Are you one of the million of people who, every year, pull their hair out trying to think of an inspiring New Years Resolution? If so, you will love these 3 quick tips which may answer your question “how do I manage my money?” The following tips will give you an idea of some personal finance resolutions, that if taken seriously, will give you a jump start ensuring you celebrate the beginning of 2010 wealthier than you began the year.

Read the rest of this entry

I had a misadventure lately with my money recently. My automobile insurance broker called a few months ago to inform me that they had a deal for me. I could switch from my old company to a new one and I would save $30 a month. I made the switch with little hesitation. Those are the personal finance basics I like. I signed the forms and went on my way. Having a clean driving record does pay for itself. Normally I would advise that you negotiate these sorts of contracts on your own before they come to you, because let’s face it, they will usually avoid giving you a deal if they can.

Read the rest of this entry

Written by: Gary Foreman – The Dollar Stretcher Blog

According to Gallup polls, about 1/3 of Americans plan to spend less on the holidays this year than last.

<http://www.gallup.com/poll/123608/christmas-spending-forecast-down-year-ago.aspx>

For some families who are really struggling there will be very little money available for holiday spending.

But, that doesn’t have to mean that the holidays will be ruined for your family. In fact, it may give you an opportunity to have an even happier holiday season.

Begin by focusing on what you have, not on what you don’t have. It’s true that you might not have much money. But perhaps your home is full of love. Just by thinking about what you have, you’ll lift your spirits.

Take some time to enjoy the season every day. Get a copy of Dicken’s “A Christmas Carol” or other holiday book and read a bit each night. Even if you don’t have children in your home. Books have a wonderful way of mentally transporting us to a different time and place.

Read the rest of this entry