets our customers know that One Paycheck at a Time, Inc. is a safe, reliable place to shop on the Internet.
Rebecca Brown Interviews Kimberly A. Griffiths
Read about the book review of How to Become Debt Free, One Paycheck at a Time.
One Paycheck at a Time Launches Web-Based Debt Reduction Program
What's more effective is how One Paycheck at a Time's eTools guides subscribers through creating a budget and bill payment system based on their pay periods.
Online Budgeting Software Provides Visitors with Interactive Tools to Design a Plan to Get Out of Debt
The One Paycheck at a Time website incorporates eTools, online budgeting software, to provide subscribers with an interactive guide to targeting and paying off debt on a paycheck by paycheck basis. This strategy differs from most other debt reducing programs in the marketplace that tend to focus on the traditional monthly bill payment process.
One Paycheck at a Time Awarded Best of Industry Web Marketing Association
Financial Services Interactive Application Winner of 2005 Internet Advertising Competition Awards
New Book Reveals Strategy for Becoming Debt Free
One Paycheck at a Time, a 200 page book, contains budget management exercises for an entire year of paychecks. The author, Kimberly A. Griffiths, has been through the vicious cycle of debt herself, and provides a no-nonsense system to managing your money paycheck to paycheck. You customize the journal based on your pay schedule and learn the necessary tools for making ends meet.
One Paycheck at a Time Celebrates First Year Anniversary by Offering New Customers a One Month Free Trial and Debt Kit
To celebrate its one-year anniversary of its personal finance online budgeting program, eTools, One Paycheck at a Time is offering new customers a free one-month trial and a debt kit promotion.
How to Save $85 a Month at Work
Instead of making dramatic changes to balance your household budget, notice your cash flow increase as you make small changes in your spending habits at work.
Tips on How to Save Money on Groceries -- Freeze Those Bananas
Save on groceries by freezing a portion of your fruit to eliminate wasting money.
10 Ways to Save Money on Food
Save money on groceries by using these 10 ways to save money on your food bill:
10 Ways to Save Money at the Grocery Store
Let's face it grocery shopping can take a bite out of your paycheck. While this isn't an expense that you can eliminate, there are ways to make it more affordable.
Eating Down Your Inventory - How to Save Money on Groceries
One way to lower your bills on groceries and quickly save a little money this month is to eat all the food in your cupboards. Challenge yourself to create meals this week with your existing food inventory in your house. When you do go to the grocery store next week, take the time necessary to comparison shop and get the best deals.
Senior Life Settlement Directory
A list of companies who assist seniors in liquidating their life insurance policy for cash today.
Unlock the Value of a Life Insurance Policy with a Senior Life Settlement
A Senior Life Settlement, often referred to as a life insurance settlement or a viatical life settement, is the sale of an existing life insurance policy of a senior citizen for a lump sum of cash.
Find a Coupon for Nearly Anything
Companies know that you're looking for deals online and they want to entice you to use their product or service. Don't hesitate to email a company and ask for a coupon if you are looking for a particular product.
Be a Smart Shopper, Never Pay Retail - Ever
Be a smart shopper and be frugal with your hard earned money, don't be so eager to give it away. Pinch every penny and even be a tightwad to get the best price.
12 Months of Seasonal Bargain Shopping
Retailers tend to have a formula of when to move merchandise off their shelves. As it turns out, if you time things right, you can stock up for the year on many products that are on sale.
Haggling and the Art of Negotiating: Is That the Best Price You Can Offer?
Asking for a discount is not a very common part of American culture. As a result, when you ask for a reduction in the price especially as it relates to services, most people want to offer you something and not leave you empty-handed. Please share your experience when asking for a better price.
How to Comparison Shop When Buying a Major Appliance
Do some comparison shopping when buying a major appliance. You could save yourself a lot of money. Whether you're in the market for a computer, refrigerator, washer/dryer, or a vacuum, the process for comparison shopping is the same. Save yourself at least 10% - 80% on appliances by planning your purchase - this could equate up to $1000 or more a year in savings.
Money Quiz: What Kind of Spender are You?
Determine what kind of spender you are based on the characteristics of a reckless spender, a squanderer, a dollar stretcher, a penny pincher, a tightwad or a miser..
Save Money with Free Tax Filing
Don't pay for tax services or tax software! The IRS offers free Internet filing options.
Where's My Tax Refund?
So, it's been five weeks since I mailed in my federal tax refund, where's my check?
How to Negotiate a Lower Cell Phone Bill
I feel that the telephone companies charge way too much for their services but since we all seem agreeable to pay for it, then we're stuck with their pricing. Since the writing of this article, I have gone completely mobile and stopped having a home phone. Saves me annoying telemarketing calls that get through even though I signed up to be on the national do-not-call list.
Recycle Cell Phones: How to Donate a Cell Phone
Donate a cell phone instead of recycling it with your service provider; not only are you helping someone get access to a phone, but it may be tax deductible too!
How to Clean Your Carpets on a Budget
Carpet cleaning has become big business over the last decade. People have figured out that what lies at the bottom of their carpet can make them wheez, sneeze, and cause an allergy attack if you're suspectible to that kind of thing.
6 Ways to Save when Moving
6 ways to save when moving your home gives you budgeting techniques on truck rental, boxes, and storage.
15 Frugal Gift Giving Ideas
Your source for gift giving ideas, unique gifts for men and great gifts for women, inexpensive birthday gifts, homemade gifts, and cheap gifts. With a little planning you can save a lot of money on gift giving throughout the year. Please provide your frugal gift ideas to this list!
15 Ways to Save Money
These 15 easy ways to save money will help you painlessly save money throughout the year.
Save 25% on Household Products
If you're in debt, spending money on household products should be watched very carefully. I'm sure you would rather spend your money on an extra payment to a credit card or splurging on a dinner than spending it on soap, shampoo, or household cleaners. Share your ideas of how you save money around the house too!
Fastest Ways to Save Money: Stop Wasting It
"Ways to Save Money: Stop Wasting It" will give you big and small ideas of how to get out of debt and lower your bills. Do an audit of where all your money goes and you'd be surprised to find out that you are wasting money on big and small items.
Save Your Money - Give Cash not Gift Cards
Best Buy reported a $43 million gain in revenue in 2006 due to unused gift cards. This is just one example of why you should Save Your Money - Give Cash not Gift Cards.
