Money Saving Tips

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Sell Your Own Home
Selling your own home is attractive to many people. In this article, we will look at the good and bad of going For Sale By Owner or FSBO.

Why would you want to sell your own home?

Obviously, you have the potential to save yourself money. By selling your home yourself (For Sale By Owner or FSBO), you can save the commission you would normally pay a real estate agent (often as ... Read personal finance article



How to Profit from Gold
How to buy gold is a question asked by many smart investors who are interested in seeking out options for their portfolio that they know will always stay strong in the market. To learn how to buy gold, one must take the time to understand what types of gold products are out there ready for purchase. Buying gold is not like finding a nice house on the market to invest in. For starters, the real est... Read personal finance article



Money Saving Tips
If you came here with a PhD in Maglev, you might not get anything out of this article. However, if you a like most of the newcomers subsisting on a low paying job, you may find some gems herein.

These tips are from my experience here and are not intended to be an absolute cure-all for your problems. Please consider what I have to say.

FOOD AND SCHOOL SUPPLIES

Check out dollar type stores for you basic food; rice, salsa, drinks, etc. Items that would cost $2 or more can be had at these places for about $1. The savings add up. You can also get pencils, pens, notebooks and other items for your kids for school at a substantial savings at dollar type stores.

CREDIT CARDS

I have one I have been trying to pay off since 1988. In my opinion, if you want one-have just one. Remember, if you are late, they will up the interest rate. Some of these outfits charge up to 33% interest for an undisclosed period to your bill. It can be a money bleeder. Watch out. Have someone read over anything that you have to sign.

APPLIANCES

If you are lucky enough to have gotten a home or townhouse and you need an appliance, get a used one. There are stores that sell used refrigerators, stoves, dryers and washing machines for about $150. Compare the following: Used washer and dryer-$318:New washer and dryer-as high as $1300. Many times the store will want to put you on an monthly plan. The interest and charges for you appliances will add up to, perhaps, over a period of time, thousand of dollars! Watch out!

VIDEOS AND DVDS

Ususally, your public library offers videos and DVDs for about a $1 per rental. Sometimes it's free! Check it out!

AUTOMOBILE TIRES

If you are low on money, junk yards often sell used tires for a fraction of the cost of new tires. Take someone with you for the purchase that knows about tires. That way you won't get a poor tire. You'll want one that's not worn and has a lot of tread on it. Be very careful. You want to purchase a tire that is in good condition and is safe.

HOUSEHOLD FURNISHINGS

You can check out one of the non-profit stores like Goodwill. Many of these stores offer dressers and beds for low cost.

These are just a few of my tips. Try to get new friends. People who are sincerely interested in you and your family. Many have been here longer than you and can give you valuable advice and direction. Additionally, there are many resources in your community. Check out the web for what you're looking for. Good Luck to all of you.

Gene Smith is an author from West Virginia. He has lived in Iceland and the Grand Bahamas. He has visited Greece, Spain, England, Scotland and Italy. His newest book, Call of the Defiled is an Espionage/Thriller.

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FAFSA Benefits

In the present day, it can quite expensive to attend a college in the United States, and the rate at which the tuition fee is escalating, college education is bound to get even more expensive. Five years ago the cost of education at a private college or university was $15,000 per year. Now, it has risen to $21,235 a year, that is, an increase of 40 percent. On the other hand, the average American household income rose by just four percent during the same period.

The picture is no different for state-run colleges and universities. Although they are less expensive when compared to private colleges, but they have also been compelled to increase their tuition fees. According to Patrick Callen, president for the National Center for Public Policy and Higher Education, "Public institutions have had their budgets cut by states, and they've been raising tuition fees to replace public money that's been taken out of their budgets."

In such a bleak scenario, federal student financial aid appears to be the only feasible way to abbreviate the gap in the cost of education. However, you cannot apply for federal financial aid directly. The federal government will first determine your eligibility for the aid, and for this you would have to fill out the FAFSA or Free Application for Federal Student Aid. In addition to the federal government, the state governments, schools and other financial institutions will also use the information from FAFSA to ascertain your eligibility for non-federal student aid programs.

The 102 questions in FAFSA are framed to retrieve your academic, personal, financial and identification information. After meticulous scrutinization of your FAFSA, the federal government will send you as well as the colleges, which you had enlisted in your form, a Student Aid Report (SAR). The SAR contains EFC (Expected Family Contribution) that is calculated on the basis of facts that you had divulged through the FAFSA. The federal government and other funding agencies use EFC to determine your eligibility for various kinds student financial assistance programs.

In nutshell, unless you fill out and submit FAFSA, federal as well as non-federal financial aids will remain inaccessible for you.

Anubha is studying computers, and also works as a part-time freelance copywriter. She writes regularly for http://www.blogcharm.com/BollywoodSizzlers




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