Saving Money
Want a smaller home? What would you give up?
Filed under: Budgets, Home, Real Estate, Saving Money, Mortgages
Survey after survey shows that, in the name of affordability, post-crash home buyers are opting for less square footage -- down 100 square feet or more on average.People can't afford a big house and they can't afford to heat and cool it, either.
Smaller means less, of course and consumers are facing choices among some of the excess that had come to define the modern home: living rooms AND family rooms, big master bedrooms AND big master baths, walk-in showers AND jacuzzi tubs, the pantries the size of closets AND closets the size of bedrooms.
Take our WalletPop poll to see what you would choose to jettison:
Savings experiment: Hunting the rare Zhu Zhu Pet
Filed under: Saving Money
Can you trust T-Mobile's Sidekick?
Filed under: Saving Money, Technology
T-Mobile is restarting its Sidekick sales again after last month's data loss that permanently left its customers without photos, contacts or information.
The only trouble was that a day after T-Mobile began selling its beleaguered product at a reduced price, it was reported that its UK staff was selling off customer information to the highest outside bidder. Severe data loss vs. security breach by employees ... which is worse?
At this point, does it matter? T-Mobile, which is using Microsoft's Danger for Sidekick technology and data services, can't shift the blame on Microsoft for this recent security breach. Instead, it was solely the work of T-Mobile employees destroying customer trust.
So even if T-Mobile is offering the Sidekick 2008 for $49 and the Sidekick LX 2009 for $149 (down $50 and $30 respectively from last month) with a two-year contract, it may not be worth it to consumers who have lost confidence in the company and can't trust their data won't be lost or stolen.
New Black Friday deals at Toys R Us online ... and on the go
Filed under: Bargains, Kids and Money, Saving Money, Shopping, Black Friday, Cyber Monday
Black Friday and Cyber Monday deals are being announced or leaked at such a rapid rate its getting difficult to keep track. Of all the retailers, Toys R Us may well be the most aggressive with the deals and now it is expanding online discounts for the big day, with free shipping, bonuses with purchase, and some special payment plans. There's even an online layaway program called Bill Me Later. Through Saturday, November 28, new Bill Me Later customers will receive $10 off purchases of $30 or more, with no payments for up to 90 days. In addition, all customers who opt to use Google Checkout will receive $10 off purchases of $60 or more.
Family budgets: Make movie night safe again with family-friendly review sites
Filed under: Budgets, Kids and Money, Saving Money, Technology
Around my house, we don't make the decision to pile into the car and head over to our local Cineplex as easily as we once did. It costs a lot of money these days to see talking animals, wild things and giant meatballs falling from the sky -- and don't get me started on the popcorn.Going to see the latest kid's film use to be a no-brainer and if the adults slept through it, well, it didn't really matter, but no more. When a family of four has to pay a total of $40.50 to see a "regular" movie, or $56.50 to see that movie in digital 3D, or splurges to see that same movie in digital 3D playing on the "giant" IMAX screen for a whopping $60.50, it suddenly becomes very important that everyone is at least mildly amused or entertained.
To buy tickets to all of the new movies coming out would cost literally hundreds of dollars, and if you throw in drinks and snacks -- there goes college. How to find one that's family-friendly and worth the expense?
Movie reviews for kids are not new, but they are getting increasingly relevant as families demand more of a sure-bet for their entertainment budget. It's impossible to promise that everyone will like a movie, but if you know who to listen to there will be more hits than misses.
Most of the websites are free, such as Kids-in-Mind., Commonsensemedia, Parentpreviews, and Moviemom.
To have and to hold (Title, that is): Advice for the unmarried
Filed under: Borrowing, Budgets, Debt, Real Estate, Saving Money, Wealth, Investing, Personal loans, Mortgages
Who doesn't have an unmarried friend who lost the house, or at least their investment in the condo, when the relationship went sour?The key question when buying property together, according to a new book -- "Living Together: A Legal Guide for Unmarried Couples" -- seems pretty simple: Does your legal relationship match your private agreement?
But who wants to have that conversation when you are newly in love, or at least new to nesting?
No one, the book's author admitted to WalletPop.
How to find a small bank or credit union
Filed under: Banks, Saving Money
When we wrote about sneaky bank practices, a lot of readers wrote in suggesting that fee-weary customers ditch the big bailout-recipient banks in favor of small community banks or credit unions. In fact, many professional personal finance advisers say exactly the same thing, so WalletPop talked to a few of them to get their recommendations and advice for how to go about finding one of these friendlier financial institutions. First, you'll need to find a place. While finding a bank can be as easy as driving down your local main street or commercial district, finding a credit union can take a little more sleuthing. Since credit unions are membership organizations, you need to find out which ones you are eligible to join, says David Beck, director of policy at Center for Community Self Help, an organization which includes the Self Help Credit Union and the Center for Responsible Lending.
In many cases, this may be as simple as living or working in an area that is home to a particular credit union, but being a current or former member of the military, many trade unions, religious communities and educational institutions may also qualify you for credit union membership.
Debtors Anonymous helps stop the urge to splurge
Filed under: Budgets, Saving Money, Shopping, Economizer, Credit cards
Move over AA, NA and other 12-step programs, now there is Debtors Anonymous for those addicted to overspending. Patterned after Alcoholics Anonymous, DA is a 12-step program to help spenders recover from chronic debt and compulsive spending.In DA, the first step for recovery is accurately tracking every dime, nickel and penny of spending for 90 days. The new DA member is then paired up with two or more veteran members who assist in formulating a new plan for spending and budgeting. The weekly meetings offer support and encouragement to members, particularly if there is a spending relapse.
10 tips to cut your expenses
Filed under: Bargains, Budgets, Debt, Saving Money
While some are declaring that the recession is over, the good news has not trickled down to my pocketbook. My husband and I are looking closely at all our expenses to cut our overhead. Our wages have decreased in the last year, mostly due to the slow down in my business, but costs have continued to rise. Utilities, gas, taxes, and food are taking more and more of our shrinking paychecks. We decided to take some action after looking at every expense in our budget. Maybe some of these tips can help you too:'Who's Who' ripoff preys on your ego
Filed under: Saving Money, Fraud
I must be really important, because two "Who's Who" publications have chosen me for inclusion in their publications. The e-mails arrived in my mailbox this week. They read, "Recently you were selected as an inductee into Who's Who. In spite of this, we have yet to receive your information in order to build your basic membership profile. In the business and professional world it isn't what you know, it's who you know...and who knows you. Social and business networking is the modern standard in developing relationships throughout the world. The potential for recognition and developing networks within a community of 400,000 working professionals in numerous fields on a global scale is unlimited."
Save money on home heating costs this winter
Filed under: Home, Saving Money
While the forecast for winter 2009-10 stands to be easier on homeowners' wallets than usual, you can save even more money by making energy-smart improvements and easy adjustments to your household routine.
Here are eight ways to reduce home heating costs to stay warm for less this winter:
- Seal out drafts: Eliminate air leaks and drafts around the house, and you'll trim seasonal heating costs by up to 20 percent. Sealant, caulking and weatherstripping are all easy to use, and they'll also help you earn tax credits on your 2009 return.
Wii deal alert
Filed under: Saving Money
Toys R Us is offering Wii consoles for $99 from Friday, November 13 through Sunday, November 15. There's a catch; it must be purchased as part of a Wii "starter bundle" that includes batteries, accessories, games and storage, bring the tally to $249. Here's what you get:
- Ultimate Gaming Ottoman
- Any four Gear Monkey video game accessories
- Mario & Sonic at the Olympics Games for Wii
- 20-pack of Toys "R" Us "AA" batteries
Regifting: The gift you keep giving
Filed under: Kids and Money, Saving Money
Leslie Lait immediately recognized the adorable, pale-blue, corduroy overalls she unwrapped at her baby shower. The infant-sized outfit with the tags still on was the same pair she had given to the very same friend, who was now regifting it back to her. Boomerang gifts are not new, and they're about to get a lot more common as consumers seek to uphold gift-giving traditions on a shoestring budget. Thrifty is good, thoughtless is bad and public humiliation is even worse.
According to a recent survey by the National Retail Federation, Americans plan on spending an average of $682.74 on holiday-related shopping this year. That figure represents a 3.2% drop from spending in 2008 -- and it's not because we have fewer friends.
Coupon for 25% off at Cost Plus World Market and free shipping
Filed under: Saving Money, Shopping, Bargain Babe
Woah! Cost Plus World Market is having a huge online furniture sale. Get 25% off furniture with coupon code NOVFURNAF. If you click on the above link the coupon code should automagically appear when you put an item into your shopping cart. You can also get free shipping on purchases over $50, which is not bad at all, though it does not include furniture. It's unclear when the free shipping deal expires.
The sale also includes up to 60% on bedroom furniture, up to 50% off on dinnerware and lamps, up to 40% off on dining furniture, and up to 30% off on leather furniture. I like this brown leather chair, pictured at right. All you need is a blanket and a book to curl up with.
Caveats: Online only. Not valid on food, wine, gift certificates or previous purchases. Cannot be combined with other offers or promotions.

