Saving Tips: Credit and Building Credit

Savings Tips: Credit and Building Credit
tip #1  To improve your credit report appearance and before
applying for a loan, close accounts you don’t use, like old credit
cards, and make sure they are listed on your credit report as closed
at your request.

tip #2  It’s good to have at least three credit cards at all
times. Use one for clothing only, one for household expenses and keep one for
emergencies only. By keeping purchases separate, you can easily see
where your money.

tip #3  Pay off your credit card balance every month. This saves
you tons of money in interest charges.

tip #4  Pay attention to the interest rates. If you are
re-building your credit you can easily get a high interest rate card
from a variety of lenders. Pay your bill on time for one year. Then
apply for and get a new card with a lower rate. Then cancel your
high-rate card. 

Saving Tips: Cooking and Groceries

Savings Tips:  Cooking and Groceries
Tip #1  You will spend less on food if you shop with a list and never shop when your hungry.

Tip #2  Shopping during off peak hours not only saves time, but means less time standing near "compulsive purchase" merchandise near the checkout.

Tip #3  You can save hundreds of dollars a year by comparing price-per-ounce or other unit prices on shelf labels. Stock up on those items with low per-unit costs.

Tip #4  Cut coupons and
organize them by food group or in an expandable check file. Cut and
save only the ones you know you will use. Don’t buy something, simply
because you have a coupon for it.

Tip #5  Add ‘bulk cooking’ to
your vocabulary. Set aside one day per week and prepare meals for the
next seven days – place them in the freezer. This will shave 100’s of
dollars off your yearly food expenses. There will always be something
in the freezer to fix, so need to run out for fast food.

Tip #6  Watch the grocery clerk as they scan your items to avoid being over-charged and double check your bill before you leave. Incorrect pricing and
over charging is not uncommon.

Saving Tips: Computers

Savings Tips:  Computers
Tip #1  Seek out software and hardware auctions for
downsized companies, etc. are listed in local newspapers. You can pick
up hardware at a fraction of the cost of new. Also check out PC Buyer.com

Tip #2  Shop around. This is a very competitive industry. Don’t forget to check on support and repair capability. Savings are wasted if you have to spend a fortune for support.

Savings Tips: Budgeting

Savings Tips: Budgeting
Tip #1  Track your expenses and spending for two months. It will
reveal your money habits that need changing. Identify expenses you can
live without and use that money to pay off other bills faster or to
deposit into your savings account.


Tip #2  Pay yourself every month. Take this money from
your first monthly paycheck. Deposit into a separate bank account or
stuff it under your mattress. Don’t withdraw from this stash. Many
people will continue spending until all the money is gone. No matter
how much money comes in, some bill or new purchase will take it.
Raises and bonuses all seem to vanish without a trace. Live the rest
of the month on what is left – after you pay yourself.

Saving Tips: Beauty Care

Savings Tips:  Beauty Care and Supplies
Tip #1  To stretch your shampoo pour half
of bottle into empty bottle, and add water to fill both. You have
twice as much now, and it will work just the same.

Tip #2  For a homemade facial, mix dry
oatmeal and water into a paste and spread on face. Lie down and let it
dry. Wash off with warm water.

Tip #3  Keep body sprays and cold cream in
the refrigerator. They stay fresh and will last longer.

Tip #4  A good Toner/Astringent, use witch hazel instead.
No need to dilute, use full strength. Rinse with a splash of Apple
Cider Vinegar after cleansing as it balances out the ph of your skin.

Tip #5  Add a few drops
of baby oil to your bath water for a skin smoothing experience.

Saving Tips: Automobiles

Saving Tips: Automobiles
Tip #1  If you have significant savings earning a low interest rate, consider
making a large down payment or even paying for a car in cash. You can
save several thousand dollars in interest.

Tip #2  You
can save hundreds in interest by shopping around for a loan. All
financial institutions are not equal. Contact several banks, your
credit union, and the auto manufacturer’s own finance company.

Tip #3  Remove unnecessary heavy items
from your vehicle. An extra 100 lbs can reduce mileage by 1mpg. Avoid
top carriers. They increase wind resistance which decreases fuel
economy.

Tip #4  Talk to
your agent or insurer about raising your deductibles on collision and
comprehensive coverage to at least $500 or, if you have an old car,
dropping these coverage altogether. Taking these steps can save you
hundreds of dollars a year.

Tip #5  If you have been thinking of buying a used
convertible, keep in mind that actually buying it in rainy/snow season
is more cost effective than waiting for sunshine. It’s cheaper to buy
them when it’s raining because they have less market value then.

Tip #6  Check your tire pressure once a week. You can save a
lot of wear on your tires and a lot of gas by keeping the tires at the
right pressure.

Tips For Saving Money


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Department of Revenue

Here we have a helpful table of
each state
within the US, where you just click into your
particular state’s Department of Revenue website.

Use to obtain important tax
information and licensing requirement criteria, which varies by
state.

Click here to
locate Revenue agencies for countries, outside the USA.

USA BY State

Alabama Department of Revenue

Alaska Department of Revenue

Arizona Department of Revenue

Arkansas Department of Finance & Administration

California Franchise Tax Board

Colorado Department of Revenue

Connecticut Department of Revenue

Delaware Division of Revenue

District of Columbia Office of Chief Financial Officer

Florida Department of Revenue

Georgia Department of Revenue

Hawaii Department of Taxation

Idaho State Tax Commission

Illinois Department of Revenue

Indiana Department of Revenue

Iowa Department of Revenue and Finance

Kansas Department of Revenue

Kentucky Department of Revenue

Louisiana Department of Revenue and Taxation

Maine Bureau of Taxation

Maryland Controller of the Treasury

Massachusetts Department of Revenue

Michigan Department of the Treasury

Minnesota Department of Revenue

Mississippi State Tax Commission

Missouri Department of Revenue

Montana Department of Revenue

Nebraska Department of Revenue

Nevada Department of Taxation

New Hampshire Department of Revenue

New Jersey Division of Taxation

New Mexico Taxation and Revenue Department

New York State Department of Taxation and Finance

North Carolina Department of Revenue

North Dakota Office of State Tax Commissioner

Ohio Department of Taxation

Oklahoma Tax Division

Oregon Department of Revenue

Pennsylvania Department of Revenue

Rhode Island Division of Taxation

South Carolina Department of Revenue

South Dakota Department of Revenue

Tennessee Department of Revenue

Texas Comptroller of Public Accounts

Utah State Tax Commission

Vermont Department of Taxes

Virginia Department of Taxation

Washington State Department of Revenue

West Virginia Department of Tax and Revenue

Wisconsin Department of Revenue

Wyoming Department of Revenue

Outside the USA

Australian Taxation Office

Canada, Revenue Agency

Chile, Revenue Agency

Ireland, Revenue

Philippines, Revenue Agency

South African, Revenue Service

For expanded links to Tax & Revenue global sites,
visit Taxman International


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Online Calculators

Calculators can make mistakes; some
calculators have built-in assumptions that may or may not be
explicitly stated; and some sites provide calculators for less
than altruistic reasons. For these reasons, it’s generally
a good idea to use more than one calculator.

calculators on this site:

Income Calculator

Interest Calculator
Money Calculator

Paycheck Calculator

Percent Calculator
Savings Calculator

Stock Calculator

calculators located off this site:
Budget

Car Loans

CD / Savings

College Costs

Investing
Life Insurance

Mortgage & Moving

Retirement

Small Business

Budget Calculators

Budgeting 101

Find out exactly where your money is going. Compare your expenses to the national average.

Holiday Spending Worksheet

To plan your savings for next holiday season, you need to know how much all that merriment has cost in the past.

Debt Consolidation

Find out how much you can save by consolidating your current loans into a single lower interest rate loan.

Cost of Raising a Child

Figure out the bottom line when it comes to the actual cost of raising your child.

Should your spouse work, too?

Figure out if two paychecks are worth it.


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Car Loan Calculators

Loan Payment Calculator – From Bank of America

Loan Calculator – From WebFoot

Various calculators from Bankrate.com:


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CD / Savings

from Bankrate.com:


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College Cost Calculators

Student Loan Calculator

This excellent tool lets you compare your
total student loan payments with your expected starting salary.
There are separate fields for Stafford (grad and undergrad),
Perkins (grad and undergrad), and Private loans.

College
Planning

This calculator will help you create your own
college savings plan, based on the age of your child and the
project expense of his/her education.

Parent Debt Calculator

If you’re planning on financing your
child’s higher education, you can use this calculator to
determine how much extra debt you can afford.

Monthly College
Savings Calculator


This calculator will show you how much
you’ll need to save each month to meet your college savings
goals. It assumes that the student will be attending a four-year
college and that he or she will finish the degree in four
sequential years.

Expected Family
Contribution Calculator


Another indispensible tool, this
calculator will help you determine how much you and your parents
will be expected to contribute, based on student dependency
status, and the assets and salaries of both parents and student.


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Investing

from Bankrate.com:


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Life Insurance

FIC Insurance Group
Life insurance needs assessment calculator.

Life Insurance
Analysis
Life insurance needs assessment calculator using the income assessment needs method.

Underwriter.com
Analysis based on the needs fulfillment method.

ReliaQuote
Compare term life quotes, learn about life insurance, and calculate your life insurance needs.


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Mortgage and Moving Calculators

from Bankrate.com:

Hugh’s Calculators
Mortgage calculator.

How much?
How much do you really pay for a house? From CNN.

The Salary Calculator
How will your new salary in the new city compare to what you make today?

Mortgage
Calculator

From HSH Associates.

HomeFair

Mortgage payment calculator.

Calculators4Mortgages

Free mortgage calculators for refinancing, amortization tables, pre-qualification, loan comparisons, monthly payments and more.

Time Value Software
Home financing calculators.

The Moving Calculator
How much will it cost you to move?

from Bankrate.com:

Compare the cost of living between cities


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Retirement Calculators

U.S. News Retirement
Tells you how close you are to meeting your goals, and what your retirement will be like financially.

Roth IRA Conversion
From Strong Funds.

Time Value Software
A number of retirement-planning calculators, including IRA, Roth IRA, comparison, and goal calculators


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Small Business

from Bankrate.com:


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Budget Planner

Forget what you know about traditional budgeting. Introducing a revolutionary spending system that will help you:

  • Create a household budgeting plan that you can use!
  • Recover 10% of your income from hidden spending
  • Always know exactly how much you have left to spend
  • Instantly know the impact of every spending decision
  • Automatically track all your purchases
  • Easily pay ALL your bills online
  • Effectively manage credit card spending
  • FREE 30 day no risk trial!

Click here to learn more