Car Allowance Rebate System – Cash For Clunkers

What's your clunker worth?

In late June President Obama signed into law the the Car Allowance Rebate System or as it’s also known: Cash for Clunkers. This is a program that encourages people to trade in their cars for more efficient models.  It also helps to stimulate the economy (similar to the first time home buyer tax credit) at a time when car sales are lagging.

The program runs from July 1st through November 1st 2009.  Cars traded in during that time could be eligible for a credit of either $3500 or $4500 depending on the car and the increase in mileage the new vehicle provides.

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Do You Keep Money Secrets From Your Spouse?

marriage-union

Have you ever kept money secrets from your spouse?

Do you have a bank account they don’t know about; maybe a credit card?  What about little white lies such as the actual cost of something you bought?

Why do we keep money secrets from our spouses?  What do you have to hide?

Here are some of my thoughts why we would keep a money secret:

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AAA Is Good For More Than Automotive Assistance

Pennies Add Up

Are you a member of AAA (American Automobile Association)?

They provide benefits such as roadside assistance, towing service, flat-tire service, battery service, and more for a registered driver. But did you know that AAA provides tons of great discounts as well?

We’ve had AAA now for years. I had heard that AAA offered discounts and every now and then I’d check the site out.  Not sure why but I kept forgetting about their discounts.  Well no more!  I’ve been checking their discount page often recently.  Every time we plan to take the family to an attraction I’ll check the AAA discount page (this brings you to the NY page) first to see what discounts they offer.  Recently we’ve saved on Bronx Zoo and Intrepid tickets and we’re looking into Sesame Place discounts too!

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Confessions Of A Recovering Spendaholic

shopping

There was a time I spent a little too freely. I’d buy things when I wanted and worry about paying for it later on. For lunch I’d go out with the intention of window shopping to waste some time but come back with a sweater and new pants instead.  It felt good when I’d buy something but the feeling would wear off especially when I’d get my credit cards bills which were slowly adding up in the thousands.

I’ve since curbed my spending ways (somewhat). But every now and then the itch returns and I get the urge to splurge. The frugal/saving side of my wants to let go. It’s like you see on a TV show when the devil and angel both appear on one of my shoulders and they argue it out. The angel usually wins out but sometimes the devil makes a good case!

So here are some confessions of a recovering spendaholic. These are things I sometimes think about and get the urge to spend on. I usually hold myself back but other times…

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Use The First Time Home Buyer Tax Credit Now!

house

Were you considering buying a home this year and claiming the first time home buyer’s tax credit? If you were, a recent change to the credit may allow you to use it now rather than waiting until next year’s tax return.

The American Recovery and Reinvestment Act of 2009 allowed for a first time home buyer’s tax credit of up to $8000.  This would be money that could be claimed on your tax return.  Recent changes now allow a first time home buyer to apply the tax credit toward their down payment or closing costs.

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Go To The Museum For Free – Bank of America Museums on Us

museums-on-us-dates

What a wealth of culture and learning we have here in NYC!

The only thing holding us back from taking in all of the museums, gardens, zoos, and whatnot is time and money.  We’ve been trying to make the time to take the kids out and do things with them whenever we can.

That leaves money!

It’s expensive taking a family out these daysWell, it was a most pleasant surprise to learn that Bank of America was extending it’s Museums on Us program.  Not only did they extend it but they added museums and states that the program takes part in.

What is Museums on Us?

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Unbroke – What You Need To Know About Money: Recap

Did you get to catch ABC’s special Unbroke: What You Need To Know About Money? I heard about this via Twitter from MainStreet.com.  The special advertised it would talk about what people needed to know about their personal finances and it was interspersed with vignettes describing different aspects of money from the celebrity likes of Samuel L. Jackson, the Jonas Brothers (that got my daughter watching), Oscar the Grouch, and the E-Trade babies.

Hey, how to not be broke?  Sounds right up the alley for Free From Broke!  I was game.

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