- Farnoosh Torabi, Yahoo! Finance | Financially Fit | Mon, Mar 25, 2013 1:16 PM EDT | Comments
It's only a matter of time when your young child starts begging for a cellphone. While there's no absolute rule as to when a cell phone begins to be age-appropriate, a Pew Research study found that most parents buy their child a phone for the first time around 12 or 13 years old. In fact, 58% of 12-year-olds carry a cellphone today, up from just 18% in 2004.
If you feel the time is right, here are some responsible and affordable options for kids, tweens and teens.
Kids age 6-11
For grade school children, no need for a smart phone. But for basic communication with family or emergencies consider a Pay As You Go plan.
"There's a dollar or two access fee per day and its 25 cents a minute," Michael Gilkas, senior electronics editor at Consumer Reports.
"This is for the grade school kid who isn't using their phone socially yet, but makes a couple calls to Mom once or twice a week. On a pa...Read More »
- Woman S Day | Financially Fit | Wed, Mar 20, 2013 12:54 PM EDT | CommentsBy Stephanie Emma Pfeffer
Discover fun and practical things you can get for absolutely free
Whoever said nothing in life is free clearly didn't look hard enough! A little time is all it takes to track down worthwhile products and services for literally no cost. Check out what you should never pay for and how to take advantage of these legitimate deals. Photo by Thinkstock.
1. Product Samples and Travel-Size Toiletries
You're limited to 3.4 oz in your airplane carry-on bag, but specialty sizes may cost more per ounce than their full-size counterparts. Save money by scouring Sweet Free Stuff, TheFreeSite, and Free Stuff Channel, which aggregate promotions and trial-size offers from manufacturers. While some freebies involve effort-such as liking a brand's Facebook page or filling out a quick survey-it's usually worth it. Check out Freeflys and Hey, It's Free for additional details on what to do. Most offers require an email address, so create a separate account for deals to prevent your regular one from being inundated with junk. But no matter what,...Read More »
- Astrology.com | Financially Fit | Tue, Mar 19, 2013 12:35 PM EDT | Comments
How Your Sun Sign Influences Your Spending Habits
Given the unique nature of each Sun sign, certain individuals are better suited to saving money, while others thrive on spending a buck or two. Where do you fit in on the saving-spending spectrum?
The impulsive nature of these Fire signs indicates that spending is a top priority for them. If Aries and Sagittarius can channel this predilection toward investments -- something that comes with the sort of risk their competitive Fire energy loves -- they'll combine that urge to splurge with the potential of stashing money away for the future. Credit cards and sales are no friend of theirs, as they simply facilitate these signs' buy-now-pay-later mentality.
Capricorn, Virgo, Cancer, Scorpio
These four signs are typically practical with money. Virgo and Capricorn each possess a security-conscious Earth influence -- a great help when trying to plan in the long-term. Scorpio likes to stay in control and doesn't spend unnecessarily, while Cancer is cautious and thrifty. Savi...Read More »
- Farnoosh Torabi, Yahoo! Finance | Financially Fit | Mon, Mar 18, 2013 12:10 PM EDT | Comments
Women are making incredible strides. For the first time in history, we are more educated than men and hold a majority of the advanced degrees. We represent 50% of the workforce, up from 35% a generation ago. And, we make most of the household decisions, everything from buying items for the home to managing household finances.
But of course, as women, we still face unique challenges that need specific attention and advice. Here are my top money tips every woman ought to know.
Contribute More to Retirement
First, sorry to say, we need to save more for retirement than men when you consider we live an average five years longer. If you haven't already, it's best to automatically set aside close to 15% of each paycheck in a 401(k) or other retirement plan, a bit more than the generally recommended 10%.
Prepare For Higher Expenses
As we recently covered, it costs more to be a woman. Resear...Read More »
- Redbook | Financially Fit | Thu, Mar 14, 2013 9:50 AM EDT | Comments
Experts say there's money in hills of clothes, junk, and paperwork at home. We'll help you find it. By Melody Warnick, REDBOOK.How many Saturdays have you looked at an overstuffed closet or a piled-high mail table and thought, I've got to get that under control? Here's an incentive: Your mess may be hiding anything from lucrative missed opportunities to actual cash. We got experts to tell us how much may be stashed in the average home--and how you can cash in.
STRAY LOOSE CHANGE: $90 for the average household
All those nickels left in couch cushions and pennies in car cup-holders add up. "Approximately $10 billion in coins is just sitting in U.S. households," says Martha Belden, spokeswoman for the coin-counting company Coinstar.
Clutter buster: Buy a piggy bank. Seriously. "Get an electronic one that automatically counts your change, or a giant bottle, whatever," says Regina Leeds, author of Eight-Minute Organizer and One Year to an Organized Life. "I suggest that my clients keep i...Read More »
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