Two of the biggest ways Americans waste money is by paying full price for brand new items or paying for convenience.  Often we buy a brand new items when we could pay significantly less for a used model that is almost as good.  We are also willing to pay hefty fees having things delivered to us, made for us, and items that are simply unnecessary.

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There is a quite a bit of debate of which one is better buying or leasing a car.

If you want to make the best financial decision, then you should save enough money to buy a used car and drive it as long as possible.  

However, if you feel like only a new car will do, you need to review the pros and cons to both buying and leasing and determine which option...

Many people feel that the interview is the most important step when securing a new job, while other think it’s having the right references.

However, the most important part of securing a new job is your ability to negotiate your new salary which includes your benefits.  Many people only look at their salary as their compensation and neglect to realize that...

Even when you make every effort to keep good tax records, unfortunately sometimes, something slips through the cracks.  What should you do if you already filed your return and receive additional tax documents after you filed?

In many cases, you may not be required to file an amended return.  Keep in mind that you signed your federal tax return under penalt...

Many parents are may find that the financial aid package their college bound child has applied for will not cover the total cost of their child’s education and they do not have the funds to pay for it out of pocket.  However, Parent PLUS loans, offered by the federal government, are specifically designed for parents to fund their child’s education by borr...

Ask Your Boss for a Raise

If you want to make more in 2018, ask for it.  Approximately 75% of workers who negotiate their salaries get pay raises. However, less than half of workers have asked for a raise.

Adjust Your Tax Withholding

You can adjust your tax withholding to boost your paycheck in order to keep more of what you earn if you typically get a large...

Before you begin to to manage your money, you need to determine your financial goals.  Create a list of short-term, medium-term and long-term goals and be realistic about your goals.  The reason many Americans have money problems is that they have not established what they want to do with their money and they spend it randomly.  Clear goals will help you...

For those who do not know what bitcoin is or why it’s relevant….

Bitcoin was invented by an unknown programmer, or a group of programmers, under the name Satoshi Nakamoto.  In 2007, Nakamoto claimed to begin work on the writing of the code.  In January 2009, Nakamoto released the first bitcoin software that launched the network and the first units of the b...

To many new employees, a W-4 may seem complicated.  Employees are required to complete a Form W-4 so that their employers know how much federal income tax needs to be withheld from their paychecks.  This will determine the amount of money you will take home each paycheck.  In addition, you want to ensure that you have the right amount of tax withheld from...

Many Americans like to purchase savings bonds as birthday gifts for their children or grandchildren, but are they really a good investment?  Some people think that if they buy them as gifts when their children (or grandchildren) are young, it would be a good way to set aside money for their college education.  Americans often think of savings bonds as a s...