Options are known to spoil us. It does not hold any more truth than it does when it comes to finances. All of us wish life. And to ensure the same we all need to have a dependable source of incoming money.

Even though most of us get to earn more than what we need to live a comfortable life but still it is seen than a majority of us are suffering with due debt and credit card payments. So what is it that we are doing wrong? Where exactly are we faltering ?

The issue is in your handling of your finances. The most common culprit here are credit cards! The idea of plastic money was considered to be a great way to help us with management of your money but what it ensured along with it was the fact that we started spending way beyond our measures . This led to the piling up of bills and due payments.

The biggest mistake that an individual can now do is to falter with his credit card bill payments. Not only will this lead to adding up of his due payments but at the same time it will also attract interest. It is therefore a good thought to be aware of your billing cycle and go ahead and pay your credit card bills on time.

If you wish to save yourself from the clutches of these credit card payments then the best way to get the same it to either use a debit card to pay for your purchases or pay in cash. This will not only help you limit your spending but at the same time will ensure that you do not end up piling payments. for more info on Manage Your Finances feel free to visit our website!

Money-saving tips for married couples

Most newly-married couples are having a hard time adjusting to a different way of life, especially when it comes to financial matters. As separate individuals, your spending habits will differ. This is why you both need to make certain adjustments to combine the household budget.

Here are some ways on how you and your partner can make the ‘financial aspect’ of your marriage harmonious and organized:

1. Understand the way that you both look at money.

If you and your spouse have different beliefs when it comes to money matters, sit down and discuss it. The key here is to be able to compromise. For some people, money is a security measure that needs to be saved. Other people spend it luxuriously and look at spending money as a means to reward themselves for their work. Still, other people are very thrifty that they hardly ever spend a cent of what they have earned.

Understand that the way that you both treat and spend money stems from how you were brought up by your parents. Think of everything that you need to discuss when it comes to your household budget. If possible, set rules on how you will spend your combined income on utility bills, food, mortgage, car maintenance, etc.

2. Set future financial goals.

If you are newly weds and you are planning to have a baby soon, consider this when organizing your finances. If you are a couple nearing the age of retirement, you can make plans on where you will spend your leisure years. Setting long-term and short-term goals will help you finalize your financial plans.

3. Share your money-saving skills with your partner.

If you have different family backgrounds, then you would have something to contribute towards organizing your joints assets. Make each other aware of your personal finances then think of ways on how you can further boost your money-handling tactics.

By following these tips, you will surely have your finances organized to lead a more comfortable lifestyle.
find more about money

4 Good Reasons to Get a Refinance Home Loan

Refinance Your Home Now and Lower Your Interest Rate

What is a refinance home loan?
A refinance home loan or a home loan refinance is a new loan obtained through your lender or a new lender to pay off existing loan. However, you may opt to apply for a lower interest rate and or cash out on your homes equity.

When should I refinance my home? It is a known fact that interest rates are lower than they have been in years. This is due to our fast paced and ever changing economy and market. Now would be the perfect opportunity to refinance your home to obtain a lower interest rate. Even a .25 difference can save you thousands of dollars a year in mortgage payments.

Why should I refinance my home?
There are several reasons home owners decides to refinance. The four most common reasons include:

To obtain a lower interest rate
Home owner generally are aware of interest rate down fall. They take advantage of this opportunity by applying to a refinance loan to lower their existing interest rates and save money on mortgage expenses. The money that a borrower saves on mortgage expenses can be invested in other financial investments.

To receive a refinance cash out
Some home owners who have enough equity accumulated in their homes refinance to cash out their equity and get a lower interest rate.

To make home improvements
Sooner than later you will find that maintaining your home is hard work (not to mention quite expensive). In most cases, home owners will pursue a refinance, rather than a personal loan, in order to save on interest rates. A personal loan may have higher interest rates and are normally, not as large as a home improvement loan.

To change loan programs
A majority of home owner refinance because they are not satisfied with their current loan program. They may be under a 5 year arm, but somewhere down the line they decided they would prefer a 30 year fixed loan. Whatever the reason may be, a refinance home loan will solve the problem.

What are the benefits of refinancing my home?
There are several benefits included with refinancing your home, including:
Your credit may be in better standings then before you purchased your home, now you can refinance and obtain a more suitable loan, with lower interest rates and terms.

Or, you can obtain a home equity line of credit and have cash available when you need it.
With refinance cash out, your lender can consolidate your bills and pay off all of your debt. You will not have to deal with the hassle by yourself.

What are the different refinance loan options?
As with a traditional loan, refinance home loans offer some of the same loan programs, such as:
10/15/30 year fixed
Zero Down
Interest Only
And so on

Where can I refinance my loan?
You can apply for a refinance home loan through your current lender. Or you may search for a new lender more suitable to your financial needs. This search can be done by internet search, flipping through the yellow pages, or consulting with your real estate agent.

About the Author

Khali S. founder of Home Loan Guidance – a free online guide to help discover more home loan options secrets.

Written by: khali S.

get more info about mortgage

Need money? Discover a reliable and lucrative source of income – forex investments!

“Visit Australia’s Largest Online Department Store -Over 4000 Bargains And Saves Up To 80% Off!”

So what can you do if you are facing this predicament? How do you protect yourself and your family from losing you home? What can you do to stop foreclosure?

One answer stands out from the rest: A Loan Modification, which is sometimes referred to as a Mortgage Modification. What follows is a description of what a Loan Modification is and how it can help you to avoid foreclosure.

What is a Loan Modification?
A mortgage modification is simply a legal negotiation that is held with the lender and a home owner’s representative. During these negotiations an agreement is made to adjust the loan’s terms, such as the interest rate, monthly mortgage payment or the length of the loan. The outcome is a reduced monthly payments that are more in line with the homeowner’s present economic situation.

What would make a bank to be willing to adjust my mortgage terms to save me money?
Foreclosing on a home is a costly process for lenders. There is a lot of paper work they have to pay someone to do, more often than not they sell the house below its value and they do not make any money from the interest in the years to come. In a nutshell it is much more practical for lenders to negotiate than it is to foreclose. It is truly a win/win proposition.

What is it that lenders change to make my payments more affordable?
Essentially there are four possible adjustments a banker can make to a home owner’s existing loan:

Reduce interest rates – The mortgage company agrees to reduce your interest rate which will lower your mortgage payments. This is common when your loan is an adjustable rate mortgage (ARM) and the interest rate has jumped beyond what you can afford.

Lower monthly mortgage payments – This is self explanatory; the banker agrees to lower the payments but you will still pay the full loan. This is often temporary, for a a few years.

Reduce the principal owed – Sometimes a regions’ housing market slumps so badly that a house is worth less than what is still owed. In this instance the mortgage company could reduce the total value of the loan.

Extend the length of the loan – It may sound like refinancing however it is not since there is no qualifying, you do not have closing costs, etc. In this situation the banker adds time to the time left on your loan giving you more time to repay the same amount of debt.

All of these adjustments are designed to lower your house payments so that you can still afford your home. It is possible to be given more than a single adjustment however this is not a common occurrence.

The best of these solutions is the lower interest rate. Not only does it reduce the amount that you have to pay today but also reduces the amount you will pay over time. If you are looking for a mortgage modification you should check out Loan-Modification-Masters.com and apply for a free evaluation.

Get smart about car finance – read how car finance calculator can help.

Stop Bank Foreclosure Resources:
Stop Bank Foreclosure – Stop The Banks. Know Your Options.  Find Out Why The Banks Actually Do Not Have The Legal Authority To Foreclose.

Guaranteed Foreclosure Secrets
Step By Step Guide For Homeowners To Quickly Stop Their Foreclosure. Also Includes A Loan Modification Report, 101 Credit Repair Tips, And A 2000 Page Grant Guide.

One term you may want to learn is FAFSA. The Free Application for Federal Student Aid, or FAFSA, is a form you fill out to determine if you qualify for federal grants or loans. Many states also use it for their programs. Let’s get into programs so you can find some money.

1. Government grants, the main grant you can get from the federal government being the Pell grant. Others include the Federal Supplemental Equal Opportunity Grant or FSEOG for cases of extreme need. The Academic Competitiveness Grant or ACG, for the first two years of college for students with great academics and little money. The National Science and Mathematics Access to Retain Talent or SMART Grant, applies to the last 2 years of a 4-year degree, in a technical field. Math, engineering, chemistry, biology and many other majors would all fit if you apply for this grant program. You must fill out a FAFSA for all federal grant programs.

2. State grant programs: nearly every state has a grant program to offer more aid to their residents. You can find these through the state website, usually the department of higher education. Most of these require a FAFSA to determine need.

3. Scholarships: the subject of scholarships fills pages and pages of books. Why? Because everyone is different, and most only give an award to 1 to 5 people. Essentially, you get a scholarship for demonstrating talent or skill in a certain area, such as music, academic achievement (grades), sports, and so on. Once you have a scholarship, you may be able to renew it. You can find hundreds of scholarships from every organization you can think of, some right in your own neighborhood. Be careful of consultants that offer to find you a scholarship if you’ll pay them. Usually a FAFSA isn’t part of this, but could be if you are applying for a state or federal scholarship.

In the section below I cover a few programs that you have probably heard of. These programs offer great help, but may require you to plan ahead. Again, just free money for college or nearly free programs here again in this section.

4. HOPE scholarship and Lifetime Learning tax credits actually aren’t a scholarship – sorry. These are tax credit programs. You can use tuition and fees from your family members that you support (think dependents) as tax credits when figuring your taxes. HOPE only applies to the first two years. The Lifetime Learning tax credit you can use over and over again. It phases out as your income goes up. Not financial aid like a grant, where someone gives you a check, but may it apply to you. Talk to a tax pro for more in this one. (Also, several states have scholarship programs named HOPE. Those are different programs than this one.)

5. Tuition waiver programs usually come from states, and offer certain groups either free or greatly reduced tuition. Typically applies to state schools, but some programs include private colleges and universities. As financial aid goes, free tuition is good.

6. Loan forgiveness programs offer to pay your loans in exchange for your work in a specific field. For example, work as a school teacher and you can get some of your loans paid or forgiven. This program also goes by the name tuition forgiveness. Note that this doesn’t happen until you go to school, graduate, and get a job that offers this type of aid. Still, borrow and someone else pays it back is a nice package.

7. Tuition Assistance programs or Tuition Reimbursement may sound familiar if you have a job. Many companies offer a program like this to employees, and generally few ever apply to use it. I have worked for a company that offered reimbursement, where you pay, take the class, then fill out a form and get some or all of your money back. And I have also worked for a company that paid the tuition up front for me. Both programs can offset much of the tuition for your schooling. No FAFSA involved.

Several options to choose from, and you can do all of them if you want. Searching for financial aid doesn’t have to be hard. Keep looking, and you’ll find a way.

The Rising Up Network – find government grant info and financial aid for college. Let us help you to rise up

And visit 0 car finance blog to make sure you do not get cheated on the car loans and fancy 0 car finance promises.

Are you going to be one who receives Cash Grants for any purpose from Uncle Sam’s Money Free Grants -Are you aware that 30 Million People Will Receive Government Money This Year….Be one of them!

Learning how to create a household budget is imperative in today’s economy. It is only by tracking our money that we can ensure our financial safety, if not success. We can see where money is coming from and where it’s going. We can look for areas where we can cut spending and move the difference to savings. We can plan our financial future.

The first step to creating your home budget is to see where money is coming from. Look at paychecks, alimony, child support, any source of regular, measured income. List these out, with the monthly amounts you receive. You want to make sure to list your NET totals (after taxes, etc). Now, add these up.

Next, list out your expenses. You’ll need to do this in two categories. The first is “fixed expenses”. These are costs that are the same, every month. Things like rent or mortgage fall in to this category. The other category is “variable expenses”. These are expenses that change, monthly. They may include, utility bills, clothing, food, and the like.

You will need to track your variable expenses, from month to month to keep a running average. This will allow you to predict how much you need to put aside, monthly, for these expenses.

Now, subtract your expenses from your income. If the answer is positive, good job! You are spending less than you are making. You can put aside this extra money for savings and future purchases. If the answer is negative, you are spending more than you make (yes, it’s possible). Now is the time to see where you can start cutting spending.

Once you set up your initial budget, you’ll need to continue to track it, on an ongoing basis. You’ll need to decide what you want to accomplish. You can experiment with different combinations of expenses, to see how they affectyour bottom line. Keep experimenting until you find the combination that is right for you. You can set goals and adjust your variable expenses to meet those goals. You can set up any “what if” situation you need to plan for the future.

Once you have created and begin tracking your budget, you have taken the first step to learning sound money management skills. Continuing to track and adjust your budget will allow for better management. You can keep getting a better idea of where your money goes, how much you owe and where it’s going. It’s a great start. Make sure to keep your receipts and create a tracking worksheet to use monthly. Add up your receipts and other expenses at the end of the month. Use these figures to stay on track.

Learning how to create a household budget allows you to see where you are, see where you need to be, and plan for the future. It allows for you to increase you financial picture. It is important for your future.

Find out how to save money on car loans. You can save a lot and improve your own budget if you know how to use auto loan calculator correctly.

How To Create A Household Budget and Money Saving Resources Helps You Stop Living Pay To Pay:

Save Up to 80% on Retail
Learn The Secrets To Everday Savings

The internet is loaded with blogs about money. Let’s face it – we need the help! We’re not taught much about money in school, and we definitely need to know a fair bit about financial issues just to keep our heads above water these days. But which of these blogs are worth reading?

I have been on a quest lately. Many people are running blogs about finances on the internet, but some of them are utter rubbish. If you follow some of the advice from these so called “experts”, you’ll be broke in no time – or worse, in jail! It’s important to educate yourself about money, but make sure you’re getting your education from somewhere useful.

As part of my non-comprehensive random-walk survey of money blogs online, may I present a small selection of the results for your delectation? I have avoided the obvious mega-blogs powered by media and other vested interests. read them at your peril. But apart from that, we range from the tiny and specific to the eclectic and very amusing. Enjoy.

I like this blog, which covers credit cards, debt consolidation, refinancing advice, investment strategies and wealth building. There are some very thoughful posts in here, and it’s rare that you find a money blog these days that actually says something you don’t already know. Well, it’s rare for me, and I am sure it’s rare for you, my discriminating reader, as well.

I don’t like to play favorites, but this new blog is shaping up to be one of mine, I think. It’s pretty comprehensive, tackling saving money, investing, reducing debt, paying off credit cards, creative refinancing ideas, interest rates predictions, debt consolidation, refinancing, investing, reducing expenses, reducing monthly payments, vehicle refinancing, and wealth creation, and I am looking forward to seeing how it develops. I think you need a broad mix of topics to truly cover planning for financial independence, and a range including credit cards, debt consolidation, refinancing advice, investment strategies and wealth building is just the ticket.

Here’s a another blog covering a range of financial topics including credit cards, debt consolidation, refinancing advice, investment strategies and wealth building. It’s pretty new, so we shall see how it develops, but the start is promising. This blog has the potential to be not only intelligent, but amusing and entertaining at the same time.

I recommend keeping an eye on the blog at moneytalksabout.com/blog. This blog pulls together RSS feeds from several other good quality money blogs, which saves time and effort in surfing around the internet to each blog. There are good quality original posts from time to time, as well, and Money Talks has a good reputation for no-nonsense content.

As you can imagine, this handful of recommendations is not going to cover the full gamut of money blogs. Quite apart from the existing crowd, new money blogs come into existence every day. There will be hundreds of undiscovered gems available elsewhere. Please add a comment with the URL of your favorite blogs about credit cards, debt consolidation, refinancing advice, investment strategies and wealth building, and tell me why you like them. I look forward to hearing your thoughts – and learning something new!

How To Create A Household Budget and Money Saving Resources Will Help You Stop Living From Pay To Pay:

Save Up to 80% on Retail
Learn The Secrets To Everday Savings
Stop Living From Pay To Pay

Worth a look is this blog about pretty much all personal finance topics – saving money, investing, reducing debt, paying off credit cards, and creative refinancing ideas. The occasional post might be too specific to be of interest to a broad market, but most posts will be at least mildly interesting to the average reader, and there is an occasional gem as well. Make sure you check the archives, because you can find timeless material that is quite useful hidden in the depths.

It’s particularly good on strategy, and thinking about your overall financial situation. Any individual tactic is just a piece of the puzzle, and without a co-ordinated financial plan you cannot possibly get the best benefit out of any given tactic.

I don’t like to play favorites, but this new blog is shaping up to be one of mine, I think. It’s pretty comprehensive, tackling how to save money, ways to earn extra money, how to reduce debt, how to reduce mortgage payments, ways to reduce credit card debt, and how to become debt-free, and I am looking forward to seeing how it develops. I think you need a broad mix of topics to truly cover planning for financial independence, and a range including interest rates predictions, debt consolidation, refinancing, investing, reducing expenses, reducing monthly payments, vehicle refinancing, and wealth creation is just the ticket.

I like the references to authors like Suze Orman – it’s always good to see bloggers making references of any kind, rather than spouting opinions as though they have sone God-given right to give advice ex cathedra. And Suze’s advice is good and solid, timeless no matter what chaos is breaking loose in the financial markets.

This is a variation in strategy, a blog about saving money, reducing debt, creative refinancing ideas, interest rates predictions, refinancing for debt consolidation, mortgage refinancing, reducing expenses, reducing monthly payments, and vehicle refinancing. Normally, I prefer blogs about a variety of financial topics, because financial independence requires a strategy across all aspects of one’s financial life, so a blog about interest rates predictions, debt consolidation, refinancing, investing, reducing expenses, reducing monthly payments, vehicle refinancing, and wealth creation is more likely to add value than a blog about one specific aspect of finances.

I am making an exception in this case, because the mortgage is usually the largest financial commitment a person makes, and managing a mortgage well can make the difference between financial independence and a lifetime of indentured slavery. Many of these posts are very educational, well-written, and easy to understand, and mortgage finance is one area where the average consumer could do with being much better educated – just look at the foreclosure rates!

I think that most consumers could benefit from reading about interest rates predictions, debt consolidation, refinancing, investing, reducing expenses, reducing monthly payments, vehicle refinancing, and wealth creation on a regular basis. Money blogs are not the only way to gain this information, but they are convenient, provide bite-sized chunks of information, and if you choose well, provide reasonable quality information. Generally they are written in a readable style and break the information into small enough chunks that you don’t get overwhelmed.

I would recommend keeping an eye on the blog at moneytalksabout.com/blog. This blog pulls together RSS feeds from several other good quality money blogs, which saves time and effort in surfing around the internet to each blog. There are good quality original posts from time to time, as well, and Money Talks has a good reputation for no-nonsense content.

As you can imagine, this handful of recommendations is not going to cover the full gamut of money blogs. Quite apart from the existing crowd, new money blogs come into existence every day. There will be hundreds of undiscovered gems available elsewhere. Please add a comment with the URL of your favorite blogs about interest rates predictions, debt consolidation, refinancing, investing, reducing expenses, reducing monthly payments, vehicle refinancing, and wealth creation, and tell me why you like them. I look forward to hearing your thoughts – and learning something new!

The more simple approach you take to personal budgeting, the more likely you will be at sticking with it. At the end of the day it is about handling your personal budgeting instead of spending much time setting up of a system which may not be appropriate for your requirements.

Here are some personal budgeting tips:

Tip 1: Keep it simple

You want to break your budget down in distinct categories as this will help you get everything organized and you will be able to see at a glance what you situation looks like. Do not get into complex lists. Just go with income, expenses, extra expenses, debt and savings to start with. If investment is part of your budget, then create a category for this item.

Your ability to make your presentation simple allows you to organize your figures better. It will make it easier to see what is happening and you will avoid getting confused by an overload of information.

Tip 2: Assign estimates properly

One of the biggest personal budgeting mistakes people make is to over estimate income and under estimate expenses. You have to be honest. For any variations in your income and expenses, you have to ensure that your estimate can allow margin of errors.

Always underestimate income and over estimate expenses if in doubt.

Tip 3: Keep tabs on out-going cash

Recording every cent of your expenditures for the course of two weeks can provide you an idea of your spending pattern. It is also the best way to [/spin]spot|identify|mark[/spin] overspending or unnecessary spending.

To reiterate, make sure you make a record of every cent of expenditure in your two week list. Review later and check areas where you can cut down your expenses.

Tip 4: Choose a recording period that works for you.

Most of the time personal budgeting advice tells you to record on a monthly basis. However, your situation may be different and a weekly budget may work best. Do what works for your situation.

Consider your income and how you get paid as to how you maintain your budget.

As you can see, personal budgeting should be personal. What works for one person may not work for someone else Design your budget so it works for you and as long as it works then it is good enough.

How To Create A Household Budget and Money Saving Resources Will Help You Stop Living From Pay To Pay:

Save Up to 80% on Retail
Learn The Secrets To Everday Savings
Stop Living From Pay To Pay

Self-Discipline And Saving Money
Self-discipline will most definitely be the key to reducing one’s debts therefore increasing the possibility of growing one’s savings. And in the long run, improve one’s standard of living.

According to money management book author Robert Hastings, “Undisciplined money, usually spells undisciplined person”. Therefore, if one notices how his hard-earned money seems to slip away so darned easy, then it is about time that he rethinks his ways and try to discipline his unpleasant spending habits.

One of the essential keys to successful money management, specifically saving money is to possess proper attitude. Self-discipline is at the topmost of this proper attitudes list, of course.

Saving Money
Only with self-discipline that people recognize that they do have the freedom and power to do the right thing over doing as their impulses dictate.

Sounds complicated? Well, not really. Knowing fully the fantastic rewards of disciplined money in a disciplined person’s hands should be motivation enough for one to do all that is humanly possible to achieve that elusive financial stability everyone hopes for.

Here are some helpful money saving tips.

1. Realize that the most convenient method of building one’s wealth is through saving money. Money is the only sensible material to save.

2. Focus expenditures on the things one needs. Live day-by-day knowing that you have enough.

3. Avoid buying on impulse. Take your time when buying, especially the expensive items. If you really need it, it would most definitely not slip your mind. Otherwise, if you go along forgetting all about it, then it isn’t really worth the money you have to spend on it at all.

4. Credit card debts hold the number one slot as the cause for financial drains these days. Control your spending by using your credit cards less. Or for unavoidable circumstances when you really have to use the credit card, consider using the ones that charge less interest. Then dump the high interest ones for good.

No matter how you look at it, saving money is so easy to do. A little bit of imagination, some creativity and a lot of self-discipline will take you a long way in keeping hold of your hard-earned money. More on Saving Money Tips.

I like this blog, which covers financial advice, personal finances, mortgage advice, financial news, credit cards, debt consolidation, refinancing advice, investment and wealth building. There are some very thoughful posts in here, and it’s rare that you find a money blog these days that actually says something you don’t already know. Well, it’s rare for me, and I am sure it’s rare for you, my discriminating reader, as well.

Some blogs try to cover to broad an area, and you find posts about basketball and baby poop interspersed with the financial articles. This one is not like that. It’s broad in the range of financial topics it tackles, but remain focused on money, finances, and investing.

I have been reading a fairly comprehensive blog about financial advice, personal finances, mortgage advice, financial news, investment advice, financial advice, mortgage rates predictions, financial planning, debt reduction, and how to be debt free. The general level of intelligence in the posts is a notch above the average internet page. One of the problems with the internet is that any fool can write and publish any article on any topic, and Google’s quality checking alogrithm doesn’t measure the intelligence of the content, just its relevance and uniqueness.

This blog has some good thoughts, reasonably well expressed, and that sets it head and shoulders about the average Adsense-financed “wall of words’ junk content that is proliferating around the internet on a daily basis.

Worth a look is this blog about pretty much all personal finance topics – saving money, investing, reducing debt, paying off credit cards, creative refinancing ideas, interest rates predictions, debt consolidation, refinancing, investing, reducing expenses, reducing monthly payments, vehicle refinancing, and wealth creation. The occasional post might be too specific to be of interest to a broad market, but most posts will be at least mildly interesting to the average reader, and there is an occasional gem as well. Make sure you check the archives, because you can find timeless material that is quite useful hidden in the depths.

It’s particularly good on strategy, and thinking about your overall financial situation. Any individual tactic is just a piece of the puzzle, and without a co-ordinated financial plan you cannot possibly get the best benefit out of any given tactic.

I think that most consumers could benefit from reading about saving money, investing, reducing debt, paying off credit cards, and creative refinancing ideas on a regular basis. Money blogs are not the only way to gain this information, but they are convenient, provide bite-sized chunks of information, and if you choose well, provide reasonable quality information. Generally they are written in a readable style and break the information into small enough chunks that you don’t get overwhelmed.

I would recommend keeping an eye on the blog at moneytalksabout.com/blog. This blog pulls together RSS feeds from several other good quality money blogs, which saves time and effort in surfing around the internet to each blog. There are good quality original posts from time to time, as well, and Money Talks has a good reputation for no-nonsense content.

As you can imagine, this handful of recommendations is not going to cover the full gamut of money blogs. Quite apart from the existing crowd, new money blogs come into existence every day. There will be hundreds of undiscovered gems available elsewhere. Please add a comment with the URL of your favorite blogs about saving money, investing, reducing debt, paying off credit cards, and creative refinancing ideas, and tell me why you like them. I look forward to hearing your thoughts – and learning something new!