How I Save Money.net

Tips and tricks to save money, manage credit and reduce debt

What To Do If You Are A Victim Of Identity Theft

April 21, 2014 by Lulu in Credit Report with 0 Comments


Every year people become the victim of identity theft in some form or fashion. No one wants to think it can happen but with the amount of data we all have it is getting easier for crooks to take advantage of us. In many cases the victims do not realize what has happened until it is very late and they have already lost hundreds, if not thousands of dollars. The theft may also have totally wrecked their credit score because the thieves run up large bills that they do not pay and the victims are unable to pay as well.

If you do become a victim of identity theft there are a few steps you can take to get yourself back on the right track. The first step is to contact the three major bureaus to find out exactly what is happening.

Credit Bureaus

The three major credit bureaus are:

  • Equifax

Friday Finances: April 2014 Week 3

April 17, 2014 by Lulu in Save Money with 0 Comments

Every Friday I post about my finances for the week in an effort to monitor my income and expenses. I used to post all of the actual figures but I have recently decided to stop doing this.

I will now post SOME of my actual expenses and leave the rest to your imagination.

This week my income was: Nothing at all but that is not a surprise as I only get paid once a month.

Friday Finances: April 2014 Week 2

April 11, 2014 by Lulu in budget with 0 Comments

Every Friday I post about my finances for the week in an effort to monitor my income and expenses. I used to post all of the actual figures but I have recently decided to stop doing this.

I will now post SOME of my actual expenses and leave the rest to your imagination.

This week my income was: Nothing! I only get paid once a month and I did not have any gift cards to cash in yet.

This week my expenses were:

One Week Left For (Regular) Income Tax Filing

April 9, 2014 by Lulu in Finances with 0 Comments

You only have one week left to get in on the regular income tax filing schedule. Taxes are due on 15th April and if you don’t get yours in by that date you have to deal with extensions.

Why bother with all of that..just get your taxes done now and save yourself the hassle!

I filed my taxes already so I have nothing to worry about.

Do No Spend Days Really Work?

April 7, 2014 by Lulu in Finances with 2 Comments

I have been seeing a recent rise in No Spend Days on various blogs. I attempted to do this a long time ago but I was not successful.

No spend days are days when you make a conscious effort to not spend any money directly. This may involve things like leaving your credit or debit cards at home or removing all cash from your wallet. It is a tool to help you be more mindful of your spending on a day to day basis and to keep your budget in line.

Do these No Spend Days really work? If you decide to spend money as you normally do all week and then make Saturday a no spend day what happens next? Do you end up spending more the following week in order to make up for the day you did not spend any money? Do you end up spending the same amount? Do you spend less?

I think those days are not really useful unless you can be extremely strict about the allowable spending. It requires you to break down your monthly budget into a daily amount and is usually done by dividing your total budget by the number of days. If you come up with something like $8.21 per day and you spend nothing on a No Spend Day then do you spend $15.34 on another day?

I think one of the reasons the tool did not work for me is that I do not spend money on a daily basis. I buy food or household items on my shopping days and do not get the daily coffee or vending machine item that many people seem to get. I bring my lunch to work or else we have lunch provided so I do not have to buy a meal on a daily basis.

I think the No Spend Days would work for those who spend at least three days a week because they have to make an effort to not spend. It does not work for people like me but I would love to get some feedback.

Page 1 of 38912345...102030...Last »
Feed Count
How I Pay My Bills
Sitemeter