We hear lot about managing personal finances but hardly know how to judge the financial health. Analyzing finances time to time can be helpful both for long term as well as short term goals. There are some basic ratios that can easily be calculated using tools like Microsoft Excel to track one's personal finance. The first important ratio is "Deb to Asset" Ratio. This ratio is ... read more »

After housing, taxes, and childcare, automotive costs and transportation expenses are the largest expense for most households. How can you save money on automotive expenses? 1. Determine the cost of a moderately priced, gently used car. This is what you should get, both to save money when the car does need to be replaced. 2. If a car starts to need large repairs, do not rush out and buy a n... read more »

Decorating is one of the most exciting chores when you move into a smaller space. Small spaces are a challenge but that challenge makes it all the more exciting and when you are decorating on a budget, a smaller space is pretty much a blessing. When you are figuring out your budget, there are a few "rules" to go by when decorating a small space. For starters, furniture looks the ... read more »

1. Install a virtual server and then combine several lightly used servers onto the single virtual server. 2. Instead of buying new servers for periods of high demand and then installing them with the plan of putting them in storage if demand declines, lease them. Instead of leasing new servers and setting them up for peak demand, consider renting cloud computing resources. 3. Set up hotelling... read more »

I must say that this may be a difficult article to write, as I really hate to shop, but I do have a few tips I can share that may help others who are looking for bargains. In the first place, I RARELY pay full price for anything. In the second place, I go to the store once or twice a month or less, if I can get out of it. First, let me explain a little more why I don't like to shop and m... read more »

1. Have a list of your child's clothing and shoe size. If they are barely in that size, buy that size winter jackets and snow shoes for your children at the back to school sales. If they are barely within that size range, buy the next size up winter clothes. Many parents are not buying winter jackets yet, so the prices haven't reached peak demand prices. And if you live in a state with ... read more »

Tough economic times don't mean you have to suffer and do without. With a little creativity and pre-planning not only can you save money, but you can also get MORE for your money. There's no reason to pay full price for anything whether it's good financial times or not. We all work hard for our money, so why should any of us just "happily" hand over our hard earned mon... read more »

Introduction Shopping is something that everyone, except the spoiled few, need to do sometime in their lives. Whether it is shopping for food, clothing, cars, etc. Some people are smart about their shopping but many of us are not. There are plenty of tips and tricks that go into making your shopping experience fun and weighing too heavily on your pocket. This article will explain the ways to s... read more »

I know, and pretty much everyone knows, that financial status is very important especially in today's society. I am going to share some advice on how to increase your earning abilities without putting a strain on yourself or your family by having multiple jobs. The first thing to think about when looking into gaining more financial stability is maintaining an hourly or salaried position.... read more »

fru•gal (adjective) 1. thrifty - characterized by thriftiness and avoidance of waste 2. meager - involving very little expense Not only is our economy is in a slum, but there's an increasing need to save our poor, suffering planet as well. So why is frugality so often frowned upon? I may not be the coolest person around, but when I brag to my friends about how much my "thrifty"... read more »