7 Ways to Be Frugal Right Now

Some people are naturally frugal, but others come to frugality because they want to save money for some objective such as saving for their children’s college education or their own retirement.

Others learn to cut corners because they have less money due to job loss or pay raises that never come.

Whatever your situation, if you have decided to become more frugal, here are some steps you can take today to keep more money in your pocket:

Ways to Be Frugal Right Now

1.  Start cooking at home

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New Taxes Coming for a New Year

Each year, the tax laws change.  New taxes are levied, and some taxes are cut.

For 2013, you are likely to see some new taxes as old tax cuts expire and as new taxes are imposed.  The new year is likely to bring with it new impacts on your budget.

While there is no saying, for sure, what will happen (what with budget talks underway, and negotiations attempting to avoid the fiscal cliff), here’s what’s possible so far:

New Taxes You Can and Will See Next Year

Payroll Taxes Going Up

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United MileagePlus Explorer Card Review

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Do you fly United Airlines with any frequency?

Would you like special flying privileges on your United flights?  Would you like to earn free flights and more?

If you answered yes to any of the above then you need to look at the United MileagePlus® Explorer Card from Chase.

The United MileagePlus Explorer Card is considered an airline miles credit card.  What that means is the purchases you make earn you airline miles which can be redeemed for flights and more.  Airline miles cards are a great way to use your purchases to earn you free flights.

Here’s what the United MileagePlus Explorer Card offers you:

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Think Long Term When Shopping Black Friday and Cyber Monday

Black Friday Sales

When you do your Black Friday and Cyber Monday shopping don’t just think of things for the upcoming holidays — think long-term!

Many sales are at their best on these days.  It may be worth it for you to take advantage now and buy items for events and purposes throughout the year.

Many a time has passed where I thought I’d see an item on sale again but it ended up not being as good as the Black Friday or Cyber Monday price.  Damn!  Missed out.

Of course for this to work you have to have money in your budget to buy extra now for the rest of the year.  It’s silly to put great deals on credit if you are going to end up paying credit card interest later on.

If you think out it and plan well, buying now can save you money, and time, for the upcoming year.

Here are some great occasions to shop for on Black Friday and Cyber Monday:

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How to Get FEMA Assistance

A lot of people in New York and New Jersey are only now becoming aware of the full extent of the damage brought on by Super Storm Sandy.

After nearly two weeks working just to get electric power on and gasoline for cars, the difficult job of rebuilding is about to begin.

There is help from various sources, first and foremost from FEMA, the Federal Emergency Relief Agency whose primary responsibility it is to be available to provide assistance in just such a disaster.  Many people are only remotely aware of what FEMA does, and if you live in the battered Middle Atlantic region, you’re now finding out first hand.

What is FEMA and how does it work?

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Southwest Airlines® Rapid Rewards® Premier Credit Card | Review – Earn 50,000 Bonus Points

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Do you fly Southwest Airlines?

Do you want to earn free flights as well as hotel stays, gift cards and more including international flights?

Then read on for my Southwest Airlines® Rapid Rewards® Premier Credit Card review and see if the card is good for you.

Let’s look at the Southwest Airlines Rapid Rewards Premier Credit Card:

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What is Glass-Steagall and Why Do WE See it in the News?

One of the subjects that is often covered in the financial news, especially as talking heads try to figure out what can be done to avoid another financial crisis, is the Glass-Steagall Act.

Many people don’t exactly understand why this old law — parts of which were repealed in 1999 — is still a topic of conversation, and why it matter so much.

Brief Overview of the Glass-Steagall Act

Passed during the Great Depression, the Glass-Steagall Act is also called the Banking Act of 1933.

Glass-Steagall was designed to prevent some of the problems that caused the Great Depression, mainly the difficulties caused by the widespread failure of banks.  The Banking Act of 1933 included the creation of the FDIC and it also expanded the role of the Federal Reserve.

However, the item that is most emphasized about the Glass-Steagall Act, particularly in a post-2008 world, is the prohibition of commercial banks from participating in investing.

Part of the problem ahead of the Great Depression was that Main Street banks began underwriting corporate stocks, and even floated bond issues.  With all of these Main Street banks exposed to Wall Street, the crash of 1929 was hugely devastating.

The idea of Glass-Steagall was that banks separate themselves out by the type of banking they did.
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