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Hardships  |  My GreenGuide®

  • Fraud Prevention: Tips and Advice for Seasond Investors. If it sounds goo good to be true, it probably is.
  • How much should I be saving for emergencies? Creating an emergency savings fund is the first step in preparing for the unexpected. Click here to learn more.
  • Steps to Slicing Away Student Debt. Student loans can be an invaluable resource, but they can also put a crimp in your finances. Click here to learn more.
Tips
Tips icon
  • Save Time
    Call it the "two-minute rule": when an item at work or at home comes up that takes two minutes or less to complete, do it immediately. It's one less thing to add to your list.

    Save Money
    Track every expense to save money (spreadsheet, online banking tools, budget software, etc.). By knowing where all your money goes, you can begin to prioritize where you can save.

    Save for the Future
    Make a serious effort to define your goals today. How much will college cost? When are you buying a house and what is your realistic budget? When do you want to retire? How much will you need in retirement?
  • Save Time
    Sleep more. Yes, sleep more. By incorporating a 15-20 minute power nap into your routine, you'll be more alert and efficient at work, saving time during your day.

    Save Money
    Think of saving as a central goal in itself: every time you rent a movie, eat at a restaurant, buy a coffee or luxury item, you are delaying your goal. Alternately, when you spend money on luxury items, transfer an equal amount into your savings.

    Save for the Future
    Spend less than you earn. Crazy, right? How do you achieve this? Start with a budget. Knowing your income & expenses will help you reduce the need to borrow (credit cards, loans) and allow you to save.
  • Save Time
    When you make a trip to the grocery or just pick up a pizza for dinner, ask friends in the neighborhood if they need anything while you're out. Save them time or a trip today, and they'll likely do the same for you next time.

    Save Money
    Entertain at home. Save money by having friends over to your house or apartment to share a meal, enjoy a wine tasting or create a dining club. Take turns hosting and cooking the main course while guests can provide appetizers, salads and dessert.

    Save for the Future
    Pay yourself first. For instance, set aside a percentage of your income each pay period by setting up an automatic debit each month into a savings account.
  • Save Time
    App parties are springing up in museums, galleries and homes across the country. Invite your friends to come with their smart phones ready to share their favorite time-saving apps while picking up new ones — you could even use a new social app to organize it.

    Save Money
    Take a cold hard look at your recurring monthly bills to realize savings: cell phone, home phone, cable, internet, electricity, memberships, insurance, subscriptions, etc. It's the items we are habituated to paying that we tend to gloss over when looking to save money.

    Save for the Future
    Plan your purchases by the season for the most savings. For example, wait for Black Friday purchases in November for any big-ticket items. Post-Christmas January sales offer great discounts.
  • Save Time
    Two words for you: meal planning. If your family eats dinner at home seven nights a week, it's easier to plan and shop for those meals all at once. It saves time and money, too, as you stick to your list rather than splurging on items.

    Save Money
    Slow down on the highways: according to the Department of Energy, every five mph you drive over 60 mph is like paying an average extra 29 cents per gallon (based on a $3.65 per gallon price).

    Save for the Future
    Considering building a new home? Think small. Sites such as weehouses.com, cottagecompany.com, smallhousestyle.com and notsobighouse.com offer appealing sustainable designs that will save money in the short and long term.
  • Save Time
    Everyone's inbox is overflowing with email. Don't put off getting to the bottom of it at least once a day by opening one item at a time and don't look at the next until you decide a course of action for the first. Deal with it now to save time later.

    Save Money
    Save around 10 percent a year on your heating and cooling bills by adjusting the temperature 10°-15° for the eight or nine hours you're at work with a programmable thermostat. It's easy!

    Save for the Future
    It’s never too soon to teach your children about the value of saving money. Use helpful online tools and resources like The Stock Market Game™, Money Talks (in English and en español) and Reality Check.
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