Between the candy and costumes and decorations and parties, Halloween isn't as cheap as you think. Brands and companies who want to maximize their revenue pour millions into marketing Halloween items for the holiday for us to buy. ...
Read More →Between the candy and costumes and decorations and parties, Halloween isn't as cheap as you think. Brands and companies who want to maximize their revenue pour millions into marketing Halloween items for the holiday for us to buy. ...
Read More →Serve by American Express is making it easier for us to send money to people online. It's a pre-paid debit card that can be used anywhere American Express is accepted. And, it allows you to transfer money from one Serve user to another---forget paying people back with cash and the awkwardness that sometimes comes with it. ...
Read More →But what if the company you worked for said that they were going to nix the company Christmas party altogether? Or they made you choose between having a Christmas party or receiving a Christmas bonus? ...
Read More →Mango Money is a cool card that gives my son the flexibility of using his card for debit or where Mastercard is accepted, on and offline. ...
Read More →Now that I am a mom of two, I work with my children so they understand the importance of saving money and using banks to their advantage. Both of my children have bank accounts and my oldest uses his quite often for depositing money in his savings. ...
Read More →TLC's new show 'Extreme Couponing' follows a group of avid couponers who make saving money with clipping coupons a sport and a financial wonder. ...
Read More →TweetI am all about teaching my two kids the value of money. My 16 year old is being taught valuable lessons about money because he will soon be an adult and I do not want him to make the same mistakes I did when I was younger. As much as I try to tell him about saving money (he has a savings account), he is always tempted to spend more than he puts away. It is a constant struggle, but just because it is hard doesn’t mean that I am going to stop trying to instill lessons as it pertains to money, saving, and spending. American Express has come up with a new product called PASS. It acts as a prepaid card that teens can take with them, and parents can reload money on them as needed. Since it is not cash, it is safer for kids to carry and ...
Read More →TweetI have blogged HERE and HERE about my thoughts on student loans. I am still having issues with the repayment of these loans and it seems like I will never be out from under them. My sixteen year old son and I have been discussing college at length lately; we are planning a few visits to some schools he is interested in and we have also been talking about how we are going to pay for it. I do not want him to get into debt the way I did in terms of student loans, but even at a state school, college is quite a bit to pay for out of pocket. I am sure my son will be eligible for a grant and a few scholarships, but I do not think they will be full ride or will totally fund his education. When I began college at 18 and ...
Read More →TweetStaying in control of my finances has been most important as of late. Since I am not currently employed full-time, every penny I spend has to be tracked and budgeted to avoid potential problems. I have found that using Mint.com has helped me tremendously stay on top of my money and has made budgeting my expenses easy as pie. What is Mint.com you ask? It is an online website and application that you can use to help you and your family budget and plan your money. It is free to use and once you sign up, within seconds, you can be on your way to learning about where your money is going and tracking expenses for better planning. There are some other sites that charge a monthly fee to do this service, but Mint.com doesn’t cost a cent. You use Mint.com by setting up your various accounts (bank, savings, investment, ...
Read More →TweetNo matter how you cut it, we are in a recession. There is less money to go around as prices rise. With that being said, you do not have to live the frugal life unglamorously. As a matter of fact, you can still be a dynamic diva and glamourous girlie and save money while spending your well earned money on extras. Here is how! : Beauty School Deals- On Twitter earlier, I asked my followers if anyone had went to a beauty college before for services. Many replied back that they have used a beauty school before for minor services like manicures, pedicures, wash and sets, blowouts, and things of that nature. Beauty schools often charge very low rates in order for their students to get practice, and they are supervised by trained and licensed cosmetologists that know what they are doing. Going to a beauty college can cut down ...
Read More →TweetI wish I knew then what I know now. Student loans, especially through financial institutions are not a good thing. I have been repaying my student loans back since 2006 and it seems that I will be repaying them back forever. Just when I think I have made a dent in my loan, I look at my remittance slip and I have so much more to go. So here is my question: when will I be finished repaying my student loan? I blogged last month about my horrible ordeal with the Department of Education. They took my tax refund even though I have been paying my loan back on time each month. I was told that this was a “clerical error”, but that there was no way to reverse the mistake. I had plans for my refund and they all faded away upon that development. And even with that lump ...
Read More →TweetDear Department of Education: Please allow this letter to serve as official correspondence regarding my student loan account. When I first began college in 2004 for the second time, I had no idea of what I was getting into in terms of student loans. Wanting to better the financial situation of my family by obtaining a Bachelor Degree to go along with my Associate Degree, I took out a loan for four semesters in order to pay for my education at Webster University. The supposed low percentage rate and ability of the funds made it an easy sell. But, let me tell you, it hasn’t been easy. Every month, you get a payment from me via direct debit out of my account. Every month I scowl at my balance knowing that a repayment is eminent. I cannot run from my responsibilities. But it is hard, so hard. I make this ...
Read More →TweetMy mother always used to day: “Aint nothing going on but the rent….” I’ve been taught to be about my money. Not from a financial standpoint because I still have problems with my spending and saving. But moreso about making it and being smart with what I spend money on. I wish I was a frugalista but I’m not. I splurge more than I should but I am serious about loaning money to folk. If you ask me to LEND you money or give you a cash advance, I intend on getting it back. We all have hard times. And what’s a real friend if they aren’t for you in your time of need? But St. Louis financial guru Tracey Weeks says this: “Loaning money to family and friends is absolutely a no-no, especially if they do not have the means to pay you back. If they have no job ...
Read More →TweetI can count the number of blog entries where I have written about losing weight, eating more healthy, wanting to try new make-up looks, etc. etc. But one area in which I need the most help in is money. *Cue violins here* I’ve done okay for myself over the years. I have been blessed to have a wonderful man who I co-parent our daughter with and he contributes a lot to my income as well as my daughter’s needs where money is concerned. But I have also made a lot of bad decisions where it’s come to money; I am an impulse shopper and I tend to spend now and pay later. Not a good thing, especially in this economy. Recently, I sat down with Mr. Lewis, a financial planner for Edward Jones here in St. Louis and after meeting with him for an hour and a half, we both ...
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