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Five Ways to Save Money on Prescription Drugs

Prescription drug prices, along with health insurance, have been the bane of society for years.  With rising costs of prescriptions, it is no wonder that some individuals are cutting their pills in half thus endangering their own heath.  This is unacceptable in our society - yet it continues. Whether you have health insurance or not, here are five ways you can save on prescription drugs: 1.  Ask your doctor to prescribe generic drugs, as they are the least expensive.  As stated on ... Read More


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Category Money Management

Five Ways to Protect the Cash Flow for Your Business

Five Ways to Protect the Cash Flow for Your Business This current financial crisis has affected corporations in every sector of our economy.  The inability to obtain credit has decreased the amount of inventory that is vital for conducting business on a day-to-day basis.  If you are a business owner, whether outside or based within your home, here are five ways to protect your cash flow. 1.  Depending upon whether or not you require payment up-front or offer a line of credit ... Read More


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Five Tips to Save on Grocery Bills

Five Tips to Save on Grocery Bills We are all going to have to tighten our belts during this economic crisis.  In the wake of unemployment rising, home foreclosures, and the stock market’s volatility – anything we can do to cut down on expenses will be required.  With fuel and food prices surging, here are five tips to save on grocery bills. 1.  Buy in bulk.  If you do not belong to Costco, Sam’s Club or BJs, now may be the time ... Read More


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Five Tips to Reduce Credit Card Debt

Five Tips to Reduce Credit Card Debt With the economic downturn, everyone is feeling the effects in their daily lives.  For some, however, having credit card debt can be the straw that breaks the camel’s back.  If this applies to you, here are five tips to reduce credit card debt. 1.  Pay down your debt.  Use the “snowball” method, which works as follows:  Make a list of your credit cards and place the card with the highest rate of interest first, then ... Read More


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Five Tips to Protect Your Money

Five Tips to Protect Your Money During this difficult economic downturn, there are several ways you can ensure your money is safe.  Here are five tips you may like consider: 1.  Since the FDIC has increased its insurance amount from $100,000 to $250,000, it may be a good idea to check with your bank to ensure your deposits are covered.  And for those of you who have money in banks that have either merged or have been taken over by the government, ... Read More


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Five Tips to Improve Your Credit Rating

Five Tips to Improve Your Credit Rating With the current credit crunch, you may have over-utilized your credit cards.  This can ultimately have a negative effect on your credit rating. Here are five tips to improve your credit rating: 1.  While credit reports can be obtained for free on an annual basis, you do have to pay a fee to view your credit scores at other times.  Therefore, go to annualcreditreport.com which is the only site available for free credit reports.  After you ... Read More


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Five Tips to Help You Survive an Economic Disaster

Five Tips to Help You Survive an Economic Disaster Each day, the economic forecast becomes darker.  With 1.5 million homes in foreclosure, home equity falling, unemployment rising, and the dollar losing its value each day - the financial outcome seems grim. In order to survive what has been called an “economic tsunami”, here are five tips that may help you prevail during the worst financial crisis since the Depression. 1.  Pay down your debt.  If you have an excellent FICO score, you may ... Read More


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Five Tips to Stop Wasting Money

Five Tips to Stop Wasting Money There are certain measures you can take during this economic crisis to save money instead of wasting it. 1.  Energy Conservation.  Winterize your home now.  Experts expect this to be a harsh winter, and therefore it is recommended that you begin inspecting your home for cracks in the ceilings, walls, and windows.  Make certain the insulation in your home is up to par.  Purchase energy-efficient light bulbs and fixtures, and shut the lights when leaving any ... Read More


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Category Money Management

Can I Still Qualify for the Stimulus Check?

Can I Still Qualify for the Stimulus Check? If you have not yet received your stimulus check, you may want to check with the IRS to determine the reason why.  According to the IRS, “if you missed the Oct. 15 deadline for filing an income tax return for an economic stimulus payment, don't worry.  You can receive a payment in 2009 by filing an income tax return when the filing season opens in January.” Who is eligible for the stimulus check?  The IRS ... Read More


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Can I Expect Heating Oil Prices to Surge This Winter?

Can I Expect Heating Oil Prices to Surge This Winter? As if the economic crisis is not bad enough, weather forecasters have already informed us that we are going to have a severe winter.  This, coupled with the rise in fuel costs, is sure to cause a great deal of financial stress for most individuals. According to the Energy Information Administration, “Average household expenditures for all space-heating fuels are projected to be $1,137 this winter (October 1 to March 31), a 15-percent ... Read More


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