Sign up for texts. Surprisingly, you often can get a better discount from a store’s text message stream than from its email newsletter. You can unsubscribe once you’ve made purchases.
Let your online shopping cart sit. If you sign in to your account and stick a few items in your cart, don’t check it out just yet. Retailers often will email you a coupon in a few days to entice you to place an order.
When debt collectors call… Understand their business and know your rights. Credit car issuers, mortgage holders and other lenders are giving temporary reprieves to people struggling to pay their current bills because of COVID-19. About 1 in 4 Americans had a debt in collections in 2018. Know what your rights are and what to do.
Bad More: Stop paying your monthly bills – Better Move: Stop paying, but contact creditors
Bad Move: Hoard a stack of cash in your home – Better Move: Keep a few weeks of money on hand
Bad Move: Make big life changes, such as retiring – Better Move: Take your time and think it over
Bad Move: Dump all the stocks in your portfolio – Better Move: Get rid of some of them
13 Cities where renting is cheaper than owning a home. Homeownership has it’s perks. But owning is not always affordable. In these cities, it’s cheaper to rent.
1.New York City, New York
2.San Francisco, California
3. San Jose, California
4. Los Angeles
5. Boston
6. Providence, Rhode Island
7. San Diego
8. Hartford, Connecticut
9. Chicago
10. Sacramento, California
11. Philadelphia
12. Seattle
13. Milwaukee
Even though safe deposit boxes are designed to withstand natural disasters, it’s a good idea to put anything that could be damages by water into a waterproof container such as a zip-locked plastic bag. This adds another layer of protection and can also help you keep your safe deposit box more organized. And before stashing those important papers and photos, make copies to store electronically on your computer or in the cloud. Just be sure your family knows how to access them.
The right way to mix money and marriage. This reader came to the right place for answers about how to merge finances in a marriage. Marriage and money can be a tough mix for any marriage. Complications only increase when you enter into wedlock with kids, homes and property from prior marriages.
8 Affordable Ways to Keep Your Car Cool This Summer. Here are some smart ways to prevent your car – and wallet- from overheating this time of year. Most vehicles aren’t designed for extreme temperatures. They need special care when the mercury rises, particularly during summer road trips. Driving an overheated vehicle can cause expensive damage. Running too hot can degrade engine oil, ruin gasket seals and seriously damage the engine. Ensure a carefree summer on America’s highways and byways by paying attention to these things:
1.Radiator
2. Hoses
3.Oil
4. Battery
5. Air conditioning
6. Temperature gauge
7. Tires
8. Emergency kit
9 Jobs you can get and keep. If you want to work from home permanently, look into some of these jobs. The coronavirus pandemic has turned a lot of homes into home offices, and some people aren’t keen to head back to the old workplace. If that’s the category you fall into, there is good news: There are all kinds of full-time work -from-home-jobs and part-time work-from-home jobs that’t won’t be going away when COVID-19 does.
7 Creative Passive Income Ideas That Don’t Involve Investing. Even with more time than money, you can still start building a passive income. For most people, our primary – if only source is our jobs. But some clever folks figure out ways to keep making money without constant effort. Those people have passive income streams. What is passive income? It’s a flow of money that is either self-sustaining or sustained with less work than a job. For instance, dividend stocks, rental property, CD’s and annuities are examples of how to generate passive income. All of these, once established, are more about occasional maintenance than work. And you probably see a theme here: A lot of the most valuable ways to make passive income sound like a retirement investment. Consider the following: