education-costsBy: Jeremy Fordham
It seems like getting a college degree these days is a prerequisite for working in most professions. In today's economy especially, employers are frequently inundated with waves of resumes that force them to resort to mass sorting techniques in order to weed out the people they don't want. Thus if you don't have a degree of any kind, chances are your resume will end up in the garbage. It's that simple.
Yet unfortunately, education comes with a pretty chunky price tag. Getting a standard four-year degree can cost upwards of $200,000, so it shouldn't be a surprise that a majority of students who attend college - even those who attend less expensive community colleges - accrue some debt while studying. While scholarships exist for those who excel in the classroom (and for those who are willing to put in the time to search and apply for them), most people leave college with a hefty sum of money to pay back. This puts a lot of pressure on new graduates to find jobs
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education-costsBy: Jeremy FordhamRead More »from What's the Best Way to Pay off Student Loans?
Save Money with Coupons from eBayBy: Kate ParhamRead More »from 3 Reasons to Buy Coupons on eBay
The idea of paying for a coupon may sound like an oxymoron, but fortunately, it's one of the smartest shopping decisions consumers can make. And with eBay, it's also one of the easiest ways to save money. A typical stack of 20 coupons sells on eBay for about $1 to $2. That's quite a deal!
Remember, it's not the coupons you're paying for - it's the professional service the clipper is providing. Paying for the actual coupons is illegal, so that's why you'll often see sellers say something like, "You are bidding on my cost of shipping and time to collect, clip and list coupons. The coupons themselves are free."
Here are three great reasons you should be buying coupons on eBay:
Get only what you want.
Often times, there are only a handful of coupons you actually want to use from the Sunday insert. Or sometimes, the coupon you want isn't even in the insert at all, though it may be in an insert in a different state, which you can buy on eBay and use in your home state.
Tax Deductions for the UnemployedBy: Juliana Weiss-RoesslerRead More »from 5 Tax Breaks for Job Seekers
Looking for a job can be a draining experience - both emotionally and for your bank account. You have to update and print out copies of your resume. You need business cards. You have to drive to and from interviews, and sometimes even pay for parking. Not to mention, the costs you'll incur if you decide to take any classes to better your skill set and increase your chances of getting the job you want. Thankfully, the US government knows just how expensive this process can be and offers many tax breaks for people searching for a job in their current field:
If you're a banker in Seattle and you fly to Los Angeles to look for banking jobs there, you can deduct any expenses related to the job search from the trip. This would include things like the flight, hotel, networking meals and drives to interviews, but would not include that day trip to Universal Studios.
Employment Agency Fees
Any fees you pay to employment and outplacement agencies are
How to Make Sure You're Roof's in Good ShapeBy: Kristie LoretteRead More »from 5 Ways to Assess the Health of Your Roof
The roof on your home is one of the most important parts of the building's structure. After all, the roof is what covers and protects the rest of the house that sits below it. Maintaining your home's roof health is a key component to maintaining the overall quality of your home, but unless you are a roof expert, you may not be aware of what you need to look for to make sure your roof is in good shape.
Check the condition of your roof shingles. According to the National Roofing Contractors Association, if any of the shingles are damaged, cracked, bending, buckling or missing, then it is time to replace them. If multiple rows of shingles are missing from the roof, it may be time to replace the roof altogether. Shingle replacement runs anywhere from $1.25 to $8 per square foot, depending on the materials.
In cold weather climates, you need to pay close attention to areas on the roof where ice tends to build up. Ice can cause damage to the
- Quizzle.com | Financially Fit – Wed, Jun 8, 2011 4:49 PM EDT
How to Save More MoneyBy: Benjamin GranRead More »from How to Save More Money No Matter How Much You Earn
Lots of people think, "If only I made more money, I could save more." The truth is, saving money doesn't have much to do with your income. It's true that someone living in poverty will not be able to save as much as someone earning $50,000 a year. But if you have a regular middle class income, the most important factors in helping you save money are your own dedication, discipline and sense of intention in saving. You can save more by deciding to save more.
Lots of people who have big incomes are actually not very good at saving money - they're used to having plenty of money coming in, so they don't pay enough attention to the money going out. Chances are there are lots of people earning $150,000 a year who save less than people who earn $50,000 - because the "$150,000 lifestyle" is so much more expensive. Once they start making a certain amount of money, people tend to find that their "needs and wants" become more expensive. "Keeping up with the Joneses" takes on a
How to Pay off Holiday Debt Once and for All!It's six months after the holiday season and many people are still carrying credit card balances from holiday shopping sprees. Did you overspend buying Christmas gifts for friends and family? Have you been sending just the minimum payments to your credit cards since Christmas? It's not unusual for holiday shoppers to spend a year or two after each holiday season trying to pay off their holiday debts, but the cost of financing your purchases on credit for this length of time is staggering.Read More »from Do You Still Have Holiday Debt?
How Much Credit Card Interest Costs You
When you're sending the minimum payment to your credit card accounts each month, it's easy to overlook how much in interest expenses you're actually paying. This is especially true for people who have three or more credit cards. When juggling multiple payments throughout the month, its easy to lose track of how much credit cards really cost you.
If you have about $3,000 in credit card debt and an average 15 percent APR, you're probably paying around $60 a
Get Great Money Saving Tips with these BooksBy: Kate ParhamRead More »from 4 Books that Will Help You Save Money
Do you feel overwhelmed when it comes to couponing? Not sure where to start? Fret no more! We've searched bookshelves high and low to bring you four resources that will help you save money - all in easy-to-digest formats, each with their own unique tips.
How to Shop for Free: Shopping Secrets for Smart Women Who Love to Get Something for Nothing by Kathy Spencer
Boston-based bargain shopper Kathy Spencer teaches readers how to get everything… for nothing! Whether she's showing you how to take advantage of coupons, in-store sales and rewards clubs, or breaking down the marketing lingo, like blinkies, tearpads and CATS, Spencer's advice is easy-to-understand, actionable and fun! The book is broken up with sidebars of hot tips, testimonials and outside resources, completely demystifying the "shop for free" process. Be sure to check out Spencer's website: howtoshopforfree.com.
Pick Another Checkout Lane, Honey: Save Big Money & Make the Grocery Aisle your Catwalk! by
Improve Your Credit Score with Your Mortgage PaymentBy: Kristie LoretteRead More »from 5 Home Finance Tips to Improve Your Credit Score
Whether you are looking to refinance your home loan or simply clean up your credit, costs and payments associated with your home carry greater weight when it comes to your credit score than other types of financing. Discover at least ways five ways you can improve your credit or keep your score soaring high - and how they relate to your home.
Make Mortgage Payments on Time
Your home loan tends to be one of your biggest monthly expenses. It's also one of the most important payments when it comes to your credit score. Paying your monthly bills on time makes up the biggest part of your credit score. And of the monthly payments that you make, paying your mortgage on time weighs more on your credit rating than other types of payments, including credit cards and auto loans.
Avoid Additional Mortgages
If you can, avoid taking on a second mortgage, which also may be called an home equity line of credit or a home equity loan. Taking on additional debt weighs down your
Make Your Finances into a GameBy: Juliana Weiss-RoesslerRead More »from How to Make Finance Fun
I know a lot of people dread looking at their finances, but honestly, I've never understood why. Dare I say it, I actually enjoy analyzing my finances. In fact, it's something I often do when I'm feeling bored. Trust me, I'm no math guru, and I'm certainly no expert in stocks or bonds. I just get a level of satisfaction in tracking my progress, and you can too. It's easy, I promise!
Think of it as a video game.
That doesn't mean you shouldn't take it seriously, but when you play a video game, you can get a lot of satisfaction out of reaching a new high score or getting to the next level. Finances can be a real life version. You don't try to get to level 10 right from the start or you'd probably fail quickly and stop trying. You work your way up.
If you're floundering under a mountain of debt now, it's unrealistic to set a goal to save six month's worth of living expenses or buy a house. Instead, set "levels" to reach along the way and be sure to pair the
- Quizzle.com | Work + Money – Wed, Jun 1, 2011 4:43 PM EDT
What to Do with Your Money If You're about to Lose Your JobBy: Benjamin GranRead More »from About to Lose Your Job? Here's What to Do with Your Money
The U.S. job market is starting to recover, but many people are still feeling vulnerable to layoffs. No one wants to think about losing a job. Getting laid off can be one of the most stressful and discouraging experiences of most people's lives - but you don't have to let it derail your financial plans. If you feel that your job might be about to go away, there are several actions you can take now to set up a more secure foundation for your financial life.
Whether you've been given a layoff notice or you're reading "the writing on the wall," here are some ideas to improve your money situation to help tide you over to your next paycheck:
Look for expenses to cut now. Can you go without cable TV? Can you buy generic brands at the grocery store? Can you sell a car or trade in a car for a used one to get rid of a car payment? Take a hard look at your entire monthly budget and look for places to cut. It's easier to make the cuts while you still have a