Solutions to Banking Problems Caused by the Bank!

I’m having problems with my bank – primarily with the bill pay system.  I’m not sure what’s going on, but since we moved a year-and-a-half ago, we’ve had at least six issues with on-line banking. The first two issues were with the sewer department in our podunk little town.  The sewer department isn’t automated so the bill pay system has to mail the checks.  Unfortunately, one time the sewer … [Read more...]

Save $ With Wal-mart Savings Catcher

Thank you to blog reader, Teresa, who told me about the Walmart Savings Catcher program.  I had heard it mentioned but never took the time to find out what it was. Teresa noticed a Wal-mart receipt in one of my posts and told me about the program.  Thank you, thank you, thank you, Teresa!  I would never have checked it out if you hadn’t told me about it. And in case any of you other Walmart … [Read more...]

An Easy Way to Gather Tax Information

It’s tax time!  Unfortunately that means a lot of work for most of us as we gather our tax information and actually do our taxes. But it doesn’t have to be a chore.  Years ago I discovered a method for gathering tax information that has worked really, really well for me.  It’s simple and effective – almost effortless. All you need is a file folder.  Label the tab with the tax year.  On the … [Read more...]

6 Ways to Save Money at the Grocery Store

Groceries are expensive!  Really expensive!!!  So anything we can do to save money is a good thing. Besides the normal techniques of shopping sales, using coupons, buying generics – there are a few other things that can make a big difference, too. Shop alone. We all know we spend more money when we take kids or spouses. Shop with someone. I know this is in direct contradiction to what … [Read more...]

Credit Card Expiration Dates Affect Automatic Bill Payments

Most of us have at least one or two bills that are paid automatically using a debit card or credit card.  I have two.  And I always forget that the expiration date matters. Fortunately one of the bills I pay, my health insurance, is very good about sending me a reminder when my card is about to expire.  The letter even has a form for me to complete with the new information.  But the other bill … [Read more...]

6 Tips to Make Product Returns Easier

Have you ever purchased something only to find that it didn’t work out? Maybe it was too big, too small, broken or just the wrong item.  Returning the item can be easy or a nightmare. I’ve returned a lot of things over the years and I’ve learned how to do it so it’s fairly painless.  Here are my best tips: 1.      Keep the receipt.  Some places don’t require that you have a receipt, but it’s … [Read more...]

Reverse Budgeting

Everybody agrees that budgeting yields BIG results.  But that’s only IF you can stay on your budget. I’ll admit that I’m a bit of a spender.  And I do have a budget but I’m very creative at finding ways around it.  Yes, I know.  That defeats the purpose.  But the truth is, even when I fudge a little, I still do better than if I didn’t have one at all. But that’s not the point of this post.  … [Read more...]