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By Jeremy User on
2/27/2008 10:31 AM
Many Americans eat out on a weekly basis. With more mothers in the workforce working more hours, it gives them less time to cook at home. The same holds true for fathers who cook at home. It's all about a time issue. So does it really cost more or less to eat at home? And can you stay out of debt by eating in, especially after getting off a debt consolidation plan? This has been debated many times, and it all comes down to lifestyle.
Taking an hour to prep and cook and another hour to sit and enjoy the meal and clean up afterwards, you are looking at two hours spent. For many families this is too long. Kids have many activities that they are involved in these days. So they eat out more often than eating home.
The costs of eating in can sometimes be more than eating out. it comes down to choices and what you are willing to eat. For some palettes, they will spend up to $15 on a steak at the supermarket ...
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By Jeremy User on
2/20/2008 9:57 AM
We wanted to get our readers some information and ideas on what you can do with your tax refunds.
1. Set up an emergency fund. At a minimum, you need 2-3 months of living expenses set aside as a base-level start to a good financial plan. Ideally, you'd have six months, but if you don't have 2-3 months, this would be the first place I'd suggest you save your money.
2. Contribute more to your employer-sponsored retirement plan. If you're not getting your employer's full match in your 401k, put your refund in here to be sure you get it. It's hard to beat a 50% or 100% return on your money (which is what you get when the money is matched.)
3. Invest for retirement in an IRA. In particular, a Roth IRA. And if you have enough to get your entire 401k match made, fully fund a Roth IRA and still have some savings left over, then finish out the 401k until it's maxed out. Then you can m ...
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By Jeremy User on
2/13/2008 10:19 AM
Most Americans find it difficult to get out of debt. Especially if you are doing it on your own. If you choose not to go with a debt consolidation company to fix your financial woes, you still might need a little boost of encouragement, tips and advise.
Tricia, who owns a blog at Bloggin Away Debt, is a typical American in debt. She blogs about her debt and what she is doing to get rid of it. Tricia offers great advise, tips as well as rants about her financial recovery. One of her more recent posts should give you a boost of encouragement. She has cut her debt in half in about a year.
Finding site's like Tricia is a great way to start on your road to financial recovery. Inspiration can go a long way. Don't get discourage, stick to your plan, and you too can start to become debt f ...
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By Jeremy User on
2/1/2008 1:17 PM
Having a baby can be an exciting time as well as a stressful time. One of the biggest worries is, how are going to afford a child? Getting out of debt now will help ease your stress and allow you to afford the things baby needs.
Average costs of a newborn and all the items you need to buy are close to $5,000. If you think about it, you will be going through 8 diapers a day, countless wipes, formula, food, all those cute clothes and of course the baby furniture. You can limit your spending by careful shopping, but it will still cost a good amount of money over the long run.
Getting out of debt now will allow for a less stressful future. Take a close look at your current debt and your monthly payments. Imagine what you could do with that extra money if you were not sending it out to a creditor. You may want to consider debt consolidati ...
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