Saving money is always a good thing unless you’re like my friend Fred who recently told me he’d saved money by purchasing a $500 laptop computer for $400. “Look,” he said, “I just saved $100.” No, when you spend $400 on a computer, you haven’t saved anything. You just spent $400.
When we think about money-saving ideas, the first things that usually come to mind are the big things–how to cut heating costs, how to cut the costs of our automobile insurance, how to cut our phone bills, and so forth. There are a number of little things you can do to save money that can […]
Kids just keep growing. It’s an inescapable fact of life that as they grow, they need clothes in bigger sizes. For that matter, you also need to buy clothes from time to time. Every April or May we take out our summer clothes only to find that some of them are so old and faded […]
Have you ever thought seriously about living more frugally? Many families are turning to frugal living either out of necessity or because they simply feel better about spending less and cluttering up the world with fewer throwaway items. For that matter, frugal living can be part of the “green” movement. This is because the fewer […]
When people used to talk about budgeting, they tended to separate household expenses into fixed costs and variable costs. Most budget experts kind of shrugged off the fixed costs and concentrated on helping you reduce your variable costs, such as entertainment, groceries and clothing. The fixed costs were expenses such as your mortgage or rent, […]