Whether you're struggling with debt, making big plans or looking for a better quality of life, saving is essential.
Whether it's a New Year's resolution, a credit card you're trying to pay down or simply that you want more cash in your pocket, finding a little extra money is important.
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But saving shouldn't be painful. If the steps you're taking negatively affect your quality of life, you probably won't be able to maintain them for long. So don't go on a "dollar diet." Instead, find ways to save that are simple and fast and that won't feel like deprivation.
The stock market -- or bonds or a money market -- cannot make your future secure unless you have money in them. So start saving.
"Wanna see something neat?" Kris asked recently. She was holding the year-end statement from her work-based retirement plan.
"Sure," I said. "Show me the money."
She handed the statement to me. "Look at my account balance," she said. "Look how it's grown. It went down a little bit in 2008 (10%), but because I kept contributing, the balance has gone crazy during the last two years."
Crazy good, she meant, as in up 280%.
Time's running out, but here are projects you can do at home in very short order.
There's very little time left to get your Valentine's Day gift plans in order. If you hope to hand out individual well-wishes today, your options are limited -- especially if you want to stick to a very small budget (and who wouldn't?).
Luckily, you may be able to solve this problem this afternoon and likely with supplies already in your house.
A 1990 law was intended to protect consumers' privacy, court rules.
Does it annoy you when a store cashier asks for your ZIP code? If so, and if you live in California, you'll be glad to learn the state Supreme Court has upheld a 1990 law that makes it illegal to do so.
The law prohibits merchants from requesting and recording a credit card holder's "personal identification information." The court ruled that such information can include not only a telephone number or street address but also a ZIP code.
Having a little ready cash at home means you're, well, ready -- no matter what happens. But where should you hide it?
For the past six years I've kept a stash of ones, fives, 10s and 20s hidden in my apartment. I believe in having legal tender on hand for emergencies.
- Calculator: Is your budget in balance?
You should be ready. Uncle Sam says so.
High-fructose corn syrup could become 'corn sugar.'
What's in a name? The National Consumers League thinks quite a lot, when it comes to food ingredients.
The Washington-based consumer group is taking issue with a proposal before the Food and Drug Administration to change the name of high-fructose corn syrup, a sweetener commonly found in soft drinks and processed foods, to "corn sugar" on food labels. The group says consumers have begun to increase their awareness of HFCS and its possible effect on expanding waistlines.
Calling it something else, the group says, is confusing and misleading.
New era for American home loans: Few may get traditional 30-year, fixed-rate mortgages in years to come.
This post comes from Marilyn Lewis of MSN Money.
Interest rates will rise. Down payments will rise. Home loans won't be easy to get.
As a Reuters story puts it, "The Obama administration nailed a 'condemned' sign on the wrecked U.S. housing finance system on Friday, but did not offer a clear blueprint for a rebuilding project that could go on for years."
The details will be for Congress to hammer out.
Long time coming
The day of reckoning has been a long time coming.
The league will stop paying for players' health insurance when the collective bargaining agreement expires next month. What are the players' options?
Now that Super Bowl XLV is history, the NFL has turned its attention to labor negotiations and a possible player lockout. As part of that, the league has announced it won't pay for players' health insurance after March 4, when the collective bargaining agreement expires.
So what, you might think. These guys can buy insurance with their NFL-size salaries.
What options do they have? Can they be insured? Or do concussions, torn ACLs, the greater risk of dementia, and all the other physical problems that go with the game count as pre-existing conditions? Insurance companies don't like to insure people who have health problems.
This seems complicated, and misunderstanding abounds. "Some of that misinformation has included suggestions that wives of players need to induce labor prematurely to give birth before March 4, that children with serious illnesses will lose their insurance coverage overnight, or other equally inaccurate and inflammatory statements," NFL senior vice president Dennis Curran said.
Fortunately, NFL players do have options, just like many other people who are out of a job. We can all learn something from the choices they face:
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