Infographic: How Have Savings Initiatives Changed Over Time?

These days, in our modern world, many of us have our finances organised with share ISA accounts and pension pots but have you ever thought about where these came from, or how each savings initiative has changed over the years? This posed question is explored in the graphic below, by online investment company, True Potential Investor. Did you know… that the first known building society formed for groups of individuals who were looking to help each other to buy property? Or that the Bank of En...
More

4 Ways To Plan A Smart Retirement

Retirement is a matter of concern for almost anybody across the world. Once the inflow of income stops, the reserve funds always seem to run out faster than expected. And soon, people face a terrible financial situation where they are forced to compromise on a lifestyle that they have become accustomed to their whole lives. (more…)
More

Are High-Deductible Insurance Plans A Great Way To Save Money?

It's sad when you look at your pay stub and see the disparity between your gross and net pay. That beautiful gross figure gets whittled away by so many deductions like Federal tax, Medicare tax, FICA, 401K contributions (if you participate in this), and of course, health insurance premiums. A decent health insurance plan can really put a dent in your paycheck. A decent health insurance for your entire family is downright painful. But what other options do you have? You need to be prepared for...
More

Saving Money With Refurbished Electronics

So you want to enjoy the awesomeness that is a smart phone, or get your hands on a tablet, or maybe acquire that gaming platform that accommodates your favorite game, but you realize, much to your sadness, that your budget is not as generous as it could be. So, that's that, then. No new electronics for you! Come back next year! But then again, you don't have to do without, if you're willing to go the refurbished route. Although for some people there's a certain stigma attached with used equip...
More

How To Be Frugal With Health Insurance

Sooner or later, everyone needs health care. Health insurance may seem like an unnecessary expense when you're young and healthy, but it can pay off when you least expect it. It may be difficult to shell out your hard-earned money each month, but it is an investment not only in your well-being but also your peace of mind. While it's an important expense for everyone, there are ways to cut your costs and slim down that monthly bill. How healthy are you? If you're in good health and have a h...
More

How to Save Money On Your College Degree

Whether you call it an expense or an investment, keeping your college costs under control is always a good idea. Here are a few things you can do to achieve this goal. It's Never Too Early To Save The first thing to remember is to start planning for the college years (your own or your child's) early. Even if your child is still in diapers, go ahead and think about how to pay for college when the time comes. One of the best ways to do start saving for college is to invest in a 529 plan...
More

Home Gyms: Investments That Save in the Long Run

If you've decided to get back into shape - or to get in shape for the first time - congratulations! You're among the all-too-small club that has chosen to stand out from the overweight, energy-drained masses that don't incorporate regular exercise into their daily routines. Regular exercise improves both the body and mind, and is irrefutably linked with longevity, quality of life, confidence and, of course, looking good on the beach. Going to a gym, however, comes with several drawbacks. Eve...
More

Get the Best Deals Selling Back Your Textbooks

Textbooks are a necessary expense that most students don't care for, and they can be hard to afford after you've shelled out all your money on tuition and room and board. Luckily, there are several ways to sell back last semester's textbooks and put a bit more cash back in your pocket. Although you most likely won't get full value for the textbook no matter where you sell it, follow these tips to help you get the best refund available. Keep Them in Good Shape The best thing you can do to p...
More

7 Places to Cut Corners with Your Household Budget

We all wish we could stretch our household budgets at least a little bit further. Unfortunately, for most of us, at first glance, it seems like every penny is already spoken for - sometimes by multiple expenses! It's so easy to get bummed out and think that the only way to make our money go further is to win the lottery or for some monetary miracle to drop into our laps. Here's the truth: There are ways to stretch your budget. There are ways to pay down your debt and pay in to your savings a...
More