Poll: What Did You Spend Your Tax Refund On?

Tweet By now most of you who were getting a tax refund this year have probably already received it. So, the question has to be asked: what did you spend it on? Since the average federal tax refund is around $3,000 most people are getting a reasonable chunk of money. Sure, we can argue that […]

Don't Treat Your 401(k) Like a Savings Account

Tweet As a Chartered Retirement Planning Counselor and someone who deals specifically with retirement issues I spend a lot of time helping participants with their retirement plans. One of the most common reasons participants would meet with me is because they say need money and they are looking to take it out of their retirement […]

How to Have a Successful Yard or Garage Sale


Tweet The battered old station wagon sputtered and choked its way down the street and up to my front yard.  Rather than parking his car and getting out to survey the contents of my garage sale, the driver opted to gently ease his foot off the brake and coast by my house without even stopping. […]

How To Keep Eating Well On a Budget

how to save money on food

Tweet As the state of the economy becomes more and more uncertain, many families are obviously tightening their budgets. Cutting back on grocery costs is a great way to save money and you don’t necessarily have to sacrifice the quality of your meals. In order to keep eating well on a budget you’ll have to […]

Start Planning Your Spring Garden


Tweet It probably goes without saying, but growing your own food can work wonders for cutting down your grocery bill, as well as provide your family with a lot of cheap health food. But I know what you’re thinking I don’t know how to plant a garden, I can’t even keep houseplants alive, or I […]

The Thrift Store Junkie Strikes Again

Tweet “I’m cutting you a deal,” she said.  “Those books are really old.  I should be charging you more for them.” With twenty dollar bill in clenched fist, I steady myself and prepare to wage war. “You always do this to me!” I reply.  “You can’t change the prices once I come to the counter.” […]

How Not to Spend Your Tax Refund

saving money

Tweet If you’re like most Americans, you will be receiving a tax refund this year. If your refund is anywhere near the average it means you’ll be getting a few thousand dollars. No, really. The average tax return for the 2010 tax year is a little higher than usual and is $3,129 so far this […]

Where You Can Go To College For Free


Tweet College can be incredibly expensive, but some colleges offer free tuition as well as room and board to their students.  One of the most recent to jump on the bandwagon was Stanford University, located in Stanford, California.  In an article dated March 2nd, 2008, in the Sacramento Bee, Stanford announced its plan to offer […]

April is National Financial Literacy Month

Tweet Did you know that April is National Financial Literacy Month? That’s right, there’s a whole month dedicated to increasing financial literacy. I like to think that around here it’s a 24/7 financial literacy marathon, but a lot of media outlets and finance blogs will be joining forces over the next few weeks to bring […]

Last Minute IRA Tax Deduction

Tweet With just under two weeks before the tax filing deadline you probably think your 2010 tax picture is set in stone. For some of you that may be the case, but for many more there may still be some money on the table ready for the taking. It’s all about the IRA contributions. One […]