self sufficiency

It’s Tax Time: Getting Some “Greener” Credit – Where Credit Is Due

  Whether you’ve already filed your annual income taxes, got an extension or have alread y received the cash back from your return, it’s never too late (or early) to think about credits due from Uncle Sam, especially those related to energy improvements and similar expenses. HomeSelfe, makers of a free, energy-saving app that audits […]

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buying a timeshare property

How to Get the Best Value When Buying a Timeshare Property

Timeshares are a type of vacation property ownership where a group of people share the use and expense of the property. Today’s timeshares are not the timeshares of the past. In the 70’s and 80’s, developers were trying to unload unsold condominiums with offers of free weekend getaways and half-day high pressure sales presentations.  The […]

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retirement planning

How a Little Bit of Retirement Planning Goes a Long Ways

When it comes to personal finance, one of the big mistakes people often make is to focus too heavily on the investing aspect. The motivation behind this is clear: Pick the right winners, and BIG returns will be yours! There’s just one problem: Most fund managers, the very people who work with stocks every single […]

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affordable car insurance

Questions to Ask When Shopping for Affordable Car Insurance

When you are trying to find ways to save money and live a more frugal lifestyle, one of the first places many people look is at car insurance. While almost all states make it a legal requirement to have insurance for your vehicles, state minimums are quite low. This allows you to find affordable insurance. […]

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free and frugal

Modern Finances: Free and Frugal Ways to Enjoy All Your Tech Devices

You may love using all of your mobile devices and other gadget technology you have, but you may also feel like they are pretty expensive to keep up with. This can be a real problem for people who are on a tight budget, or who may just find their monthly credit card bill increasing to […]

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penny pinching

35 Extreme Penny Pinching Tips for Saving Real Money

So you need to do some extreme penny pinching; You want to put your pennies in a vice and squeeze every morsel of buying power out of them. Let’s do it. What do you do when life suddenly kicks you down, and you have to stretch every dollar you have? Injury, illness, losing your job […]

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simple living

Simple Living: A Life With Less Stuff

Human beings are like magpies. You see something shiny and you want to buy it. Buying new, shiny things gives a buzz of excitement, an immediate gratification. But the thrill is short lived. Soon your proud new purchase becomes just another barely-used item taking up space in your house. In today’s demanding world of high-pressure […]

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Dealspotr Mission

Dealspotr: Changing the Way People Share Online Deals

Dealspotr is changing the way people find and share deals online. Through crowdsourcing coupons and promo codes, Dealspotr has created the largest and most accurate real-time database of deals available. I am always interested in finding the best online deals and sharing them with my readers so I decided to checkout Dealspotr.     What […]

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tax deductible interest

Managing Tax Deductible Interest on Non Personal Loans

This article has been updated for the 2016 Tax Year With tax season just around the bend, you might be starting to pull all your bank statements and other financial documentation together. You also might be wondering if there are any new changes to the tax code that might effect your personal or business tax […]

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paying off debt

Top Reasons You’re Not Saving and Paying Off Debt

Americans feel saving and paying off debt is a high priority however, many are not saving as much as they would like.  According to a recent survey by Discover Personal Loans, 40% of Americans have reduced the amount they are saving and 38% were saving to pay off debt.  Here are several reasons why we […]

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best time to buy

Knowing the Best Time to Buy Can Save You Big Money

Knowing the best time to buy is often tied to when retailers are making room for new product models or around seasonal shopping holidays. Shopping for big ticket items  Use the month by month guide below to see when the most popular consumer products are on sale. In addition, here are some shopping tips and […]

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