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Wise Bread Picks Last month our heating bill shot up from around $60 to more than $120 and my husband was not pleased. After receiving that bill we had a moratorium on using the heater. After two weeks of enduring chilly nights we gave up and started using the heater again. Six Ways to Stay Warm and Reduce the Heating Bill
Big List of Free Budgeting Tools and Software More than a month ago, I wrote a post about tracking your spending for a month. I tried to think of the best way to budget, but I don’t think there is anything that works for everyone. Everyone knows about MS Money and Quicken, so instead I’ve decided to compile a resource of free budgeting tools so that people can try them out on their own. Try a few.
If you're anything like me, you graduated from college and perhaps even took a finance class or accounting class here or there, but you didn't learn anything about managing your personal finances. In fact, there probably wasn't even an opportunity to take any such class in either high school or college. But if college is partly about training us for a job, shouldn't we learn what to do with the money we earn from a job? Especially in a country where 45% of college students are in credit card debt and 40% of all Americans say they live beyond their means, I think it's time to wise up to some of the challenges of money management. A few (say, 102) simple financial tips can help get your money life (back) on the right track. The Painfully Obvious But Rarely Followed Tips
Conscious spending: How my friend spends $21,000/year on going out
Basic Tips on Tipping: How Much and To Whom? Every time I get my hair cut, I’m faced with a dilemma — should I tip the barber or not? I usually get my hair cut in a small-town shop. I tip $2 on a $12 haircut. If I get to hear stories about Vietnam or histrionic political rants, I tip $3, even if I don’t agree with the barber’s viewpoints. (I tip because I’ve been entertained.) Sometimes, if I don’t have enough cash, I don’t leave a anything at all.
This article is by staff writer April Dykman. When I was in the first stage of personal finance, I had two obvious goals: Pay off my credit cardSave $10,000 for an emergency fund