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By Lara Velez

In these times we are living in finances are tight and many of us are desperately trying to find ways to save money. It is a time when people are being laid off, receiving pay cuts, and trying to raise families on low income. Of course soaring gas prices do not help either!
I hope that these money saving tips help you as they have been helping our family!
Money Saving Tips
Shop Second Hand. …

by Christina Helwig
The words “We Can’t Afford It” sets up a lack and limitation mindset in your child’s psyche. They get a little achy feeling inside and never really understand why the family can’t afford something. Your child will start the process of holding themselves back from things they want based on your words. This mentality also sets up lack and limitation in your own mind. You instantly cut yourself off from ideas and solutions to a cash crunch. Inside your subconscious …

It’s the American dream to own your own home and dreamers will go to any lengths to accomplish this even if it means borrowing thousands of dollars to be paid back over a 30 year period. It’s quite an obligation to make 360 payments month after month with the bulk of the money going toward interest, at least in the beginning.
The interest on an average home over a 30 year period can account for twice the cost of the home. Interest is working against you 24/7/365. …

by Judy H. Wright
If your bills and expenses equals more than your income, you are headed for trouble and must take steps immediately to get back on track. There must be enough coming in your household to cover what is going out in expenses. If there is a big difference between the two, then you may be headed for trouble. The sooner you can find solutions, the faster you can be in a position to balance your budget.
There are only two ways to get more money:
1) Increase your income or the …

We want our children to know how to handle money properly, and it’s never too late to start teaching them. One way to make learning about money fun for smaller children is to play a shopkeeper’s game. Your children most likely go to the store with you while you do grocery shopping for the family. Why not take advantage of their interest to help them learn about money?
Instead of throwing away boxes, bottles, and cans that store food items after they’re empty, hold onto them and clean them up. …