Effectively using freed up Daycare dollars

The cost of daycare for preschool age children can be one of the most significant expenses parents face. According to the National Association of Child Care Resource and Referral Agencies, a family with a 4 year old child could pay upwards of $10,000 a year for center-based child care. I …

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Effectively Managing Credit Card Debt

In tough economic times many people turn to their credit cards when they need money. But racking up extra debt to deal with financial difficulties is a strategy that’s almost sure to backfire. Even when you have less money in your wallet, you should remember that the most important thing …

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Ask Your Employer to Ease Your Gas Burden

I have seen a number of articles recently on ways for people to combat rising gas prices. One of the more practical ways coming to the fore is employers subsidizing driving costs to work or to allow employee telecommuting – i.e. working from home. The average U.S. commute is now …

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New coupon delivery methods

Smart Money brings us some novel new coupon delivery methods. These are quite interesting and innovative and shows that as times get tough companies are continually finding new ways to lure shoppers to their stores via coupons. Here are some of the methods highlighted leveraging technology to its fullest (and …

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Your Car – An Asset or Liability?

When calculating your net worth, do you include your car as an asset? What value do you assign to it and what about all the running and insurance costs? According to accounting definitions, a car can only be classified as an asset if its current value is greater than what …

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Why I Hate Shopping at Walmart

Occasionally my wife will drag me along to go shop at our local Walmart. Normally this is in response to a big sale event they are having, where she has identified something that is a great deal and can’t be found elsewhere. However every time I go there I think, …

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