Personal Finances

9 Brilliant & Cheap Ways to Stay Warm This Winter

Woman sitting by a fireplace with a cup of coffeeIt’s going to be a “teeth-chattering” cold winter with plenty of snow, according to The Farmer’s Almanac – even in the Southeast! If you think your only option for staying warm in winter is to crank the thermostat on your heating system, think again. We’re here to share the most creative ways to stay warm in the winter without feeling the heat on your electricity bill.Read Story

Healthy Spending Habits to Avoid Holiday Stress

Woman doing Christmas shopping

Whether you feel obligated to buy for every distant family member, or you can’t resist the pull of once-a-year-only sales, overspending is not uncommon during the holidays. The sights, smells, and overall jolliness come together in a chorus of, “Tis the season to splurge!” According to results from a 2017 poll by American Consumer Credit Counseling, 63 percent of people reported feeling “a lot” or “some” financial strain over holiday shopping.

This year, follow these tips to help curb the urge to overspend and instead enjoy the season without the stress. 

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10 Restaurant Apps to Download for Free Food

Iphone with doughnuts and computer

With all of the ways our mobile devices have made life easier, perhaps the best is the endless options of apps. Whether you’re hailing rides, sharing photos, playing games, managing your money, tracking miles, or managing your RAC account, there’s an app for that.

Although useful (like finding your car in the parking lot) and fun (scoring a personal best in Candy Crush), most apps don’t provide anything you can actually hold in your hands — until now. From ice cream and hamburgers to slushies and smoothies, the following apps (available for iOS and Android) prove there is such a thing as a free lunch.

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20 New Ways to Save Money This Year

Mom and girl with a piggy bank

How much money do you have in savings? Most of us would sleep better knowing we had some surplus we could rely on in case of an emergency — like a sick pet or a flat tire.

Most experts recommend having the equivalent of your salary saved by age 30, and 10 times your final salary in savings in order to retire by age 67. But finding extra cash to stash can be a challenge. Here are 20 ways to save money that you probably haven’t tried.

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Score Big: Why Having Good Credit Matters

Woman checking off her credit score

If you own a credit card, chances are the interest rate attached to it is in the double digits. And if you have a balance, then you’re paying much more than the actual cost of the items. Over time, the balance grows, and if you miss payments or get behind, the impact can be harmful to your purchasing power.

Here are some of the most common ways your credit score affects your financial health, plus easy tips for improving that number.

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