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myMoneyTree
Where Money Really Does Grow on Trees

A lot of you probably received gift cards over the Holidays and might need some help making sure you get every penny of your gift. Here are a few tips you may want to consider to get the most out of your present.

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Gas prices are always jumping higher and higher! This isn’t helping anyone’s wallets, especially with current state of the economy. Here are five simple tips to help you save money on gas!

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These days people are more inclined to be more aware when it comes to their income and expenses. A recent Federal Trade Commission survey found that in 1 year, a total of 8.3 million Americans found that they were victims of Identity Theft. Not only is that lost money rarely recoverable, but there is also a dollar amount that can be attributed to the time spent re-establishing your identity with the Police, credit card companies, and other accounts. Another issue is that 56% of the victims don’t know how the information was stolen. Enrollment is some type of Identity Theft Protection program is a good way to help you. These companies monitor your credit for activity and monitor your social security number and other personal information on the Internet. It may not prevent identity theft from happening, but they can identify that it happened quickly and more important, help to re-establish your good name.

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I like setting New Years resolutions as a way to focus on achieving things that are important to me. Last year I set a new years goal to lose five pounds by the end of the year. I failed but will try again this year. I seem to do better when it comes to setting financial goals. Last year I dropped my $50 per month health club membership in favor of walking and a new exercise routine that my doctor gave me that costs nothing. That is $600 a year I did not need to spend. Let me know if you want the details and I will post the routine.

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With the holiday frenzy finally off your back, you find that the New Year is right around the corner. If you are planning to host a New Year’s party this year be sure to keep a budget in mind. Here are some quick and easy tips that will enable you to throw a great New Year’s party without emptying your wallet.

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When you leave your laptop plugged in 24/7 it will continue to draw power even if the battery is full. That is a waste of energy and money. It also affects the capacity level of the battery potentially costing a new battery. The solution is to take the battery out while the laptop is plugged into an outlet. It will save a few bucks a month on your electric bill, and potentially $100 for a new battery.

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The holidays are certainly one of those times when we need to implement as many money-saving tips as we can; so that we can spend less and enjoy the true meaning of Christmas! Here are 20 easy to follow tips to ensure you don’t break the bank this holiday season.

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I have chosen a gas card as the first step on My Credit Journey. If you missed that post, it is my 6 month journey to build up credit and get accepted for a decent rewards credit card; after being rejected twice. As a recent college graduate with no credit history, I am looking to build up my credit to help get lower interest rates for big purchases that might be around the corner for me (car, house, etc.). I have identified a gas card as a good opportunity to start building credit.

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Food is an expensive and is essential to our everyday lives. Here are some helpful tips on how to cut down those expenses.

1. Make lunch and bring it to work! Simple “brown bag” lunches are sandwiches, soups, and salads. You can even bring leftovers from last nights’ dinner. The average person spends anywhere from 5-10 dollars a day on a “fast food” lunch. If you packed your lunch every week day you could save an estimated $1,680 per year!

   

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Toyota unveiled their Prius PHV plug in hybrid. This car can be charged up and drive 14 miles on only that charge before using it’s engine. That would make short commutes truly 0 emmission. Imagine going to the grocery store using 0 fuel in an affordable, practical vehicle. I know for me most of my trips are less then 5 miles round trip. What’s next from Toyota, or other car manufacturers?

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