If you spent so much money over the holidays that you’re dreading opening your mailbox you just might have a problem.  But, just like taking off those extra 5-10 pounds you may have gained, the best thing to do is deal with it promptly.  Maybe we should titlethis column Holiday Debt Recovery!

If you overspent during the holidays here are 5 steps to help you get back on track quickly…

Step 1: Assess the Damage

Step 2: Temporary Cutbacks

Step 3: Make a Plan

Step 4: Get it Over With Quickly

Step 5: Prepare for the Next Holiday

with that you can manage your debt for your holiday. Happy new year

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Like most people in the United States you probably work a 40 hour a week job. The job that pays your salary, pays your bills, pays for your insurance coverage, and pays for a little vacation or fun with any monies which may remain.

But is there a way to save money to, from, and while you work? You bet! There are many ways you can and should save money while you are earning a living.

Make your own coffee - Are you addicted to Starbucks? Take a moment to consider just how much that one double tall non-fat vanilla shot-in-the-dark latte costs you over time. At an average coffee cafe one commonly spends $3.75 plus tip (you do leave a tip for your Barista, don’t you?), you’re spending upwards of $5 per day, or $25 per week, for that caffeine boost at your desk or workstation. And just for consideration you actually take your two weeks vacation, plus the typical 10 days of holiday, that’s 48 weeks of work. Times $25… (let’s see, carry the one…) WOW! That’s $1,200 per year that you spend on a cup of coffee each day! Read the rest of this entry �

Most of us do not plan to work for a living past retirement age. But without a good retirement savings plan you may be headed for a “retirement” that includes a lot of part time or even full time work.

Retirement savings is the least thing on the minds of young college grads who are just out into the work force and beginning to earn a living. But if they are wise and start right away, their retirement savings can compound into great wealth and a nice retirement nest egg.

But workers who are in their 30’s or 40’s and start planning their retirement savings have a lot of catching up to do. If you are in that age bracket and have just begun your retirement savings what can you do to boost that retirement nest egg so that you can enjoy your golden years? Read the rest of this entry �

No doubt you have a checking account. Do you remember the old days when we actually had to order printed checks, write out all the “pay to” details, shove the check in an envelope, lick a stamp, and mail it to pay all our bills. Well, the old days have changed into the Electronic Age, and no longer do we need the use of a printed check.

So how do we now pay for our bills? The Electronic Age has created electronic online banking for our use in paying bills and using money out of our checking account.

Although you can still use the antiquated method of bill paying with checks, using online banking allows you to pay your bills more easily, more quickly, and more cheaply from the same desk where you used to write out your checks each month.

What are the advantages of online banking? There are many. But the biggest ones are listed below:

Save money

Saving our money is what we would much rather do than paying it out to others. We could save money by not paying our bills, but the results would not be very favorable.

No, we must pay our bills. But how exactly do we save money by using online banking? Most banks offer a free online banking option. Check with your bank to see if they offer this great online banking service. If not, or if they charge a fee, consider switching banks to one with a free online banking option.

Paying bills online allows you to access your checking account through the internet and direct the bank to pay a vendor a certain amount. The bank will then either pay the vendor with an actual printed check and pay for the stamp, or pay by Automatic Clearinghouse (ACH) directly into the vendor’s bank account.

This online banking option save money on the cost of check printing, stamps and envelopes. That can add up to significant savings over a year considering you may pay $8.40 for a book of stamps each month, plus around $30 to $50 in check printing costs a year.

You also can save money by assuring your bills are paid on time with online banking. Lost mail or slow mail can cause your payments to be late. Late payments usually result in late fees and charges. Avoid those unnecessary charges by paying on time with online banking.

Save time

Is your time valuable? Of course it is. You would much rather spend your time with family or making money than paying bills. Online banking allows you to pay your bills in a much shorter time than paying manually by check. Once you have your vendors set up in your online checking database it is easy each month to simply check the vendor and enter the amount you wish to pay per their billing statement. Voila! Bill paid!

In addition, you will have the option of setting up recurring payments, like mortgage or rent payments, automatically through online banking. When you set up a vendor such as a mortgage company you can click a box for recurring payment option that will pay that vendor the same amount each month. You now are free from having to manually pay some of the same bills over and over each month.

Online banking offers a great way for you to keep track of your bills and pay them on time with less effort. By utilizing online banking you also save your valuable time and money. Take advantage of this banking option if you have not already.

source : http://www.moneyspud.com/articles/savings/36-savings/74-save-money-with-online-banking.html