Holiday shopping season is a great time to find one.
Right now may be the perfect time to take a second job. The holiday season is gearing up in most retail stores, and chains everywhere are hiring seasonal workers. Whether it's stocking shelves, mopping floors, filling displays or selling goods, the shopping season is ramping up and now is the time to locate and nab those holiday gigs.
If you, like many Americans, are deep in credit card debt, you might be wondering how you are going to pay it off. Or maybe you're not in debt, but need to make some extra cash to put a down payment on a car or condo, or start your own business. Maybe you just want to buy your sweetheart (or cat) something really special this holiday season.
Some folks take extreme measures to save some pennies.
Some frugal-living tips -- turning two-ply toilet paper into one-ply -- seem over the top, but others, like reusing Ziploc bags, are accepted practice in lots of households. The Happy Rock provides six "cheaper than cheap" tips "that border on fanatical to the point of being humorous" and asks readers to vote on their usefulness.
"Rock" provides a thorough explanation of each über-frugal tip as part of an ongoing series of posts, complete with how-to links in case you need some help implementing them.
Real value often costs more.
The things that stick in your head after reading a book are often interesting. For example, recently I posted a detailed review of "Miserly Moms" that outlined a ton of useful tips for cutting domestic spending.
Yet, the thing that stuck in my head for days after reading the book was an offhand comment author Jonni McCoy made about buying garbage bags. She pointed out that one could easily switch to generic for this item because low-cost garbage bags are a great way to save money.
My response to that? Not in my world, they aren't.
Make sure you make allowances for some luxuries.
This post comes from J.D. Roth at partner blog Get Rich Slowly.
Some people never take control of their finances because they're afraid that doing so would require them to give up everything they enjoy. I don't believe that's true. Getting out of debt requires hard work and sacrifice, but that doesn't mean you can't have fun along the way.
Online gambling's legal status is murky.
What's life like for professional poker players, particularly those who earn their living online? An anonymous pro sheds some light on the occupation in a guest post at Budgets are Sexy.
It's a fascinating read, and enough to convince us we'd rather work at Wal-Mart than embark on multi-table tournament play. Too much stress. Too many possibilities to go broke going for broke.
Oh, and did we mention that while the legal status of online poker appears to be somewhat murky, the people who really count -- those at the U.S. Justice Department -- insist it's a crime?
Blogger has some strategies to avoid splurges.
I'm often tempted to spend money that I shouldn't.
I'm good at restraining my impulsive nature. I don't simply go into stores and then emerge later with a hefty bag, a credit card bill, and a dazed look on my face. Still, in certain places, I am strongly tempted to spend. I look around and see tons of items that I'd like to have.
Here are seven places that really fuel my spending desires.
Blogger retired in his early 30s.
This blog is called Early Retirement Extreme for a reason. Jacob, a guy in his early 30s, spent five years saving and investing 70% of his income on his way to a goal of quitting the rat race, and now he's going to save even more.
First steps: Get your FICO score and a free credit report.
Improving your FICO credit score has never been more important than it is now. Your credit score affects whether you are approved for a loan, the interest rate your pay, and even the cost of insurance.
Credit card companies now use credit scores and credit history to determine not only the interest rate that will apply to the account, but other terms such as the length of no-interest balance transfers. And your credit score can even impact whether you get a job.
In short, your credit score has a big impact on your finances. The good news is that you can begin to improve your credit score today with a few simple steps.
Copyright © 2013 Microsoft. All rights reserved.
Fundamental company data and historical chart data provided by Morningstar Inc. Real-time index quotes and delayed quotes supplied by Morningstar Inc. Quotes delayed by up to 15 minutes, except where indicated otherwise. Fund summary, fund performance and dividend data provided by Morningstar Inc. Analyst recommendations provided by Zacks Investment Research. StockScouter data provided by Verus Analytics. IPO data provided by Hoover's Inc. Index membership data provided by Morningstar Inc.
ABOUT SMART SPENDING
LATEST BLOG POSTS
Even those who don't like to shop are probably hitting the stores this month. Here's what to be on the lookout for and here's what to avoid.