saving for a summer vacationPlanning a getaway this summer? Whether you’re planning a trip around the world, a weekend staycation or something in between, it’s important to start saving and budgeting for your trip ahead of time. Your summer vacation may feel like it’s a long way away, but costs such as airfare, hotel fare, and passport and travel document fees will start to creep up on you even before the trip starts. If you create an accurate budget and savings plan, you will be much more relaxed once your vacation finally comes. [click to continue…]

Bookmark and Share

{ 0 comments }

buy this not that logoWe’ve all been there. You’re walking through a mall, and suddenly, you see it like a mirage in the desert, shining in the store window: the perfect bag. Then you look up and realize you’re standing in front of a Louis Vuitton store, and that bag is roughly one month’s rent and security deposit for a Manhattan loft. Though you try to walk away and put it out of your mind, you just can’t help returning to the store and putting it on your credit card. And now, you’re thousands of dollars in debt.

It doesn’t have to be that way. Talking Cents is launching a new series of informative graphics to help you understand, called “Buy This, Not That.” We’ll show you the luxury good or expensive item that you desperately want, and then show you a comparable item at a significantly lower cost. This month, we’re looking at the Louis Vuitton Biface bag, which costs a whopping $6,050 from the retailer. [click to continue…]

Bookmark and Share

{ 0 comments }

Eat Your Way to Debt Relief: Cauliflower Recipes and Ideas

April 16, 2014
cauliflower

One of the easiest ways to reduce your grocery bill is to eat more fruits and vegetables. In addition to being cheaper than meats, produce is healthier, and a healthier diet can lead to lower medical expenses. One excellent meat substitute is the protein-packed cauliflower, thanks to its versatility, affordability, and nutritional content. A hearty [...]

Bookmark and Share
Read the full article →

Welcoming Talking Cents Guy, Personal Finance Expert

April 15, 2014
talking cents guy

I know how hard it is to manage personal finances and how appealing credit cards can be. I’ve been in debt myself, and though I managed to get out of debt, the urge to spend and turn to plastic is still something I deal with every day. But I’m here to help you live better [...]

Bookmark and Share
Read the full article →

How to Sublet Your Apartment This Summer

April 14, 2014
how to sublet

In Boston the subletting season is upon us. This is when the college students in the area flock to their hometowns or to new cities for internships and summer jobs, or to new countries on study abroad trips and sublet their apartments for the summer months. A sublet contract is an agreement between a tenant [...]

Bookmark and Share
Read the full article →

5 Things You Should Teach Your Kids About Money

April 11, 2014
teach children to save day

Talking Cents and American Consumer Credit Counseling are celebrating National Teach Children to Save Day and Financial Literacy Month, and it’s a great opportunity to teach your kids about money. But what should you teach them and how? Use this presentation as a resource to jump start money skills with your children at any age. [...]

Bookmark and Share
Read the full article →

It’s Time to Check Your Credit Report

April 10, 2014
credit report check

Want to know what lenders see when they review your credit and make a decision about your credit worthiness? Want to protect yourself against fraud and errors that could impact your financial future? The solution is simple…check your credit report. Your credit report is a history of everything you are doing with your credit and [...]

Bookmark and Share
Read the full article →

Eat Your Way to Debt Relief: Grocery Shopping With a Plan

April 9, 2014
groceries

By purchasing your own food and cooking it at home instead of ordering takeout or going to a restaurant, you can save thousands of dollars a year while also getting healthier. However, part of the process is also shopping smart when at the grocery store. Grocery stores are gunning for profits just as much as [...]

Bookmark and Share
Read the full article →

Tuesday Tip: What if You Lose Your Wallet?

April 8, 2014
wallet

Losing your wallet can be stressful. Did you leave it on a bus? Is it on the coffee table at home? Maybe you were targeted by an army of adorable yet devious pickpocket children. Regardless of what happened, it’s important to know what you have lost and what to do next. The best thing to do [...]

Bookmark and Share
Read the full article →

8 Credit Card Mistakes to Avoid

April 7, 2014
Credit cards

We all know that credit can be confusing. When it comes to using credit cards, some people use them to pay for every expense and there are others who avoid them at all costs. If you use credit responsibly, it can be very rewarding and can even improve your credit worthiness which will help when [...]

Bookmark and Share
Read the full article →