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Money-Saving Tips

Part of being a good steward involves making good spending decisions. Here we profile ways to reduce your spending on a variety of items, as well as general principles for cost-conscious living.

When you see a title of interest, click on it to view the complete article. (Note that links with the key symbol [Members Exclusive Content] are locked to visitors and available to Web Members only.)
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By Michael Cave, CLU, ChFC
How would you like to earn 14% on your savings this year? That's right, the same savings currently earning less than 1% in your money market account. We explain how to take advantage of this opportunity for big returns year after year.
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By Andrew Pryor
Have you ever figured out what your holiday gift-giving actually costs you? We provide a few tried and true ideas to help keep the lid on your holiday expenses this season.
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By Matthew Pryor
Everyone loves a sale, but what should you do when an item you need to buy isn't on sale? Good news: by following these three simple steps, you can often save 15% or more even when there's no sale going on!
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By Joseph Slife
Smartphones are revolutionizing the way people bank. It's estimated that within five years more than 85 million Americans will bank via mobile devices. What are these mobile masses getting?
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By Joseph Slife
Trying to keep down your cost of living? Don't overlook simple money-saving steps you can take to lower your utilities.
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By Wilson J. Humber
Here's a simple strategy for climbing out of debt and getting onto a path that leads to long-term financial health.
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By Joseph Slife with Matthew Pryor
Comparison shopping for prescription medications is easier than ever before. And while you won't find dramatic price differences every time, you can often come up with significant savings.
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By Joseph Slife
As new laws and regulations crimp bank revenues, it looks like one casualty is going to be the widespread availability of free checking. But here's the good news: even as some larger banks stop offering free accounts, smaller banks may begin to focus on free checking as a way to gain a competitive edge.
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By Shannon Plate
You can probably entertain your family for less than you're currently spending. Lots of lower-cost alternatives are within easy reach.
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By Mary Hunt
Think you can't get into financial trouble if you use a debit card rather than a credit card? Think again. Debit cards carry plenty of risks too.
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By Jill Barville
Planning your wedding doesn't have to be an exercise in frayed nerves and busted budgets. With flexible strategies, savvy shopping, and creative approaches, planning a wedding can be a positive and educational experience — for both bride and groom.
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By Liz Pulliam Weston
Unable to make ends meet? You may not want to hear this, but the culprit may be sitting in your driveway.
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By Matthew Pryor
A "smartphone" can be a terrific tool for tracking your spending and keep your finances up-to-date. We review several apps that can make it happen.
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By Joseph Slife
The financial payoff from setting aside a day to tackle your financial to-do list is likely to be well worth your time.
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By Matthew Pryor
Faith-based personal-financial bloggers are a great — and growing — resource for readers seeking solid advice from a Christian perspective.
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By Joseph Slife
Taking steps to prepare for a power failure is a wise investment that's almost certain to pay off — eventually. We explain how to prepare, and what it's likely to cost up front.
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By Matthew Pryor
How do you actually implement a spending plan and stick to it? We offer an overview of several common methods used to stay on budget.
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By Matthew Pryor
Making financial progress requires setting limits in each of your spending categories. Here's how.
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By Matthew Pryor
Tracking your income and expenses is the first step toward becoming a faithful steward of what the Lord entrusts to you.
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By Matthew Pryor
If you'd rather not make financial progress in 2009, we have some excellent excuses you can use.
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By Scott Houser, CFP
Your personal finances are largely dictated by two factors: income and spending. For most people, spending is much more easily adjusted than income, making it a natural target for those wishing to shore up their financial health. Here are 9 money-saving tips from SMI's king of the bargain hunters.
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By Scott Houser, CFP
Your personal finances are largely dictated by two factors: income and spending. For most people, spending is much more easily adjusted than income, making it a natural target for those wishing to shore up their financial health. Part 2 of this article on smart spending strategies offers 9 more money-saving tips from SMI's king of the bargain hunters.
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By Marc Eisenson
Have a mortgage? There's a sure-fire way to cut its cost over the long term. But first, you may need to change your way of thinking.
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By Michael Cave, CLU, ChFC
How would you like to earn a 15% return on your savings this year? That's right, the same savings currently earning less than 4% in your money market account. We explain how this opportunity for big returns exists year after year.
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By Matthew Pryor
You can now track your spending, check your balances, and monitor your cash flow via the Internet — using a no-frills site that doesn't cost a thing.
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By Mary Hunt  DPL
Can you really have an all-cash Christmas? Sure. Financial tipster Mary Hunt has ideas on how to make it happen.
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