7 Halloween Hacks You Don’t Want To Miss!

That Makes Cents

halloween hacks

Halloween is coming – and so is the fun! Everyone wants to win the prize for creepiest costume and the most frightening yard décor in the neighborhood. But all that spookiness comes with a scary price tag. The average American will spend $169 on Halloween costs this year. And, if that’s not enough to terrify you, consider this: Most people …

Five Must-Have Gadgets for College Students

College Credit

college gadgets

You’ve already got your laptop, tablet and, of course, your smartphone. What more can you need for college? Check out our list of 5 super-convenient gadgets that every college student should know about. 1. Smartpen This is perhaps the most helpful gadget imaginable for students. Livescribe smartpens are incredible. You can use them to capture your notes digitally as you …

6 Times A Bargain Is Not

That Makes Cents

When a bargain is no bargain

In the words of writer Franklin Jones, “A bargain is something you don’t need at a price you can’t resist.” And we couldn’t agree more. With the biggest spending season of the year looming ahead, it’s time to brush up on your shopping smarts. This year, give yourself the gift of an intact budget and a credit card balance that …

Ways To Save On Food Costs

College Credit

Saving on Food Costs

With your mind so muddled with details like classes, exams and papers, who has time to think about food? You might be heading into the new semester with plans to survive solely on convenience food and packaged junk. We’re looking at you, ramen noodles! But as you’ll quickly discover, overdoing the processed foods will leave you feeling not quite full …

Don’t Get Caught In A Free Trial Scam!

Financial Self Defense

Free Trial Scam

There’s hardly a “free trial” that won’t cost you big.  The FTC is warning of an uptick in free trial scams, which come in several shapes and sizes. Here are some of the most common free trial scams: Hidden fees In one such scam, a company aggressively advertised “free trials” for skin care products, dietary supplements and e-cigarettes on various …

What Can I Do About Robocalls?

Life and Money

Unknown caller

If robocalls are getting to you, you’re not alone. Those super-annoying automatic calls have recently exploded, and it’s enough to make anyone go bonkers. More than 30 billion robocalls were made in the United States in 2017. The Federal Trade Commission answered a whopping 375,000 complaints about robocalls each month. Unfortunately, those numbers are only rising. If you feel like …

Beware of “Quick Cash for Your Home” Offers

DYI Home Finance

Cash for home

We’ve all seen ads like these… “We Buy Ugly Houses” “We Pay Cash for Houses” “We’ll Buy Your House for Cash” “Sell Your Home Fast for Cash” They are on TV, on billboards, online, come in the mail, and even on telephone poles and fences. They seem to offer a simple way to sell your home no matter its current …

Pros and Cons of Paying Over Time

That Makes Cents

Payment Plans

How often do you choose to pay for something over time? You have chosen to pay over time when you’ve used a loan or credit card to pay for something. While choosing to pay over time can be convenient, it can also be costly if you don’t consider interest, fees, and other charges. Keep more of your money by minimizing …

Take Five Steps To Save Before You Shop For A New Car

For the Road

Take five steps to save before shopping for a new vehicle.

Yes, you read that headline correctly. If you are thinking of buying a used or new car and you want to save money, we recommend first taking five steps before you even think of heading to a dealership showroom or website to shop. When many of us feel that first itch for a new vehicle, we think first about dropping …

Auto Loans: Credit Unions VS Banks

For the Road

auto loans: credit unions vs banks

Need a car but can’t pay cash? You have three choices: Borrow from the dealer or manufacturer’s financing company, borrow from a bank, or borrow from a credit union. Each method has advantages and disadvantages – but if you can qualify, the way to go is usually with a credit union. Structural advantages of credit unions Credit unions are known …