You Don’t Have Buy the Whole Bag of Grapes

saving money
Not too many years ago it was normal to see bunches and bunches of grapes piled up in the produce section.  Gradually over the last few years it has become more and more common to see bulk bagged grapes.  Typically most bags weigh in at around 2 pounds. Guess what?  You don't have to buy that whole bag of grapes. Yep, it's true.  There are a couple of caveats of which to be aware. If your store places a price… Read the rest

Nifty Credit Card Transfer Trick

credit cards
As you know, I am not a fan of credit card debt.  But recently I found myself advising a friend to apply for a low interest credit card.  He'd had to make some equipment purchases over the first few months of being hired at his new job.  He really had no other choice but to put it on his only credit card, which unfortunately happened to accrue 19.5% interest. This amounted to over a hundred dollars of interest every month. … Read the rest

Understanding Reverse Mortgages

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As people approach retirement, they tend to start considering their options regarding how they can boost their income after their working life ends. One of the routes available to homeowners in the USA is a reverse mortgage – but what exactly are reverse mortgages, and who are they best suited to? This article will explain everything you need to know about these financial products and help you make a decision about whether it's the right option for you. In a… Read the rest

Try These Negotiation Tricks to Lower Your Costs

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Save money by negotiating!  I don't think people understand just how negotiable many costs are.  From getting a pesky credit card fee removed to paying with cash or a check at your dentist, negotiation is a happy part of daily life.  Here are some tricks and advice on how to negotiate a price or dispute. DISCLAIMER: Do not try to negotiate on fixed costs or costs that are already reasonable – these are tips to be used in fair negotiations!… Read the rest