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Save Money on Groceries: Part I One universal of humanity, no matter who you are or where you come from, you have to eat. Unless you grow your own food, you will have to go to the grocery store to get it. That means money. Here are two very simple but highly effective methods for saving money on the food you buy. Healthy Eating On A Budget It is possible to eat a healthy, balanced diet without breaking the bank! Here are some suggestions: A Quck Lesson in Saving Money Did you have a piggy bank when you were a child? I did. Mine sat empty for a long time until my mother convinced me that I should really start putting my pennies and nickels into it in order to save my money for when I was older and wanted to buy something. Learning the Basics of Handling Money With prices increasing all the time, saving money can be harder and harder to do. Here are some solutions for saving a little so that you can still meet your needs and still find ways to trim off a little for the future. Risky Business: You May Not be as Daring as You Think I thought I was through with exams when I finished college. Then my financial adviser (a.k.a. stockbroker) had me take a test to measure my tolerance for risk. He said, there were no right or wrong answers, but I knew better. Creating A Household Budget Creating a budget can be a very difficult task. Although we as consumers know that we need to pay our bills, buy our necessities, and put money away for savings, we don't really know how to start. Government Grants - Beware of Scams As the saying goes: "Buyer Beware". If you see ads claiming youqualify to receive a "free grant" for education, to start a homebusiness or to payoff unpaid bills, be wary. Scam artists will claim your grant application is guaranteed to be accepted and approved, and you never have to repay the money. But the Federal Trade Commission (FTC) warns that these grant offers are often a scam. The grant isn't free, nor is it guaranteed, nor is a refund.According to the FTC, some scam artists market "free grants" inclassified ads and even provide a toll free phone number. Here's an example of what happens when you call:A company representative asks non-threatening, simple questions to supposedly determine if you qualify to receive a grant. The representative then acts as if he/she is checking your eligibility, and then congratulates you as being eligible. But for you to get the grant information from them, they will chargeyou a processing fee. Although they will promise you that the grant is guaranteed or you can get your money back, the truth is far different.They will tell you that the processing fee is for finding a grant source and sending you the appropriate application package in the mail. But you won't receive an application or a source. Instead they send you a list of agencies and foundations which you must write and request an application. In order to getyour refund, you must apply to; and be rejected by, all these agencies within 90 days.Most grantors don't award grants to individuals for personal needs. Generally grants are to serve mankind and communities as a whole, such as job expansion, training under-employed youth, preserving history, funding charities, art museums, or for researching medical issues. So, even if you're in a financialhardship, or you may be an unwed mother, a single parent, a minority, etc, you're not likely to approved. And you may as well forget about getting a refund from the grant "broker" because the conditions for a refund are nearly impossible, requiring you to apply at every grantor on the list theyprovided to you and be denied by each resource within 90 days. If even one resource doesn't reject you within the first 90 days, you won't get your refund, nor will you get it back if the rejections are past the 90 day requirement.If you're thinking about applying for a grant, remember that the applications are available to you for free and that anyone who guarantees you a grant is likely to be interested in their own financial gain, not yours. If you think you may have been a victim of a grant scam, file a complaint with the FTC byvisiting www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261.Don't fall for grant scams. Use the free resources available to you at public libraries, on the internet, and at www.creditfederal.com/government-grant.html Do You Know What Tomorrow Will Bring? I've been sharing the following idea with people for a few years now, and realized recently that I had never written specifically about it. So here it is: Budgeting: A Tough Love Way to Handle Your Household Budget Developing and living by a household budget is by far the best way to get your expenses under control which, in turn, can mean a much less stressful life. Benefits of Personal Finance Software In this age of information, keeping track of your finances does not mean an archaic jumble of ledgers, calculators, and papers filled with calculations in chicken scratch. Now everything can be taken care of on your computer through personal finance software. Personal Loans For Homeowners ? One Of The Numerous Rewards For Being A Homeowner You no longer look at the pictures of homes cause you yourself bought one. Well, you know how you got that, it was a huge investment. Now that you are facing some financial issues and you are thinking of taking a loan to cope with monetary crisis. Taking loans is a growing phenomenon. And this has a lot to do with the changing configuration of the current economic scene. Monetary and fiscal requirement of the people have increased and in turn led to increase in loan borrowing. So, it is not exceptional that you are looking for loans. If you are a homeowner in the pursuit of personal loan, all I can say is "you are fortunate". Top 10 Ways Managing Your Money Is Just Like Riding a Bike An avid cyclist and bike racing fan, I sit transfixed during the many hours of Tour de France coverage every July when the race rolls around. This year, during some of the less-than-scintillating early miles of the sprint stages, my mind wandered a bit, and it occurred to me that there are some interesting parallels between winning the Tour de France and winning at personal finance.Having watched Lance Armstrong pull off the win for 7 years in a row, I've compiled this list of the Top 10 Ways Managing Your Money Is Just Like Riding a Bike:1. If you take safety precautions (e.g. helmet/emergency fund), you'll feel a whole lot more relaxed and confident on the journey. 2. The better prepared you are, the greater your chances of succeeding. It's important to learn from the past, but you must also scout out the road ahead and evolve with the constantly changing environment. 3. Crashes happen. The actions of other participants, bystanders, and the media can sometimes distract you from your goal. If you expect the unexpected and are able to respond with a level head, you'll be better off. 4. If you take too many unnecessary risks, you might end up out of the race, and sometimes it can take quite a while to recover. 5. But you'll probably have to take at least some calculated risks to come out ahead. For example, you might improve your performance by using cutting edge products, e.g. ultra-light wheels for big uphill climbs or, in the financial world, Health Savings Accounts (HSAs.) But you also make some tradeoffs, e.g. less stability going downhill or, with HSAs, penalties if you withdraw the money for something besides health care. 6. There will be rainy days, and there most certainly will be ups and downs. The one who weathers the tough days the best usually comes out ahead in the end. 7. You don't have to come out on top ("beat the market," so to speak) every day ? or any particular day, for that matter ? to win the overall race, the race that really matters. 8. You can go a lot farther if the team you surround yourself with has skills, experience, a well-defined goal, and the right motivation. 9. Even if you start at a huge disadvantage, you can emerge victorious if you have the right attitude, understand the rules of the game, and persist despite setbacks. 10. A little bit of luck never hurts!So the next time you're in doubt as to which road to take on your personal financial journey, consider looking to the peloton for guidance and inspiration. Whether your goal is a yellow jersey on the Champs-Elysées in July or a secure retirement, there's a surprising amount to learn from watching a bunch of bike racers circumnavigate France. Congratulations, Lance! Retirement Income Needs---Less Than You Think? It is widely written that you need 75% of your presentincome to maintain your present life-style in retirement. Ifyou make 100 thousand now, figure 75 thousand inretirement. Bankruptcy Chapters Explained Chapter 7 Live Green; Save Green! Have you seen the recent article on a new "green" residential high rise in Battery Park? It's called The Solaire. For a look at the hopeful future of architectural efficiency, check out the myriad of cost saving and environmentally-friendly features of the building: Vacations Made Easy: Buying a Florida Investment Property Vacations Made Easy: Buying a Florida Investment Property Saving Money On Gasoline For Your Automobile The gas that we fill our tanks with every week adds up to be quite an expensive bill over the months and years. Thirty dollars a week in gas adds up to over $1500 a year. Save Money Off Your Home Utility Bills Many don't realize that our basic utility bills provide the perfect money saving opportunity for practically every household! Basic Bank Accounts Failing the Basic Needs of Consumers The lists of bank and savings accounts that are available to most people are bewildering. A quick look at a comparison site like Moneynet or Moneyfacts will reveal thousands of different products. Unfortunately many of these accounts are not accessible for anyone with either a poor or even no credit history. How to Obtain a Non ChexSystems Bank Account Without Being Scammed Predatory lending exists in the mortgage industry. It's typically when a mortgage broker add's on unnecessary fee's to a bad credit application, because he or she knows that the applicant is in a desperate situation.
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