In This Week's Issue:
Consumer Tips for Dealing with Debt
Climb out of credit card debt
Vacation for Less
Cutting costs without cutting the pleasure out of the trip
When Cleaning Equals Energy Saving
Have a clean, more efficient home
Sell Your House
Easy and inexpensive tricks to make your home look better fast!
Caring for Leather Boots
Keep them looking good from year to year
My Story
Frugal prom
Selling on Ebay
Which items will sell best on auction sites?
House Cleaning Service
What you need to know before hiring a cleaning service
Quick Fix or Daily Habit?
Getting personal finances in order one day at a time
Pay it Forward for Pennies
Even a small thing can have a huge impact in someone's day
The Price of Status
What could they learn from a purse?
Benificial Borax
A great laundry booster and so much more!
10 Garage Sale Shortcuts
Finding the great deals!
The Dollar Stretcher
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Money Calorie Counter
Save your waistline and your budget
Container Mania
Using containers to add zip to your landscaping
The Problem With Wal-Mart
Putting a lid on impulse shopping
Homemade Air Fresheners
Freshness from your cupboard
The 'Last Time' vs. the 'Next Time'
Learning from your mistakes
Put Together a 5-Star Guestroom on a Beer Budget
Creat a guestroom with style and elegance
Green Cleaning with Essential Oils
A fragrant, sparkling, healthy home
Rush Hour Recipes
Tasty meals in a flash
One Income Beats Two
Help your husband make more money
The Half-Hour Solution
Tackling big jobs a little at a time
Guilt Free Vacations
Plan to enjoy your family outing!
Grocery Master List
Could a piece of paper save you money?
The Cheapskate's Guide to Children's Rooms
They could be the hardest rooms in your home to decorate
Liquidation Bargains
Are you driving by a bargain hunter's paradise?
Problem Solving for Couples
You'll certainly have challenges in your marriage. Here's help solving them
Can you help this reader?
Readers want your help!
Planning a Bachlorette Party
Please take a look and tell us what you recommend
Reader's Tips
The smartest readers on the web share their frugal living ideas!
The Guide to Understanding and Protecting Credit
a 14 lesson guide to your managing your credit
This week's lesson: Your Credit Score -
A financial asset worth protecting
Last week's lesson:
Your Credit Report -
The picture you present to lenders
Your Story
Do you know a way to save time and money? Then please take a moment to "Tell Us Your Story"
Advertise Your Product or Website
Content for Your Website, Newspaper or Newsletter
Writers' Guidelines
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Inflation Fighters
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To Coupon or Not to Coupon
The advantages and disadvantages of couponing
Saving Clothes and Dollars
Get more wear from your clothes
Reduce Your Food Budget
13 easy ways to cut your food budget down to size
Kids Clothing
Kids' clothing kept her in poverty until she discovered the co-op
Seeking a workout? Be patient
If there's a lesson for homeowners trying to avoid foreclosure, it is this: Be patient, don't take mortgage servicers' actions personally, and be ready to send paperwork multiple times
Rising food and fuel prices
The rising costs of food and fuel are a challenge for many Americans, but a devastating problem for people in developing nations. Are hedge funds to blame?
12 investment mistakes couples make
Two heads often don't work as one when it comes time to invest your money
Hire identity theft help or do-it-yourself
Want to reduce the risk of becoming the next victim? You can hire identity theft protection services or take measures to help yourself
12 money gifts for mom
Forget the flowers! Help mom get something she could really use
Low consumer confidence plagues market
Optimistic consumers are more likely to buy a home, say economists, but with consumer confidence at its lowest level in 17 years, the real estate market is unlikely to rebound soon
The costs of ID theft
Sleazy con artists cause a great deal of inconvenience to consumers, businesses and government -- not to mention $45 billion in costs
12-step program for ID theft victims
Follow these steps to reclaim your identity and restore your good name
Converting from Chapter 13 to Chapter 7
Type of bankruptcy hinges on your income, but you may be able to convert after the original filing
Surviving mob mentality in finance
Bankrate reviews the book "Mobs, Messiahs, and Markets," by William Bonner and Lila Rajiva, which examines what the authors allege is the mass hysteria that overcomes investors in the stock market
Foreclosures: Tragedy or opportunity?
This may be your big chance, but it's no place for amateurs
Government jobs offer good pay, benefits
Security and better than expected pay make public service a promising career
Swimming up a debt waterfall? Try this
Small steps can give you the energy to tackle a big debt
Resist the urge to splurge
Americans have a lot of saving to do to make up for their spending frenzy of the past 20 years
From helpless to empowered
The nonprofit Identity Theft Resource Center provides emotional support and helps ID theft victims get their lives back
Car-buying services shop for you
Here are six things to know before hiring a car-buying service to find your next set of wheels
Fame & Fortune: Heidi Klum
German supermodel and host of "Project Runway" has parlayed her fame into a multimillion dollar industry
Trading in gas guzzler may cost you
Dumping a gas guzzler may not be your best financial move
Don't say 'I do' to car loan for fiance
Never take out a loan for your beloved until you've said "I do"
You may still owe after repossession
Lenders retain the right to collect money owed following a repossession
Dumping car on lender will trash credit
"Voluntary repossession" is a surefire way to trash your credit
How low can you go on a housing bid?
In this real estate environment, lowball bids are more common. But how do you determine the difference between an insult to the seller and a smart bid?
Could you retire in a weekend?
In the book "Retire in a Weekend," by Bill Losey, baby boomers are encouraged to make work optional by following their passion
Banks and consumers: Be on high alert
Banks should be more accountable and publicly report basic statistics on their fraud rates
Ask Dr. Don
What's $29,000 worth after 18 years? - A bank deposit of $29,000 loses some of its purchasing power after 18 years
Lump-sum lottery payment is bad deal - A lottery winner may become a loser if she accepts a lump-sum payment
FDIC 99-year payment rule is urban myth - The notion that the FDIC has 99 years to pay depositors is an urban legend
Fear can cripple retirement planning - Too many people avoid retirement investing because they fear bad choices
Explore options when saving abroad - Americans have options for tapping the higher yields of foreign savings accounts
Banking convenience may come at price - The convenience of one-stop financial services can come at a cost
No escape from 529 plan penalty - Unused 529 money cannot be recouped without paying a penalty
Upside down on home? Take a deep breath - Don't let the fear of being upside down on a loan force you into foolish decisions
Ex takes wheels, leaves wife with bills - A woman's ex is taking advantage of her generosity
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Saving you time and money each week since 1996
last update: May 9, 2008
Fed backs rules to curb deceptive credit card practices
Federal banking regulators are taking unusual steps to protect consumers from unfair and deceptive trade practices in the credit card industry
Two years behind on credit card payments
How do you even begin to pay back credit card debt that is two years old?
Know your rights when you charge travel costs
Recouping your money if your trip is canceled is much easier with credit cards than if you paid with cash or by check
Check out credit counselors' credentials first
Before you hire a credit counselor, make sure you check out their credentials
Extreme credit card limits
One of the cardinal rules of responsible credit card usage is to apply for only as much credit as you need. A sizable group of consumers take a different approach: Apply for as much credit as you can get
Credit card etiquette
Etiquette experts say that when credit disputes and problems arise, don't reach out and crush someone. Win with courtesy
Check the Paper Statements -
Since we did it all online and never checked the statements themselves, we weren't counting for the interest rates
We Paid Off Over $300k -
Today the last payment to a debt cleared the bank. We have paid off, including interest (but not the house), $307,501.85!!!! We own our lives for the first time in 15 years!
More Secure and Confident -
Tari grew up thinking how she would always have a car payment and house payment. However, now she realizes that was false!
Storage Costs Down the Drain -
We paid for storage for 7 YEARS before I finally got over my bad self and decided to sell it
Decided Not to Go to College
audio -
Is the saved college money wasted if the child decides that school is not for him or her?
I Just Feel Whipped
audio -
Lisa has a very bad thought ... is there ever a point where you CAN'T make an impact on your money?
Saving for College
audio -
The hardest part of saving so much money for so many college expenses comes sooner than you think
For more Dave Ramsey Click Here
The Dollar Stretcher Community
Share what you know with your frugal friends!
Walking as free exercise - beats a gym!
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Lose weight, get fit and enjoy it all without spending a penny
Long term frugality - ideas for your home
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Things you can do and forget that keep on saving. What have you done?
Collecting Rain Water
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Summertime is coming quickly and with it, bigger demands for water. Collecting and using rain water can help with the water bill.
What is your favorite sewing machine?
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From treadle sewing machines to specialized, computerized modern wonders... which do you like best?
Gardening Forum
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Everything from seed swaps to suggestions for the beginning gardener
Never visited The Community? We'll make it easy for you to make new frugal friends in the About These Forums section
Dollar Stretcher Blogs
Decision Making Tools
Ask BankRate
Answers customized for your situation
Your Home
Your Car
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Capital gains exclusion on a home - A homeowner currently confined to an assisted living facility might not have to worry about residency requirements to claim capital gains exclusion
Tax deduction on medical equipment - A backyard swimming pool may be deductible for medical reasons if you can convince the IRS
Figuring S corp losses and debts - When an S corp is sold, there is a difference in how debts and losses are treated
Using an IRA for home closing costs - You can avoid the penalty and some of the taxes on an IRA withdrawal if it is used for a first-time home purchase
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