Holiday Gift Giving Is About Creativity, Not Made For TV Moments

Today I am proud to present a guest post by Brock, who writes at Clever Dude, one of my favorite personal finance blogs. Brock has done a great job of writing about clever ways to save, spend, and budget, all while keeping a personal spin on his topics.  I hope you enjoy his post.

If you haven’t seen one yet, I’m sure they’ll be popping up during commercial breaks everywhere before you know it.  You know what I mean, those commercials where a person opens their front door to find a luxury SUV sitting in their driveway with a big red bow draped across the hood.  Or how about the scene where a woman holds a hand over her mouth in complete surprise as she opens a jewelry box to find a ring with a diamond big enough to use as a piece of sidewalk chalk?

Do these things really happen?

Read moreHoliday Gift Giving Is About Creativity, Not Made For TV Moments

Get The Best Software For An Online Store

The following is a guest post.

Often when you set up a store online, you have different expenses than a local brick-and-mortar store might have. You have no building that you must pay rent or taxes on, no electric bills, and often you don’t have employees you must pay if you run the site by yourself. However, this doesn’t mean you don’t still have expenses. When you run a business online, it’s best to make sure you have electronic software that can help make your job easier.

There are many factors you need to consider before purchasing software like whether you want to keep track of sales, the number of hits to your website, if you need to order more product, or to keep track of invoices. Knowing what you need and how much you should pay for it can make or break your business, and must be thought about carefully.

Read moreGet The Best Software For An Online Store

What You Need to Secure Your Golden Years

How is your retirement looking? Could you add more to the pot?

I’m a firm believer that you can never have too much stashed. For this reason, I also feel it’s important to plan for multiple income sources in retirement. Of course, everyone has their own ideas of what is a good amount of income. But one thing’s for sure: once you are retired, you can’t go back in time and undo mistakes.

Right now, the goal should be securing your golden years. How can you achieve this?

1. Build your liquid savings. Although a regular savings account doesn’t earn much interest, this type of account should be included in retirement planning. Having liquid funds on hand can be a godsend if you deal with emergencies, such as car and home repairs or medical expenses. Most retirees live on a fixed income and without a liquid savings account, meeting certain expenses can be challenging.

Read moreWhat You Need to Secure Your Golden Years

Saving Money with Seasonal Lifestyle Deflation

This is a guest post from Edward Antrobus. Edward is a construction worker, blogger, tinkerer and a househusband. He writes about frugality and occasionally rants about what he thinks the personal finance community gets wrong.

Recently, I embarked on a quest.  Instead of getting ideas from other personal finance bloggers, I wanted to get the opinions of average people on the topic of frugality. I started asking friends and coworkers one simple question: what is your favorite way of saving money? When I asked Peggy, her answer was cutting back on quality.

At first glance, that seems like a bad thing. Skimping on quality; doesn’t that mean it will break or wear out sooner and have to be replaced more often? That should make things more expensive in the long run. But that’s not what Peggy meant. What she was actually referring to would be lifestyle deflation.

Read moreSaving Money with Seasonal Lifestyle Deflation

Car Insurance: What is it, Exactly?

Car insurance is the agreement between an insurance company and an insured individual, with the latter paying premiums to the company in exchange for compensation should there be an accident on the road.

Finding A Deal On Car Insurance

There are several kinds of car insurance, some of which are required by law in order to legally drive. Policies are always specific about what damages are covered and how far the company will compensate the holder. Finding the best deal is can be as simple as getting a free quote from a reputable website.  Go online and find a review site to narrow down the best options for car insurance in your area.  Shopping around for car insurance is a great idea to make sure you find the best deal.

The most basic function of car insurance is to help handle the damages that a vehicle undergoes in an accident, which is known as collision coverage. This is not required by law but if you purchase a vehicle with a loan, then the lien holder will often want it. There is always a coverage limit with this insurance, with most companies starting at $100,000.

Read moreCar Insurance: What is it, Exactly?

Apply for Student Loans: Use a Financial Aid Advisor for Federal and Private Student Loans

Consider Using a College Financial Aid Advisor for Federal and Private Student Loans

Financing higher education can be overwhelming, especially if you are going through the process for the first time. Everything from your family’s financial status to your education plans will play a role in determining how much college financial aid you are eligible for in the way of grants, scholarships and federal and private student loans . If you are applying for student loans and other types of tuition support for the first time, consider building a relationship with a financial aid advisor who is familiar with the process.

The Role of an Financial Aid Advisor as you Apply for Education Loans

Your financial aid advisor will be there to guide you through the entire college financial aid process, from financial planning through application and award acceptance. They can help you make sure that you are taking full advantage of federal college financial aid options by correctly filling out your Free Application for Federal Student Aid (FAFSA) and making sure you remain aware of important student loan deadlines. Additionally, they can help you to understand you options for private student loans if needed.

Read moreApply for Student Loans: Use a Financial Aid Advisor for Federal and Private Student Loans