MSN Money posts an article about whether or not you should refinance your mortgage.
When rates hit 5%, the rush to refinance was sizable. When rates fell to 4.5%, the rush to refinance was more substantial. When rates fell to 4%, the rush to refinance was downright staggering. And here we are again, with the average 30-year fixed-rate mortgage falling another rung on the ladder, to 3.87%.
Frugal Freebies and Deals posts about 10 ways you can save money and time this year by shopping online.
Ebates and Shop at Home are great, too. Basically they have almost every store that offers online shopping. And if you go through them you can get 2-30% back on your purchase. They have specials, too where they might double the cash back on a certain store and you can get some really great deals. You can even shop at Ebay through them and get 3% of your purchase back.
Yahoo! News posts about how to reduce your stress and rebuild your bank account.
FACE YOUR FEAR: One of the first, and worst issues, with financial distress is the difficulty of facing the reality. We don’t open the bill, look at the amount owed, answer the phone call, or open the IRS envelope. If you can relate to this avoidance tactic, face the music and face it now. Open the bill, call the person, hear the facts, know the reality and move forward. It will surprise you to learn how much taking action will empower you, and in turn, reduce your stress.
Moneyville argues that the first step to saving money is to budget.
They have one car, walk whenever they can, and always look for grocery specials. They try not to use their credit cards, because “paying interest on your after-tax dollar is not worth the sale,” says Kung. Every January, they examine what money they have left over, and, together, decide how much to tuck into their RRSPs, RESPs and savings, or what new investments to make. Being so frugal, they don’t have a mortgage.
Star Tribute posts more ideas on how to save money through your employer.
Discounted Microsoft® software. Through the Microsoft Home Use Program – you can get the suite of Office products for cheap. While your employer may not publicize this – you may want to go directly to your IT dept for the special code you’ll need to enter at Microsoft.