In Today's Issue:
Slow Cooker Liners
Is there a frugal way to replace those expensive slow cooker liners?
Modeling Money Behaviors
4 strategies to help moms, dads and teachers teach children about money
A Winter Gift
He was underwhelmed until he used it!
Your Resume
The correct format is the first step towards a job winning resume
Redefining Work
Financial difficulties do not have to mean mom gets a job
30 Free and Relatively Free Activities
Having fun doesn't have to cost a lot
Too Much Christmas
When you can't afford the Christmas that the kids expect
Thrift Store Junkie
Shopping secrets from an insider
The Not-So-Starving Student
Learning how to grocery shop
4 Fabulous Time Savers
Couldn't you use a little more time?
Christmas Gifts That Don't Cost a Dime!
Free and easy experience gifts
Food Shopping Myths
Separating fact from fiction
Become a Basket Case!
Specialty gift baskets that are sure to please
10 Great Holiday Decorating Ideas
Make your home warm and inviting
While I was Unemployed
Beyond cutting coupons and buying on sale
Learning to Sew
How can you learn this money saving skill?
Freezing Cookies and Cookie Dough
Get the baking done early!
Raising Cash Quickly
We find ideas for serious savings in a short amount of time
Refocused Holidays
What's really special to you?
Crock Pot Mock Lasagna
They'll think you were cooking all day
Clutter Stole Her Life
Pretty soon it was taking over everything
Making Christmas Memories
These families start traditions that will last for generations
Christmas Gifts Kids Can Make
Gifts that say "love"
Recipes for Homemade Toiletries
Cheaper! And, better, too!
Curbing the Spendthrift Appetite
Yes, you can stop your spending!
Preparing for Sick Days
Stock up on 'sick day' supplies to save your sanity, time and money
Concrete Patios and Walkways
A brand new look for less
Reading Food Labels
Do you really know what you're eating?
A Tasty Holiday Tradition
Holiday goodies that your friends and family will love
Thoughtful Gifts for Teachers
Thanking the ones impacting your child's life
Preparing for Baby
Reduce the financial strain
Love Is Blind (but creditors aren't)
When your fiance brings debts with them
Shopping for Jewelry
Here's how to save on that special gift!
Organic Foods for Less
Eating healthy for less
Road Tote for Kids
Make traveling with your little ones as easy as possible
Can you help this reader?
Readers want your help!
Choosing a Quality Food Processor
Please take a look and tell us what you think
Reader's Tips
The smartest readers on the web share their frugal living ideas!
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Your Story
Do you know a way to save time and money? Then please take a moment to "Tell Us Your Story"
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Helping You Achieve Financial Independence!
last update:
The cheapest way to mail gifts
Last-minute shoppers will find big differences in overnight shipping charges.
CARD Act protects consumers
The law aims to safeguard cardholders but most of its rules don't go into effect until February.
Granny's gift: a savings bond at Christmas
The grandkids would probably prefer greenbacks but with bonds, she's helping them learn how to save.
3 steps to refinance your mortgage
Can you take advantage of continuing low mortgage rates? Here's how to tell.
Bad credit can hurt job prospects
If you default on a loan after losing a job, it could become harder finding a new one.
5 tips for buying a foreclosed home
Do the legwork first to find a great deal on a foreclosed home. Here's what you need to know.
Can't make your car payment?
It's best to talk with your lender if you want to keep your vehicle and preserve your credit.
Want a vacation? Deals are everywhere
The recession has produced phenomenal travel opportunities. Here's how to find them.
What's a 'good' credit score?
Some credit cards require great credit, but it's tough to find out what that means in FICO numbers.
Should you get a credit union credit card?
A credit union card may cost you less, but rewards are lower. See if it's the right choice for you.
Be frugal, even at clearance sales
How one man saved hundreds by being a frugal shopper at a closing sale.
Video: Credit union network
New credit union networks make membership more convenient.
The cost of raising a child
The cost of raising a child is high, but there are ways to save.
How to create a retirement income stream
Accumulating money for retirement is easy compared to converting your investments to income.
Losing home in foreclosure won't end worry
A threat by the second mortgage lender to go to court can keep anxiety levels high.
6 ways to boost your income in a big way
Turn your talents into an income stream -- or launch a business. But no one promises it'll be easy.
9 steps to preparing for parenthood
The nine months of pregnancy provide a timeline for getting things right before the child arrives.
Should you work in retirement?
If you work longer, your nest egg could grow. But you might sabotage your benefits.
3 tips for when collectors come calling
Following these steps will smooth the way when multiple collectors are demanding payment.
Video: Making money in retirement
Some retirees find that their golden years are a good time to try out a new career.
The best way to invest a windfall
If you're lucky enough to have a lump sum to invest, how can you achieve the highest return?
Rent your own home
In danger of foreclosure? Find out if you qualify for the Fannie Mae option to rent back your home.
Hedge funds for the average investor
Hedge funds bar the riffraff. But investors can access mutual funds that employ hedging strategies.
5 car deals with today's incentives
With today's rebates and these car features, here are five models worth considering.
Can co-signed car title prevent its sale?
If a second name is on the paperwork, you can't sell the car separately. Better make a deal.
Fame & Fortune: Capt. 'Sully' Sullenberger
The "miracle on the Hudson" made the airline captain a hero and inspiration overnight.
Should you rent or buy a house?
Even with the first-home tax credit, renters need to consider all the expenses before buying.
Will you have to pay back your tax credit?
Taxpayers who owe can take some steps now to correct overpayment of the Making Work Pay credit.
Ask Dr. Don
Soldier in Iraq needs money plan
A military member serving in Iraq wants investment advice for himself and others in his unit.
Co-signing too risky for professionals
Co-signing for a loan is so risky that professional lenders won't even consider doing it.
Low CD rates shouldn't derail savings
A man with $500,000 to invest shouldn't let the money languish simply because CD rates are low.
How do you find bond values?
The U.S. government offers some handy online tools for determining a savings bond's worth.
Husband has no claim on wife's gift
A man who lives in a community property state may have no claim on a gift his wife received.
Husband won't pay fair share of mortgage
A woman continues to pay her half of the mortgage while her spouse makes excuses.
Financial Calculators courtesy of Bankrate.com
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Surviving Tough Times
Grocery Savings
A frugal fix for a frightening fridge
LED's = Yuletide Savings
The holiday season just got a little brighter
How I Saved $8,000 in 10 Months
Overcoming momentary embarrassment means big savings
Extra Cash
Could you earn some cash as a guinea pig or a pack rat?
A More Meaningful, Less Expensive Christmas
Ways to create more Christmas with less money
Gas vs. Electric Heat
Will an electric space heater reduce her natural gas bill?
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Site Build It!
Step-by-step instruction for building your own profitable internet business
 Holidays in the TDS Community
Dollar Stretcher Blogs
recent posts
Frugality: Just a fad? Or will consumers keep saving post-recession?
The tanking economy brought us recession chic. It became cool to clip coupons, throw potlucks and swap used items, but how long will it last?
Forecasters weigh in on new frugality
Is the new frugality here to stay? Two economic forecasters debate whether American consumers will continue to cut corners or return to big spending.
When your credit's still married and you're not
Jointly held credit card accounts can still haunt you years after you divorce. Make sure your ex is off and stays off your credit report.
Buyers' guide to gift cards: 5 questions to ask before buying
Want to save money on gift card purchases? Ask yourself some key question and do a bit of homework; your extra effort can mean cash left over in your pocket.
5 key federal laws help protect credit cardholders
There are many federal laws that are in a credit cardholder's corner, and it's important that prospective and current cardholders are knowledgeable about their legal rights. Here are the top five laws covering consumer credit that you need to know.
Explore all options before declaring bankruptcy
You may think bankruptcy will solve all your debt problems, but it also creates a whole new, lasting set of issues that will take a long time to recover from.
12 tips for renting a car with a debit card
Renting a car with no credit card can be done, but expect extra obstacles and costs. These tips can help you overcome them.
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