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How To Cut Back On Dry Cleaning Dry-cleaning isn’t the only way to safely clean garments labeled dry clean only, and other methods might even do a better job. But it can be tricky to figure out when to dry-clean and when to hand- or machine-wash. [CR]
Our sister publication Consumer Reports knows that you’d like to trim your baby budget without risking the safety of said baby, so they’ve put together 3 tips that will help you do just that.
We spent yesterday at Finovate, a yearly roundup of new personal finance services available online. Here’s a recap of some of the afternoon presentations, including a mortgage comparison service that promises greater transparency, a new credit simulator feature from Credit Karma, and a site that uses reverse auctions to get banks to bid on your money.
Round 2 of the Finovate presentations includes online financial planning, the “match.com” of stocks, and Facebook banking. Let’s dive in and find out what they’re all about:
I’ve been dispatched by our cigar-chomping editors to midtown NYC to check out the 14 new personal finance software apps getting demoed at Finovate 2008. I’ll be reporting here and letting you know about the latest tools from the frontlines of the personal finance revolution.
On The Money’s budget calculator makes it easy to determine how much you should be spending across the seven categories that make up any responsible budget. Regardless of income, tracking and limiting your overall spending is a foolproof strategy for keeping your accounts in the black. Though the percents will vary according to geography and personal situation, On The Money’s calculator gives you a quick glance at concrete spending targets that you can compare against your credit card bills and bank statements. Give it a try and tell us in the comments what other tools you use to control your spending.
Think you’d do a better job at balancing the budget than Presidential Candidate X or Presidential Candidate Y? Now you can! American Public Media has put together the world’s most depressing game. You are asked to meet certain goals (you decide what they are, so you can choose to be either candidate, or a treehugger, or a socialist, or a libertarian, or a pr person for Walmart, whatever it is that you actually are) by playing different budget-affecting cards (Example: You can end “No Child Left Behind” and save $110 B.)
BusinessWeek has put together one of those accursed slideshows of 25 ways to save money, and while a lot of them are things you’ve heard before (use credit cards wisely! buy generic or used!), there are a few less common tips that you might not have considered. Here are four that caught our attention.
On a tight budget and using equal parts willpower and behavior self-modification? Stay away from the cookie places in the mall. The September 2008 issue of ShopSmart says studies show that even just catching a whiff of your favorite treat can increase your urge to splurge.
Almost everyone is looking for ways to save money but they often overlook making cutbacks in areas they consider necessities. It may seem reasonable to do so until you consider that some of these necessities may not be necessary at all. An article by Bankrate.com suggests that if you take a serious look at some of these so-called necessities you may find more savings than you thought possible, therefore, they have put together a list of 12 common “necessities” which could be draining your cash. The list, inside…
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Wal-Mart has launched a personal finance website at walmart.com/savemore. It offers tips and saving advice, while also pushing Wal-Mart’s own money services and weekly specials. [Wal-Mart]
Trent at The Simple Dollar blog has a post about how to say no, especially to charitable requests. One of his readers describes the problem:
CNN asks some money experts for tips on how to teach kids about personal finance. Laura Levine, the executive director of Jump$tart Coalition for Personal Financial Literacy, says she uses a special piggy bank for her 3-year-old son—it has four chambers, “one for saving, one for spending, one for donating and one for investing,” and helps teach him that money is not just for “one thing.”
Kiplinger tries to help you save money on your next airline “flight”—we have to put quotation marks around that word now, since the prospect of actually getting up in the air seems purely hypothetical at this point—with their latest travel article. A lot of the advice boils down to, “Find out what each airline charges extra for, then choose a different airline,” but it’s helpful to have everything in one article for a quick reference.
Henry Alford of the New York Times writes that sometimes he will “plop a can of chicken broth down on the checkout counter and think, ‘$2.19? For someone to boil chicken bones? I want that job,'” so he decided to try going a week with food from 99 cent stores in New York City.
For the ultimate in pricing transparency when shopping for groceries, use a price book. Frugal bloggers everywhere write about it like it’s the GTD of grocery shopping, and our own reader marsneedsrabbits suggested it in a thread earlier this week:
The solution to all this is a price book. It costs whatever a cheap notebook costs you, and saves a surprising amount of money and starts saving you money immediately.
If you’re detail oriented and ready to start cutting costs at the supermarket, here’s more info along with links to downloadable forms, spreadsheets (for those spreadsheet junkies), and advice.
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Laundry detergent is expensive. One “debt free” blogger has taken the time to mark up a detergent cap to show you how much product you’re probably wasting with every load. [No Credit Needed] (Thanks to J.C.!)
RacerX at “Life, Liberty and the Pursuit of Money” has posted the 6 ways he and his wife save money when they go out to eat. Following all of them would make for a noticeably different experience at your favorite restaurant—perhaps more than you’d like. But even adopting a couple of these tips could knock 10% or more off your next fancy meal with the significant other.
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