Savings Tip – Check Out Your Local Library

Looking for fun and free educational and entertainment opportunities for your children? Good news, you can find all of that with a visit to your local library.

Most locations offer free concerts or story times for younger kids, like Saturday Story Times available at the Charles County Public Library. Not only are these events cost effective, they are also influential in getting kids interested and excited about reading at an early age.

There’s always something for teens and tweens too! Game night and a cooking workshop are just two events coming up at Prince Frederick’s Calvert Library.

Most events are usually held at the same time on a regular basis, which can grant moms and dads the ability to arrange a carpool; saving some busy parents another valuable resource – time.

Do you visit your local library?

Savings Tip: Comics from KidsUSA.gov

Did you know that the federal government has an official web portal for kids?

Designed for students through Grade 5, tweens and young teens in Grades 6 to 8, parents and teachers, the site has enough kid-friendly information, facts and figures, quizzes, games and videos to keep youngsters occupied for a good stretch of time. Continue reading

Savings tip: Prevent overspending on in-app purchases

If you visit Apple’s iTunes store you may notice games categorized three ways – top free, top paid and top grossing. Now here is the really interesting thing – the top grossing games are, in general, free to download.

So how are the games earning enough to be considered “top grossing?” The answer is simple – In-app purchases. Continue reading

Savings Tip – Rent a movie!

Is “movie night” fast becoming a thing of the past in your household? Is the cost of driving to the theater, buying tickets and refreshments, and maybe paying a babysitter, too much of a splurge for your budget?

If that’s the case, you’re not alone. TIME.com reports that people’s interest in going to the movies is fading (although not necessarily because of the economy; it’s more about the ticket cost itself), and that 61% of adults in a recent poll said they rarely or never go out to the movies. Continue reading

Savings Tip: Avoid late fees

You work hard for your money; you should keep as much of it as you can! One way to do that is by avoiding late fees, which can take a big bite out of your budget if you’re not careful.

Late fees come in all shapes and sizes, attached to most of the payments you make, from your credit cards to your mortgage. Here are a few words of late payment caution: Continue reading

Holiday Shopping Savings Tips

With a mere two weeks until Christmas, it may feel like it’s too late to save money AND finish your holiday shopping. But fear not! While Black Friday and Cyber Monday are long gone, there are still ways you can get your gift shopping done without breaking the bank.

Many online merchants push the deals right up to the last minute, so you can continue to shop from the comfort of your couch. For the latest discounts make sure you check out those e-mails from retailers you usually ignore. Plus, look for free shipping and save a few more dollars. Concerned gifts won’t make it on time? Most online stores will tell you when to expect packages and what the final order date is for delivery in time for Christmas. Continue reading

Savings Tip: Make an extra mortgage payment, or not?

It’s a split decision. Some experts advise making an extra annual mortgage payment. Others say there are better ways to use your money in today’s tight economy.

Perhaps you’d agree with the advisor who says that chopping time and money off your mortgage debt is an emotional thing, not a financial one. You can picture yourself burning your mortgage at your retirement party — or, better still, years before you retire! Continue reading

Savings Tip: Preparing for Black Friday

As soon as the table is cleared and the dishes are done, many of us will be getting ready for — or already headed out to — what has become a post-Thanksgiving tradition: Black Friday holiday shopping.

But, don’t get caught up in the excitement. If you do, you could end up spending more than you intended, putting a big dent in your budget. Continue reading