Planning meals ahead of time is a great idea, since there are many benefits that come along with it. Meal planning affects many different aspects of life, including your time as well as your financial situation. No matter what situation one may be in, planning your meals ahead of time is always a good idea. Meal planning makes it possible for almost any size family to eat healthy meals everyday of the week on a budget. It also gives you more time together as a family while spending less money. Read the full story

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When you hear an advice on how to save money on grocery shopping, most likely you will hear to shop for store brands, eating before shopping, using coupons and making a shopping list. In “Grocery Shopping Tips To Help Save Money” I covered 3 most popular money savers, but I do want to talk a little bit more about those and other grocery shopping ideas that I have been utilizing for the last few years. I can’t say I have always been this way, but tough times call for “extreme” measures. If you really want to see some savings, try using some of the following tips:

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What if I told you there’s a potential $100,000 smackaroos in it for you for just sticking with me for another three minutes?

Here’s how: Clean up your credit score.

Seriously, I’m not going to harp on about how stellar credit means paying less interest on loans, qualifying for lower insurance premiums, and sailing through things like landlord and employment background checks. You know that already. Read the full story

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You can almost hear the collective slaps to the head.

This recession has brought to light dumb money management practices, forcing just about all of us to confront our financial foibles. Read the full story

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Should you hold off on saving until your nonmortgage debt is paid off?

Simple math suggests it’s better to get rid of debt before saving for retirement or an emergency fund. After all, if the savings rate is 1 percent and you have credit card debt at 14 percent interest, money is better spent paying down debt quickly. Read the full story

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It’s been said that the best things in life are free — and we couldn’t agree more. That’s why we’re back with our third annual list of our favorite freebies

We looked for primo goods and services, no useless junk allowed. And boy, did we find ‘em, from financial management and planning helps to entertainment and vacation freebies.

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That is the question…

I say yes! More and more people these days utilize this shopping strategy. I am not exception. I haggled and will continue haggling regardless of my financial situation. Even if I save just a dollar by haggling, I am satisfied. Am I cheap? No, I am just concerned about my money. Read the full story

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Are you in the habit of spending too much on groceries? Do you despise going to the grocery store because you know you are going to spend too much money and too much time? If you answered yes to these questions you may want to consider the following grocery shopping tips: Read the full story

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Have you ever made a purchase that you ended up regretting? If so, this is known as buyer’s remorse. While this is a common problem, if you take the right steps you can be rest assured that you will never have to deal with it again.

Here are three tips to keep emotional purchases away so that you only spend money on what you need, when you need it:

1. Don’t impulse shop. Many people go to the store with no idea of what they want. Instead, they plan to see what is available and then buy something it if catches their eye. As you can imagine, this is going to lead to buyer’s remorse from time to time. This is especially true if you spend money that you don’t really have.
2. To go along with the above, make sure you have a plan.
   If you head to the store with a plan you will not be tempted by items that you do not need. Work your plan by only shopping for and purchasing the items you know you need.
3. Before you buy anything make sure you are aware of the return policy.
   This is a great idea because if you do buy something impulsively you can always take it back if the policy allows you to do so. You don’t want to rely on returns, but this can definitely work in your favor if you slip and make a mistake.

All in all, emotional purchases can come back to haunt you. If you are always dealing with buyer’s remorse you need to use the above tips to kick this emotion out of your life. When you stop impulse shopping, carry a plan, and know the return policy you should be able to avoid emotional purchases which will eventually lead to remorse.

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