Getting too deep in debt when you are quite young can be a very bad thing and in this article I am going to discuss with you how debt can absolutely ruin your life and damage your chance of ever having a good financial future.

Your key to a successful financial future is to learn how to manage your finances and not get

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Nobody wants to be in debt and when you get into debt it can be difficult to get out.  If you are in debt how do you expect to pay those unexpected expenses that crop up from time to time.  We can show you ways to help you save money so that you will have that little emergency cash fund available when you need it.&nbs

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Is your debt taking over your life? There are many people in debt and when there is a recession looming around the corner this is really not the best time to have to worry so much about your finances. 

By doing some research and learning different ways to manage your finances you can change your whole financial f

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Getting into debt is easy but getting out of debt is hard.  If your country is in recession or heading for one then it is particularly important to get out of and stay out of debt.

To get out of debt you need to change your attitude toward money and spending and develop some money management skills.  Read on

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Are you in debt?  Do you have credit card debt?  If a country is close to recession or in a recession it is the worst time to be in debt so if you answered yes to these questions you need to seriously make some changes to your life and get yourself out of debt.

Read on to find out some of the things that you

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Do you drink bottled water? Are you bothered by how much you're spending each month on it? Are the environmental effects of so much plastic in landfills finally getting to you? Here's how and why my husband and I kicked the bottled water habit. Since we switched, we estimate we've saved $500. Our only regret is that we didn't kick the hab

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This is the amazing story of a woman that was able to put away $12,000 in the same year that she only brought in less than $21,000 from her job teaching school. The crazy thing is that she has expenses just like every other person, in fact she has a small car payment.

Everything she did is in the post. She saved, used coupons, shopped for

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Christmas can be a trying time if you don´t have a lot of money coming in. This is especially true if you are a work at home mom just getting your business off the ground.

There are plenty of ways to save money during the holiday season, without sacrificing the joy of Christmas. Simple things can be done that will lower your holiday bills

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Saving money can be just as hard mentally as it is physically.  It's easy to take a few coins and put them in a jar but it's not as easy to take $100 every fortnight and put it into a savings account.

Managing your finances may require you to change your attitude toward spending and toward your lifestyle.&n

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Based on this weekends shopping spree I was able to learn some things about how to negotiate with stores like Best Buy and Circuit City. I learned some really good stuff and saved several hundred dollars in the process. To help everyone else learn how to save money like I did, I wrote up a little post to teach you how to do t

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When traveling on business, it is easy to let costs get out of total control. But if you are traveling with a per diem or have other constraints on your travel budget, you will need to learn some cost cutting methods that you can use that won’t make

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One of the most overlooked disciplines is personal finance. If you want to know more about personal finance, here are 10 personal finance blogs that you need to read. I decided to create Smart Savings 101 in a lot of ways because of these personal finance blogs.

In this article, I list 10 personal finance blogs that I thin

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Tips for human Americans on how to survive the current recession.
During the recession, Earthlings, think twice about what sport you want your children to play as well as yourself.

Golf is an expensive game. The equipment is costly and you have to drive to the gold course, pay the fee and then drive around in a little vehic

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5 ways to save money on groceries. Useful web tools to use in the process. I like this post because the information is practical and something everyone can use. There's a link to a website that will return search results on recipes based on the food you have in your home.
Here's one tip

Buy Generic. Don’t be quick to

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Earthling women find motorcycles sexy. But do not take her on a fancy date, when she is wearing fancy clothes, on the scooter or motorcycle. A cheaper and funner date would be to take them out for a motorcycle ride, then return to your dwelling and make her a romantic dinner. This will be most recession-proof way for you to hav

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We estimate that lawn mowing and gardening burns 400 calories per hour, which will make you leaner and fitter, which will enable you to look better and help you attract the opposite sex so you can make more love. Get and even better workout using an old-fangled Push Mower.
Be green, like us, and use an electric or human-powere

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Save water and electricity. When you wash your clothes, do not do small loads. Instead wash large loads so that you can save on energy. If you wash during off peak hours the electricity is cheaper.

Big Green Alien Tip: Do not put your clothes into an electric dryer. Go organic and let the wind do it for you by hanging them o

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