Smart Money Page 8

  • 8 Financial New Year's Resolutions

    8 Financial New Year’s Resolutions

    A new year is upon us! What new year's resolutions do you have for this year? Do you want to improve your financial situation this year? Here are 8 financial new year's resolutions to consider. 1) Spend Less and Save More This is the first step to financial success. If more is going out than coming in, then the rest of the financial resolutions don't matter. Two things all of us can do is stop the impuls…

  • Financial Advice for New Military Members

    Financial Advice for New Military Members

    If you're new to the military, chances are you have a lot to learn about a lot of things. It's a new way of life that comes with significant changes, including financially. You want to be sure to start your financial life in the military off right in order to set yourself up for success in your continuing career. And you certainly want to avoid any big rookie mistakes that might come back to haunt your wallet. So …

  • Will Raising My Credit Limit Increase My Credit Score?

    Will Raising My Credit Limit Increase My Credit Score?

    In a world where your credit score may affect everything from your home loan to car insurance rates, it is no surprise that everyone is looking for that quick fix to bump their score a few points. Although major improvements in credit take several months (and sometimes years) of responsible credit usage and money management, some personal finance blogs recommend raising your credit limit. Why Raise My Credit…

  • Military Members And The Fiscal Cliff: Will The Economy Effect You?

    Military Members And The Fiscal Cliff: Will The Economy Effect You?

    For many families, the federal budget is likely only an occasional concern. The looming fiscal cliff, a package of tax hikes and spending cuts set to kick in automatically on Jan. 2 if Congress can't agree on a plan to avoid it, sounds scarier than it may actually be. But when the federal government is your employer, your landlord, your healthcare provider and even your grocer, its budget woes are a much more pres…

  • How To Use Money-Back Offers to Maximize Your Savings

    How To Use Money-Back Offers to Maximize Your Savings

    Maximize your money by shopping smarter this season. Rebates are a great way to stretch your holiday dollars or help your savings account bounce back faster in the new year once your checks arrive. Many retailers offer money-back offers as an incentive to encourage shoppers to buy a product they might otherwise deem too expensive (but don't let a rebate be the only reason you buy something). Mail-in rebates acqui…

  • 9 Household To-Dos Before Going on a Trip

    9 Household To-Dos Before Going on a Trip

    With the holidays coming up, chances are you may be planning a trip to visit family. Whether you’ll be gone for just a few days or more than a week, there are some household ends you should be sure to tie up before you head out to keep your home safe and save money. 1. Mail Rather than bother your neighbors or extended family to pick up your mail every day, the U.S. Postal Service will hold your mail …

  • Unplug The Top 5 Energy Vampires In Your Home

    Unplug The Top 5 Energy Vampires In Your Home

    As a kid, we all learned to shut off the lights when we leave a room to save energy. The same went for turning off everything when we were finished using it. But sometimes simply turning off appliances like televisions and computers doesn’t stop them from consuming energy (and costing us money). Even when electronics appear to be turned off, many still consume power for charging, sending and receiving signals or…

  • Tips for Stopping Robo Calls and Telemarketers

    Tips for Stopping Robo Calls and Telemarketers

    After juggling ten things at once, you’re finally getting everyone to sit down at the table for a nice family dinner. Right then, the phone rings. Thinking it may be grandma or someone else important, you pick up only to hear a prerecorded message or a telemarketer. Although a day without any phone solicitation seems unlikely, there are some tips and tricks you can use to keep your phone line as clear as possibl…

  • UPDATE: It's Final! COLA Increase Approved for Disabled Veterans

    UPDATE: It’s Final! COLA Increase Approved for Disabled Veterans

    UPDATE: On Tuesday, Nov. 27 President Obama signed into law a bill that gives veterans and survivors a 1.7 percent hike for the cost-of-living adjustment (COLA). Effective Dec. 1, the increase will appear on January paychecks—directly deposited on Dec. 31, 2012—and affect about 4 million veterans, military retirees and survivors. The average increase in income for the year is $500. Dollar amounts will vary on…

  • How to Financially Prepare for the Holidays

    How to Financially Prepare for the Holidays

    It's that time of year again. The holiday decorations have come out and so have the wallets. You might think that the only way to have successful holidays is to spend copious amounts of money, but this is not so. There are several ways you can financially prep for the holiday season — without feeling like Scrooge — so that you fulfill all your holiday desires without breaking the bank. Last year's expen…