Posts from — November 2006

With the holidays fast approaching I thought it would be a good time to look at gift giving in a financially smart way. Many people spend hundreds and even thousands of dollars on Christmas gifts. Once you buy for the family, your friends, your coworkers, and your boss you’re probably about broke. Well here are my top 6 ideas to help you save some cash over the next couple of months.

1. Recycle gifts – Have several ‘Dirty Santa’ parties to go to? Take the gift that you received at one to the next party.
2. Draw names – Instead of buying for all 44 of your relatives, try getting the family to draw names. Instead of buying for dozens of people, you only have to buy for a few.
3. Hit the sales – This is sort of a ‘no brainer’ but look for Christmas sales. If you don’t mind getting up at 4am, there are always incredible sales the day after Thanksgiving. Or, for the smaller presents, you can usually find Christmas baskets and other small gifts on sale somewhere as December 25th draws near. [Read more →]

Of all the things that people think of when it comes to finances, debt it usually near the top of the list. Many people dream and aspire to get out of debt. There are many strategies for getting out of debt. Many financial gurus have their own “key” to becoming debt free. I’ve read a lot of books and I’ve been to a lot of seminars on finances and I like the plan made popular by Dave Ramsey the most. Dave has a plan called the debt snowball. The debt snowball is a very simple plan that anyone can follow.

There are 3 simple steps:

[Read more →]

.Check out the Carnival of Personal Finance. There are some great articles on there. If you have the time take a look around.