How to Handle Finances When A Spouse Is Unemployed

These days, it is hard to survive on a single household income. Therefore, you may need to get creative when a spouse is unemployed. In addition to considering how to make up for a lost paycheck, it may also be necessary to make arrangements to find health care until he or she is able to […]

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5 Ways to Save on Kids’ Clothes

The following post is from Melissa Batai A kid’s job, it seems, is to grow as fast as possible.  Any parent of an infant can attest to that when the sweet baby fits in size 0 to 3 months for four weeks before zooming on to the next size.  Luckily, if you want to save […]

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Have an Exit Strategy for Adult Children to Fly the Nest

The following post is from Melissa Batai Grace was enjoying retirement and living alone when her adult child, Kathy, and her husband and two children found out they would have to leave the rented house they had lived in for years because the owner was selling and moving out of state.  Kathy and her family […]

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A Five Step Holiday Overspending Recovery Plan

The following post is from Melissa Batai Holiday overspending happens to the best of us.  Maybe we’re swayed by great sale prices, so we buy more than we need.  Maybe someone else lavishes us with gifts, so we feel the need to reciprocate.  Maybe we feel pressure to give gifts to all the service people […]

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How to Benefit from Credit Cards While Controlling Your Spending

The following post is from Melissa Batai There seem to be two camps when it comes to credit card use and budgeting.  One group says the best way to get your finances and budget under control is to simply quit using credit cards.  Cut them up, and go back to using all cash and the […]

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Selling Your House in Retirement: A Smart Financial Move

The following post is from Melissa Batai After my grandfather died, my grandmother moved into a retirement community.  She had her own little kitchen, a dining room, living room, and a bedroom.  There were plenty of activities that she could join like bus trips for shopping, weekly card games, and talent shows.  For someone who […]

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Trading with XTrade & Other Brokers May Be Your Path to Success

If you are like most of us, you work a regular day job. Every day from 9 to 5 you work a job to make a profit for your boss or the company that employs you. While you may not hate your job, it is probably not the most fun part of your life. Most […]

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Should You Move in With Relatives to Save Money?

The following post is from Melissa Batai When I graduated from college, I moved back in with my mom for 2.5 years.  During that time, I worked a fairly low paying job (getting a good paying job with an English B.A. is difficult!) and put any and all extra money onto my student loans.  I […]

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Try This Painless Method for Boosting Your Retirement Savings

According to a recent survey conducted by GoBankingRates, 56% of Americans have less than $10,000 saved for retirement. We face many obstacles in saving for retirement, including student debt, credit card debt, low wages, and high housing costs, so it’s no surprise that most Americans struggle with the idea of a smaller paycheck today in […]

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Debt vs. Life

The following post is from Melissa Batai “It’s always sobering to know someone you went to high school with has died.” So began my friend’s Facebook update.  That was how I discovered another one of our classmates had died.  Now that I’m in my 40s, this is happening more often than I had expected.  When […]

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