Author: Deb

4 Tips To Minimize Your Winter Heating Bill

In many places, winter brings the promise of snow, hot chocolate by the fire, and holiday cheer. Unfortunately, the season also ushers in a whole new expense Americans haven’t seen since last year: heating bills. Depending on where you live, the amount could do a number on your budget for months. Here are some tips to help reduce the sting this winter.

How To Talk With Your Spouse About Money — 4 Tips

Money can be a source of tension between you and your spouse, especially if you have different financial habits, goals, and incomes. Putting the sometimes uncomfortable conversation aside could spell trouble in a relationship, so it’s best to lay all your thoughts and feelings out on the table. But how? Here are some tips on how to talk about money with your partner.

How Much Should You Save for Retirement?

Most financial experts stress how important it is to save for retirement. After all, you’ll likely want to stop working and enjoy your golden years at some point, but how can you do that without a nest egg waiting for you? One question you might have when putting money away every payday for that time in your life is how much you need to save. While the total can differ based on personal factors, here are some ways to figure out how much you might want to set aside.

3 Reasons Retirement Nomads Take to the High Seas

Many people consider downsizing their homes when it’s time to retire and spending their time relaxing at vacation destinations they’ve never had the chance to visit before. Instead of choosing an apartment, condo, tiny home, or retirement village, some retirees are hitting the high seas for much of the year. But why would seniors choose this lifestyle for their golden years? Here are three top reasons.

3 Quick Negotiations Might Save You Money Monthly

Most people believe their monthly payments are set in stone when considering budgets. Yet, as most good managers will affirm, everything is negotiable. The problem is that each obligation will take time out of your day to haggle with the person on the other end of the conversation. Fortunately, there are effective tactics you can use to speed up the process and bring the budget back in line. Here are three top places to start negotiating.