A Bill-by-Bill Guide to Saving Money on Monthly Expenses

A Bill-by-Bill Guide to Saving Money on Monthly Expenses

Heat, water, electric and other utilities are all necessities, but that doesn’t mean you need to pay high prices for them.

There are a few things you can do to reduce the amount of money you’re spending on your bills.

Whether you’re living paycheck-to-paycheck (hopefully not!) or living comfortably, you still want to save money.

To help you lower your monthly costs, we’ve compiled a bill-by-bill guide, complete with tips on what you can do to put more money in your pocket.

5 Things You Need to Know About the Mortgage Forgiveness Debt Relief Act

5 Things You Need to Know About the Mortgage Forgiveness Debt Relief Act

Americans struggling with substantial mortgage debt that exceeds the value of their home have several options, including a short sale, foreclosure, or mortgage restructuring. Traditionally, any of these options that results in forgiving or discharging some of the debt on their primary home results in a form 1099-C, Cancellation of Debt, from the lender.

The IRS considers most forms of cancelled debts, including mortgage debt, as income for the recipient. This can mean a tax bill of thousands of dollars, even if you lost the home in foreclosure.

The Mortgage Forgiveness Debt Relief Act of 2007 was passed at the height of the foreclosure crisis, gives homeowners tax relief from this forgiven debt. Here’s what you need to know about the Mortgage Forgiveness Debt Act.

10 Effective and Practical Tips to Save Money While in College

10 Effective and Practical Tips to Save Money While in College

Attending post-secondary education such as college or university can be very expensive and often time’s students are left with large sums of debt after they’ve graduated.

To avoid going into debt after your done your post-secondary education, I’ve created a short list of 9 handy tips to help you save money while in university or college.

How to Deal with a Backseat Driver

How to Deal with a Backseat Driver

If there’s one thing I don’t like, it’s driving around town with my Dad when he visits. According to him, I brake too hard, sit too long at stop signs and drive (his words) like a grandma. Well excuse me for trying to be a safe driver!

Can you relate to this? There’s a term for people like this who have made it their mission to call things out as they see them. In the car, it’s called being a “backseat driver.” A backseat driver is someone who dispenses ‘helpful’ advice as you drive. It’s just that the advice isn’t helpful or useful, it’s annoying and distracting.

4 Ways to Cut Down Costs on Holiday Home Decoration

4 Ways to Cut Down Costs on Holiday Home Decoration

We can all agree that one of the most stressful parts about Christmas is budgeting – for home decorations, presents, and last-minute family trips. You want to give your significant other or favorite sibling the best Christmas present ever, but you’re falling short on funds.

Spare yourself the heartbreak of not fulfilling their wish lists with these tips on how to cut down on decoration costs. Tis’ the season for giving, not grieving.

3 Foolproof Pieces of Advice for Saving Toward Your First Million

3 Foolproof Pieces of Advice for Saving Toward Your First Million

“I remember making my first million dollars.”

Sure, it’s a sentence we’d all love to be saying sooner rather than later.

However, given the fact there are relatively few millionaires in the world, the dream of making our first million dollars, let alone a second or third, seems pretty far away, doesn’t it?

It doesn’t have to be.

4 Things to Negotiate When Taking an Auto Loan

4 Things to Negotiate When Taking an Auto Loan

Public transport doesn’t meet the transportation needs of many Americans and an increasing number of people are deciding to own cars.

The easiest way to pay for a car is by cash or check but not many people can afford to pull out $20,000 to buy a car and drive it off the lot. Hence, most car buyers need to take up one form of auto loan or another.

5 Profound Truths That Newbies Must Know About Online Trading

5 Profound Truths That Newbies Must Know About Online Trading

Online trading could be a smart way to supplement your income and you can actually fire your boss and become a full time day trader.

One of the advantages of making money through online trading is the relative freedom that it offers you in relation to other moneymaking ventures.

However, tales abound about many people who have delved into online trading with great expectations but who ended up losing all of their trading capital.

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