Balance Debt Repayment with Savings

March 22, 2012 Credit Cards

I get asked all the time for advice on credit card debt.  We all know that credit card debt is the enemy of a monthly budget. Your money has better things to do than paying down finance charges and interest.  But, if you are currently in debt, then you need to do something about it. [...]

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Less Junk Mail Equals Less Spending?

March 16, 2012 Organizing Your Space

Having trouble controlling your spending?  Try something new – control your mail! You heard me. Control your mail. For the past five years, I have worked extremely hard to get off advertisement mailing lists. My mailbox is no longer stuffed with unwanted fliers and catalogs. Oh, I still get catalogs and fliers, but only from my favorite [...]

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You may have a savings bond and not know it

March 12, 2012 Banking

Have you ever received a savings bond as a gift? In my family, that was what you received as a gift for most birthdays and holidays. My parents always gave savings bonds even to their grandchildren. It was a big thing in my family. The US Treasury began issuing saving bonds back in the 30’s.  [...]

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Double Your Savings with Matching Funds

March 2, 2012 Banking

I get this question all the time: “How can I make my money grow faster?” I’m not an investment broker, so I can’t give you advice on buying stocks or bonds. And, personal savings accounts don’t pay as much interest as they used to, so I can’t help you there either. But, there are two [...]

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Reliable Tax Preparation for Budget-Challenged Families

February 17, 2012 Taxes

Yes, it’s that time of year again – tax time! If money is tight, you may be hoping for a refund. But, like many people, you probably have to use part of your refund to pay for having your taxes done. But, what if you didn’t have to pay a tax preparer? If you have [...]

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Tips for reducing car insurance costs

February 13, 2012 Reducing Expenses

While you’re doing your taxes this month, you can be assessing your finances and looking for ways to save. Here are some tips that might save you money on your car insurance: Most insurance companies will offer a discount for multiple policies, so try to have all your insurance policies with one company. Consider a [...]

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February is a great time to work on clutter

February 9, 2012 Organizing Your Space

The holidays are long over and the new year is here. It’s time to clear clutter and get organized!  With tax season underway, you can start shredding papers. If you’ve gotten your W-2 for income tax purposes, you can shred your paystubs for the year.  Make sure the W-2 matches your final paystub. If your [...]

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Maybe you CAN refinance

February 3, 2012 Mortgage Tips

Are you tired of hearing about low mortgage interest rates?  You’re not alone. Many of us don’t have enough equity in our homes to refinance – thanks to falling home prices. Homeowners who are underwater need rate reductions more than anyone, but they’re finding it difficult to get them. If you have a FNMA (Fannie [...]

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2012: Wishes, Goals, and Plans

January 20, 2012 Financial Goals
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Make this year count – Free Audio!

January 13, 2012 Personal Note from Jill

Free Audio available from Jill Russo Foster This year could be different! Do you want to know where your money is going? Do you want to make changes so that you can save more for fun things in your life, pay off your debt, plan for your retirement, or your children’s education? Do you want [...]

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