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Go Back To School Shopping While On a Budget

Most of us are on a budget these days which means we have limited funds when it comes to back to school shopping. You can go back to school shopping while on a budget and still get everything that you need. Here are some tips for those on a budget who need some help finishing their back to school shopping.

Go through what your child had last year. Is anything reusable? If so then you should reuse it. Why buy new, when you have something perfectly good at home that you can use? Go through everything. Often times they will end up with extra notebooks or pens that they can reuse too. Make sure to take note of what you do not have to buy.

Apple Back To School

Get online. You can compare prices of the items you need to buy for your child by looking at various retailers websites. This will help you know where to go for the best deal. You do not want to overpay for anything, so this step is pretty important.

Find out when the tax free weekend is. That is a great time to go back to school shopping. You will have to fight crowds, as many people go shopping on that weekend, but not paying sales tax will save you money. That is money that you could put toward other things that you still need to get your child for the new school year.

If you start early enough in the summer with the items you know your child will need, like notebooks and pens, you can look around for deals and sales. This also allows you to spread out the cost of paying for their back to school items. By spreading out the cost it makes it much easier to pay for because you do not have to pay for it all at once, which sometimes can be a bit much with the price of things these days.

It is okay if you wait to buy some clothes until after school starts. There is no rule written down somewhere that you have to buy their whole wardrobe for the year before school starts. You can buy things periodically throughout the year as items go on sale.

These are all great ways to save money when back to school shopping. There is no reason you have to spend a ton of money at once or not pay a bill one month because you have to pay for your child to go back to school. Knowing little tips and tricks can help you get everything they need, while helping you save money at the same time.

Some Financial Advice for Women

There are so many tips and tricks out there about finances it can be difficult to figure out which ones to follow. There may be some that you are familiar with and some that you are unfamiliar with. Here are some tips to help you to navigate the financial world.

You need to know when it is time to get professional help with your finances. There are financial planners out there that are a wealth of information. They will be able to answer any questions that you may have. They will also be able to help you get back on the right financial track.myths

If you do not want to go see a financial advisor there are other resources that you can use to get the help that you need. There are many websites that have tons of articles on different articles on different parts of finances. There are also finance magazines out. You may have to go to a book store with a huge variety of magazines.

You need to make sure that you are keeping retirement plan on the top of your to do list. You need to make sure that you are doing everything that you need to do to prepare for retirement. Retirement savings are a big deal and you need to make sure that you stay on top of it.

You need to do what you can to get out of debt. Ladies you most likely have been told this time and time again, try paying off the debts with highest interest rates. This will help you to save money on the amount of interest you have to pay. Do this with all of your bills in order from largest interest rate to lowest interest rate.

Ladies, does your employer offer retirement plans? This is something that you need to know. If they do how much will they match percentage wise on your contributions? That is also something that you need to know, because you should be contributing at minimum the amount that is their maximum contribution. This will help you to build up your retirement savings quicker.

No matter what you need to be in charge of your finances. Know what is going on and how to work with your budget and how to manage your money. Even if you are not the one in the family who regularly handles the finances you need to make sure that you take charge and know how to do what needs done.

Ladies, the financial world can sometimes be confusing and overwhelming. This does not have to be the case. You can learn how to make your finances work for you. It does not have to be a difficult thing to do to stay on top of your finances.

Some Money Mistakes That Women Make

Let’s face it ladies, we all make mistakes at some point or another. Sometimes these mistakes are money mistakes. Here are some of the more common money mistakes women make and why they are mistakes. Hopefully if you see one that you do make you will learn how to change it.

Too many women leave the finances to their boyfriend or husband. This is such a bad idea. You have to know how to handle the finances in your family even if you are not the one who regularly deals with it. Why is this so important? No one wants to think about a relationship that they are in ending, but it happens. If you let your husband or boyfriend take care of all of the finances and suddenly the relationship is over, what are you going to do? You may not know how to take over the role as the person who handles the finances. So make sure that if you are not the one handling the finances in your home that you learn how to do it just in case. It is a skill that you will never know when you will need it.

This may sound harsh but another mistake many women make is to save for their child’s college fund before saving for retirement. Why is this bad? You may end up being able to pay for your child’s college but then you do not have enough money left for retirement. If you save for retirement first, to make sure that you will have enough money, you may not have enough to pay for all of your child’s college. That is okay though; there are scholarships and grants available to students. Many students even work full or part time to help pay for their education. Nothing else your child can get student loans.

insurance broker

Ladies most of us make our children our beneficiaries for our life insurance. How much do you know about your life insurance policy though? Leaving your child as a beneficiary as a minor is a big mistake. Most of the life insurance companies out there will not pay out to minors. Instead you should have someone of age be your beneficiary with the understanding that they use that money to care for your children. Then when your children become of age, you can change the beneficiaries to be them, but not until they are eighteen years old.

Most women feel that having a will is enough. These women are wrong though, this is another money mistake that women make. If you were to get into a car accident and are incapacitated who will pay your bills? If you have a spouse you may just assume that they will. What if they are in the accident with you? What if you live longer than your spouse or your relationship ends? This is why in addition to having a will you also need a trust with an incapacitated clause so someone has access to your bank account to pay your bills.

Yet another money mistake that women make is that they have the wrong life insurance. Talk with your insurance provider. Make an appointment to talk to someone to find out what is the right policy for you. Everyone is different, and everyone’s situation is different, which means that you need to take the time to make sure that you are getting the right insurance for you.

The inability to say no is another money mistake that women make. You have to be able to say no if something is not worth the money that it costs or if you truly cannot afford it. Many times children want very expensive clothing; do they need something that costs so much? The answer should be no. Learn to say no in different situations and you will be able to save a lot of money.

There are many money mistakes that women make. There are ways to change that though. The changes do not need to be difficult though. If you need help, get it, there is nothing wrong with needing some help now and then. Take charge of your financial future and you will be glad that you did ladies.

Ways Women Can Save a Little Extra Money

All of us women are looking for ways we can save a little a little money here and there. There are in fact many ways that we can save money all around us, if we look for them. Here are some tips to help you to find those ways. Some you may have heard before, others may be new to you, but all can help.

Stop buying paper towels for your kitchen. First by not using them you are helping the environment. Second it will save you a lot of money by not buying them. Instead use cloth towels that you can throw into the wash. This is so much more economical than using those paper towels that you use once and throw away.

Paper towel roll on stand

Are you one who enjoys reading? Buying books can really add up. Instead try having your friends join you in a book swap. Swap books that you have and have already read with those that your friends own and have already ready. You can also go to the library and rent books without having to pay unless you return it late. Consignments stores usually have good deals on books. So if you do want to buy one that would be a good place to get it. Then when you are done with it you can sell it back.

Do you regularly go out to eat for lunch? This adds up much faster than you think. You pay for the food, a drink, and you cannot forget to tip appropriately. Taking your lunch to work will help you save a lot of money every week, month, and year. Not only does this help you to save money, but it also helps you control what you are eating and the amount. This can be a great healthy option.

Buy in bulk when it makes sense. There are many items in your home and pantry that either will not got bad such as facial tissues, and stuff that takes a long time to go bad such as canned food items. Buying in bulk lowers the price per unit of anything that you buy. This works for food items and for nonfood household items.

If you spend some time looking around your home you will probably find many more ways that you can save money on the things that you do every day. Ladies you have the ability to save money on everyday things. This saving could help you to build your retirement funds or an emergency fund, or even help you to save for anything that you are wanting to purchase. These are small changes you can make that will save you money.

Ways in Which Women Can Spend Less, Save More, and Invest Wisely

Women need to make sure that they are in charge of their own finances. It is not anyone else’s responsibility. Here are some ways that women can spend less money in order to save more money and to invest their money wisely.

Ladies you need to understand your finances. What do I mean by that? You need to understand how much money you have coming in, where it is going and how much of it is going out. If you are not the one in your home who manages the finances you need to make sure that your husband goes over all the finances with you so that you completely understand it all in the even that you have to take over handling the finances.

Financing

The earlier you start preparing for retirement the better. This means more than saving though. You need to make sure that you can live on a limited income. When you are retired you do not usually have the same income that you have when you are still working. Try living on a limited budget, one that you would be living on when retired. This will show you that you can live on less and this will give you more money to save for retirement.

Do not rush into any decisions about money ladies. Just because there is a good sale at your favorite store does not mean you need to go spend a lot of money there. All financial decisions should be carefully considered before you make them. You should take the time to talk them over with your husband so that you will both be on the same page. If you do not it can lead to more stress in the family, work together and you will be glad that you did.

Ladies I am sure you have heard time and again to invest your money. You should be investing, but what do you do if you do not know anything about investing? There are many websites that can help walk you through the process. There are also professionals who are there solely to help you make investment decisions. Take your time and make sure you understand everything. If you are working with a professional make sure that you ask a lot of questions, they have a lot of information and can help you out a lot.

Ladies the last tip I have for you is to be honest about your spending habits. Do not try to hide your spending habits from your husband. This can cause more trouble down the road. Be honest and if you and your husband talk about it and decide you need to change your habits, then do what you can to change them. Talk with your husband and compromise with him, it will be worth it.

More and more women are becoming financially savvy these days and you can be one of them. You can be a financially savvy and financially independent woman. You do not know what will happen in the future and you want to make sure you can take care of yourself financially.

Financial Tips for Women Going Through a Divorce

No matter how you look at it ladies, divorce is a difficult thing both financially and emotionally. You have to start your finances all over all on your own. This is harder for some women than it is for others. For those who need some tips to make it through the transition, here are some.

You are solely in charge of your finances at this point ladies so you need to make sure that you are taking control. Take the time to gather up all your bills and other expenses for the month. You need to compare the amount of all your expenses for the month to what you will be earning now that you have a single income.

Divorce Ring

Research different divorce methods, you may find that going to court is not for you. Divorce is rather expensive so if you can find a way that will work for you that will also help you to save money, you should do it. There are ways to finalize a divorce without going to court. If you do go to court you will end up paying much more in lawyer fees. If you and your soon to be ex-husband can agree on things you can do it all out of court.

Make sure that any joint bank accounts you have with your soon to be ex are split up. Split the money that are in the accounts between you and your ex and close the account. Then you can open a new account if you need to, or you can just put that money into an account that you already have whether it is at the same bank or a different one.

Most experts say that when a woman goes through a divorce they need to make sure that they have at least one credit card in their name only. This will give you access to credit without your ex being involved in any way. In addition to this you need to make sure that you close any credit card accounts you have open with your ex-husband. This may mean that you have to fully pay off your balance first, but you need to do it as soon as you possibly can.

Ladies, now that you are on your own you need to create a budget solely for you. This will help you to track your income and where your money is going. This is the best way to help you stay out of debt. If you are able to see where your money is going, you may have a better chance to save more.

When you go through a divorce there are a lot of things you need to be thinking about. Make your finances one of those things that you are thinking about during the divorce ladies. You are now going to have only one income therefore you may need to be more careful with your money. That is okay, it may take some time to get into the swing of things but it will come soon enough.

Financial Rules of Moving In With Your Significant Other

When you and your significant other decide to move in together it is a big step. There are many things you are thinking about; among those things should be your finances. When it comes to the finances of moving in with your significant other, there are many things that you should be thinking about and taking into consideration prior to making the actual move.

The first thing that should be decided on is if you are going to be renting or buying. This will make a big difference. If you are going to be renting you will have a different set of decisions to make than the decisions that you will make if you are buying a home. This is going to be your first decision.

If you are renting you will need to decide whose name will be on the lease. Will just one person’s name e on the lease or both of your names? Having your name on the lease brings with it legal responsibilities and the right to stay there should you and your significant other break up. If you both have your name on the lease and you break up then things will be different than if only one of you has your name on the lease.

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If you are going to buy a home you must then decide if you are going to put just one person’s name on the title of the home or if both people will have their names on the title. You must also decide if only one person will have their name on the debt for the home or if both of you will have your name on the debt for the home. Again, this does have a lot to do with what will happen should the relationship come to an end.

When you move in together, the bills will be shared by the both of you. This means that you should create a household budget. This will make sure that you are able to put money together to make sure that your bills will be paid on time every month. The responsibility of paying bills is no longer just on you and you must be able to rely on your significant other for their half of the bill money.

When it comes to money and bills that affect both you and your significant other you need to make sure that you and your significant other are communicating. Money and finances are often the cause of problems in relationships and if you do not want that to happen to you and your relationship you need to make sure that you are able to communicate about money and bills with your significant other.

All of these are things that should be addressed prior to actually moving in with your significant other. Once the topic of moving in together has been brought up and you both agree that you would like to, you should then begin having these conversations before you even begin to start looking for a place. If one of you is planning on moving into the other person’s place then before you start packing your boxes, have these conversations so you can start your lives together in the same home on the right financial foot.

Women and Their Money

When it comes to money women need to be able to handle their own.  They should know what they have coming in and what they have going out.  Being in charge of their money empowers women and can give them not just financial independence, but independence in general as well.

Women should never rely on someone to take care of them financially.  Some women think that this is okay, but if you think about it your financial future really is up in the air.  What if something happens to the person who is taking care of you financially, or what if something happens between the two of you?  You could lose everything and since you have not been taking care of finances yourself, you may not know what you are doing and end up in a lot of financial trouble.
Ladies, if you are in a relationship and your man does not pay his fair share then you need to reconsider your relationship.  Do you always want to be paying his way?  There is a good chance that he is not going to change anytime soon and maybe not even farther done the road.  It is not a good idea to stay with someone who will bring you down financially.  You have to worry about your own finances and if someone is bringing your finances down, it will make that much, much harder.
You should embrace frugal living; even if that means you have to cut back on shopping.  Most women love to shop, but when you are watching your own finances you must watch what you spend.  Having a budget will help you with this.  Find new ways that you can save money in your everyday life.  Challenge your friends to come up with new ways to save money.
Even if you are married you should still be involved with the finances.  Many women will allow their husband to take care of the finances while they take care of other things.  This is not a good idea.  In the event that something were to happen to the marriage or to their spouse, most women would then not be able to handle the family finances as they do not know how they were handled before.
Women, you should always know what is going on in the world of your finances.  It does not matter if you are single, married, have children, or no children.  There is no excuse to not know what is going on.  If you need help understanding your finances or getting them under control there are professionals out there that you can turn to for help.  You can even turn to loved ones for help if you are comfortable doing that.  Women need to be in control of their finances and never let anyone come between them and their money.

Ways Women Can Avoid Being Ripped Off By the Plumber

Ways Women Can Avoid Being Ripped Off By a PlumberIt happens every day all across the country; women are being ripped off by the plumber who is supposed to be there to help them. Women, do not feel helpless. There are things that you can do to help keep you from being ripped off by the plumber that you have come help fix the problem.

The first thing that you need to do is to know what the problem is. You need to know not just what the general problem is, but you need to get as specific as possible. The more you know the better off you will be. You can always do research on the issue at hand and gain information. This will allow you to understand what it is that the plumber is saying to you and if they try to tell you that you need something that you really do not need you may be able to pick up on it.

You should always shop around for a plumber. Not just for one who has a good price but for one who has a good reputation as well. Check out the websites of different plumbers. Many of these companies will put some of the reviews that they have received on their website. Be careful though, if the review was not good it may not have made it up to the website. Look for websites that offer nonbiased reviews so you can get an honest opinion on the various plumbers in your area.

Plumbing

Plumbing (Photo credit: zcutlip99)

When you do have a plumber come out ladies remember that they are most likely going to assume that you do not know much if anything. You should ask a lot of questions; this will indicate to them that you are interested in what is going on. The more you ask the more you will know, and the more you will be able to get online and be able to verify. The plumber should hopefully understand that the more that they tell you the more likely they will be caught trying to rip you off.

One last thing to think about is the fact that you do not know the man that is coming into your home to work on your plumbing. This man could be a good law abiding citizen, or he could have a criminal background. The fact is that you do not know. He may not want to rip you off through his job; instead he may steal some of your valuables. It is a good idea ladies, to keep an eye on him while he is in your home.

The sad truth is that long gone are the days you can trust the people coming to your home to do repair work. Now you have to question everyone’s motives. It is easier to just not give someone the chance to rip you off. Prepare yourself and you will be much less likely to be ripped off the next time you have to call a plumber out to your home.