You'll need to instill good habits when they're young.
In the past, I've strongly advocated for families to introduce their teenagers to financial reality as early as possible. I know that in my own case, I went off to college with almost no idea of how to manage my money, and it really showed in the spending decisions I made over the next 10 years of my life.
Over the past decade, I've had the chance to intimately watch other families raise their children through the teenage years with lots of success and some failure. I've been impressed with some of the young people that are the core of Generation Y coming of age. Two in particular, my niece and my first cousin, are the kind of people that are a big net benefit to the world, and I would be incredibly proud if my own children turned out as well as they have.
You shouldn't feel obligated to send out cards.
Some of us suffer from chronic skepticism about the annual Christmas merchandising frenzy. But you don't have to be totally cheap to come up with a pretty holiday celebration that won't leave you feeling like Ebenezer Scrooge.
Here are a few strategies that have saved me some bucks:
Bing, Google and eBay are offering deals at airports, hotels and on planes.
What do adults want for the holidays?
If they’re travelers, free wireless Internet access in the airport is always a welcome gift. Bing, Google and eBay are all offering free wi-fi at airports and a few other locations -– including in the air -- this holiday season.
- Bing: Best free wi-fi spots
Here are the deals:
Retailers jump on the clunker trade-in bandwagon, but will you get top dollar?
- Got an old appliance your want to replace? Buy an energy-efficient model and receive rebates ranging from $50 to $250. This federally sponsored program, similar to the Cash for Clunkers program, varies by state. More details can be found here.
- Trade in old video games at Amazon.com and Toys 'R' Us in exchange for gift cards.
- Old electronic devices can be traded in to Radio Shack, Hewlett-Packard, Amazon and Costco.
Deals include a $250 GPS for $97, cheap DVDs and $3 appliances
Looks like Black Friday shoppers can “expect more, pay less” at Target’s post-Turkey Day sale.
On Friday, while supplies last, you can get
Should you line the interior with foil? Read on to find out.
Saving money is made all the sweeter when you also rest assured that you did your part to save power and energy. And although using the oven is not nearly as efficient as sticking to the stove-top, sometimes you just have to bake that casserole or cake.
So take a look at these 19 tips to help you maximize your oven's energy-efficiency, as well as to cut your cooking costs.
Wal-Mart making big changes to prevent rampaging crowds on Black Friday.
And this year, shoppers' desperation to get in on a good deal might be ratcheted up a notch. Blame the economy. Blame the pressure we put on ourselves to still shower friends and family with gifts even if we can't afford it.
You'll need something many jobless folks lack: A lot of cash.
- Continue to look for a work, competing with hundreds of folks in similar situations for each opening.
- Go back to school and find a new career with the hope you'll find a gig after you're retrained.
- Relocate to a part of the country where jobs aren't scarce.
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