Holiday shopping doesn’t have to come with a spending hangover. With a little planning, you can fill up the stockings without busting your budget. Courtesy Big D2112 Here are 5 holiday shopping tips to help you save this season. Tip #1: Shop Early — Or Don’t Have you ever suspected that Black Friday sales just aren’t that good? Well, so did The Wall Street Journal. As it turns out, gifts like kitchen gadgets and home goods tend to get less expensive as the season wears on. However, don’t hold out for a better deal if your list includes the “it toy” of the season. You might wind up paying two to three times more than you should. As for electronics under the tree or jewelry in the stocking, lace up
Financial freedom–it’s letting your money work so that you don’t have to. But, unless you were born into it, you’ll have to work for it. This New Year, make a fresh start on your road to financial freedom with these 5 resolutions. Courtesy of Tax Credits 1. Use the ‘B’ Word Budget. It is the first and most important step toward financial freedom. Create reasonable goals for your household spending and savings. Then, you need to stick to them. You do not have to do this alone. There are budgeting apps and programs and even live human beings who can help. 2. Pay Down Your Debt According to the U.S. Census, nearly 70% of us were in debt in 2011. Our median unsecured debt, like our credit cards, was $7,000.
Winterizing your home involves more than turning on the heat. Follow these five tips ensure your home is safe and warm this season. Courtesy John M Tip #1: Seal Air Leaks First, locate air leaks by doing a home energy audit. You can do this yourself or hire a professional. There are government programs to help defray the costs. To DIY, walk all around the inside and outside of your house. It helps to have a partner. Look for obvious cracks or gaps. Check windows, doors, and anywhere two surfaces meet for air leaks. Have one person stand outside with a fan or hair dryer while the other stands inside holding a candle. If the flame flickers, you’ve found the source of a draft. Here are some options for fixing