In today’s modern world, cellphones have become almost a necessity for everyone. Unfortunately cellphone plans are often confusing and seem to always have extra fees that come out of nowhere. Luckily, there are some steps you can take to help lower your monthly bill and get the most gab for your tab.
Avoid A La Carte
Many cell plans offer unlimited minutes, at least to a certain number of your most common numbers. However, text messages are often a different story. Some plans will charge ten cents or more for each message you send or receive. If you send more than one text message a day or have a shared plan, ask about unlimited text for your plan. Read more…
Did you know that if you wisely invested the money you spend on disposable diapers, it could pay for your kid’s college? The typical family will spend over $2000 on diapers. This money literally is being thrown in the trash.
Cloth diapers are the latest craze in parenting. Newer, high-tech cloth diapers are user friendly and a snap to use. There is a slight learning curve, but once you get used to them, they are no harder to use than disposable diapers.
A decent starter kit for cloth diapering has a startup cost, but it is no comparison to the amount of money you can save in the long run. Most kits can be had for $200, around 10% of what would be spent on disposables. Read more…
Identity theft. You’re hearing the words more and more, on TV and especially online. And there’s good reason. Identity theft is among the largest growing crimes in the world, and it costs consumers millions per year. Here are some facts about identity theft and how you can prevent it from happening to you.
Don’t miss out on all the info. Check out the fullsize graphic. 
Here are some eye-popping stats about ID theft.
- There were 10 million victims of identity theft in 2008 in the United States (Javelin Strategy and Research, 2009)
- 1 in every 10 U.S.
Read more…
Ryan Guina is an entrepreneur and writer. He has worked for Fortune 500 companies and served six years in the USAF. He writes about money management and small business topics at Cash Money Life and military money topics at Military Finance Network. You can follow his twitter feed.
Your credit report includes very important documentation of your credit history, which is used by lenders to assess risk as well as employers and other agencies which have a vested interest in how well you manage your credit and finances. For this reason, it is imperative each consumer not only take the necessary steps to improve their credit management but also to remain abreast of the information reported to the credit bureaus.
It is not the job of the credit bureau to determine if the information is correct.
Read more…
Are you making a decent living earning enough? Yet, the trend is to be broke as soon as you get money in hand? It almost vanishes into the blue before you even get the feel of it. You feel broke almost at the beginning of the month and don’t seem to have any savings. Here are some reasons why, and how to work at reversing it and have more money at hand:
Differentiate between Needs & Wants: yes, you definitely need to be able to differentiate between needs and wants. Needs are something you simply can’t do without given the time and situation. Wants are more of those that do not make a significant change in your life. You may be able to do without them. It Read more…