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Savings Sunday: Taxes, Frugal Living, and Budget Summer Travel

Professor IDS — Mon, 17 May 2010 01:19:50 +0000

Here’s a quick list of links from around the web we found interesting this week. These will hopefully help you save money and/or help you understand how to handle your personal finances better.

Since summer is rapidly approaching, we’ve included a few websites to help you plan a vacation away or at home one budget. Enjoy!

Finance/Money

237 Years of Hating Taxes
5 Things You Might Not Know About the 20-bill
How Predatory Lending Works, From Payday Loans To Rent-To-Own
Entrepreneurs, Start Your Engines: 100 Business Ideas You Can Drive Home Today

Frugal Living

Coupon Queen Savings: Get Your Grocery Coupons Organized!
Menu suggestions for eating well on food stamps
72 (and Counting!) Things to Do When You’re Bored at Home

Summer Budget Travel

40 Most Useful Travel Websites That Can Save You a Fortune
How to Make the Most of Your Summer Travel Budget
Budget Travel: 10 thoughts on the upcoming summer travel season

Save on Kids Swimming Lessons in Phoenix

Professor IDS — Sat, 08 May 2010 21:04:10 +0000

The City of Phoenix offers swim lessons to children at their pools around the city. Today is the first day for sign up (May 8th) for this summer. The lessons cost $15 for a 35-minute class with up to 8 children participating. At some pools this year the city is offering Parent/Child and Level 1 swim classes for just $3. This is thanks to a donation from the Salt River Project.

Photo Courtesy: City of Phoenix Aquatics

The pools will open for the Memorial Day weekend May 29 to May 31 and then will officially open for the season on June 5th. If you just want to enjoy a day at the pool, it will just cost you $3 ($1 if you are a senior over 50).

Professor IDS has been enrolling his children in the City of Phoenix aquatics classes for years. It’s a great way to save money and teach your children how to swim.

Click for more about the City of Phoenix swimming program.

Four Tips for Managing Your Credit Card Use

Professor IDS — Tue, 09 Mar 2010 12:19:36 +0000

Credit cards make it easy to purchase items you need and items you don’t. But many consumers find themselves in real credit card debt because they can make buying items a little too easy.

How can you avoid falling into this debt trap? Here are four tips to help you keep your use of credit cards in check and avoid financial trouble:

1) Do not use credit cards for major purchases unless its for an emergency or you have the money in the bank to pay off the purchase when your statement arrives. This means that the big screen TV or the trip to Hawaii must be put on the back burner until you have enough cash in the bank to pay for it.

2) Do use credit cards once a month for small purchases like a a tank of gas or for a dinner that you can pay off easily when your statement arrives. Doing this on a regular basis will help to build your credit and will show a good payment history overtime.

3) Do not exceed 25% of your limit on any credit card. Doing so will adversely affect your credit score. Simply put, with today’s FICO credit scoring standards using more than 25% of your credit limit can have a negative affect your credit score.

4) Do check your credit report to find out what’s on it. Be sure to dispute anything that is incorrect. Under the Fair Credit Reporting Act, you are entitled to a free credit report once per year. Request your credit report at Annualcreditreport.com. This is the reputable website established by the three credit reporting agencies to provide consumers with their annual report.

Savings Sunday: Valentine’s Day Edition

Professor IDS — Mon, 15 Feb 2010 04:15:52 +0000

We LOVE Valentine’s Day and hope you all had a sweet one.

Here’s a list of websites we came across this week in a quest to save you money and help you budget and eliminate debt:

Saving Money/Budgeting

Reader Story: How I Saved Hundreds of Dollars on Insurance
Do Kids Inherit Frugality?
A Life Without Debt: Five Myths About Being Debt Free
What is frugal living?
Billeater.com

Coupons/Savings Sites
Moms Who Save
The Frugal Find
Stuff Your Mailbox With Freebies

Small Business/Home Business
9 Unconventional Steps to a Thriving, “Very Small” Business
How to work from home cheaply & save money (a blog from Down Under)

And in honor of Valentine’s Day, first graders from Brooklyn explain Valentine’s Day in First Grade Valentines from Time.com:

Savings Sunday: Ethical Butcher and Eight Irresistible Principles of Fun

Professor IDS — Mon, 08 Feb 2010 03:19:02 +0000

It’s been a busy week around here at IDS. We continue to help people eliminate debt and re-gain much needed calm and control over their lives.

In that spirit, we offer up a list of websites we came across this week which we hope will inspire you to budget, save, and learn more about personal finances:

Budgeting and Personal Finance

Saving in Your 20s To Have More Security for Your 30s and 40s
LiveCheap.com
What Will The Next Ten Years Be For You Financially?
10 Steps to Creating a Budget You’ll Actually Stick To
10 Tips For Knowing When To Refinance A Mortgage
Paycheck Calculator

Credit News

Experian sued over FreeCreditReport.com

We also came across the story of The Ethical Butcher who took on a temporary job that would change his life.

Meet the Ethical Butcher

And to wrap things up, because dealing with your debt can be very stressful:

The Eight Irresistible Principles of Fun

Savings Sunday

Professor IDS — Sun, 31 Jan 2010 19:17:24 +0000

Here’s our weekly list of websites to help you budget, save and learn more about personal finances:

Sites to help you save:
http://www.frugalvillage.com/
http://www.americascheapestfamily.com/
http://groupon.com
http://www.fatwallet.com/

Sites Helping Kids Understand Money:
http://www.bankingonourfuture.org/

Free Tools Online:
http://faxzero.com/
http://www.dropbox.com
http://www.howtocomplain.com/

How We Can Help You

Professor IDS — Thu, 31 Dec 2009 17:17:36 +0000

Are you struggling to pay the minimum payment on your credit card bills each month? Is making these payments making it hard to feed your family or put gas in your car to get to work. Are these payments affecting the way you pay your mortgage? Does it feel like you are in a downward spiral and you have no quality of life?

Many people face this situation every month. With our consultative approach we can give you options that are best for you and your family.