Budgeting & Spending - 360 Degrees of Financial Literacy http://www.360financialliteracy.org/index.php/Topics/Budgeting-Spending en-US The Frugal Habits of Millionaires http://www.360financialliteracy.org/index.php/Topics/Budgeting-Spending/Budgeting-and-Saving/The-Frugal-Habits-of-Millionaires http://www.360financialliteracy.org/index.php/Topics/Budgeting-Spending/Budgeting-and-Saving/The-Frugal-Habits-of-Millionaires We've all heard the saying "It takes money to make money." So how can you find extra dollars to save and invest? If you're looking to improve your financial position, consider putting some of these habits into practice.

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Wed, 19 Feb 2014 15:35:06 EST
Think Outside the Shoe Box When Organizing Financial Records http://www.360financialliteracy.org/index.php/Topics/Budgeting-Spending/Budgeting-and-Saving/Think-Outside-the-Shoe-Box-When-Organizing-Financial-Records http://www.360financialliteracy.org/index.php/Topics/Budgeting-Spending/Budgeting-and-Saving/Think-Outside-the-Shoe-Box-When-Organizing-Financial-Records If you've ever had trouble finding an important financial document, you know why it's necessary to keep your financial records organized. Less clutter means less stress, and though you'll need to commit a bit of time up front to organize your files, you can save time and money over the long term when you can find what you need when you need it.

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Thu, 16 Jan 2014 14:38:20 EST
Don’t Make These Five Online Shopping Mistakes http://www.360financialliteracy.org/index.php/Topics/Budgeting-Spending/Holidays/Don-t-Make-These-Five-Online-Shopping-Mistakes http://www.360financialliteracy.org/index.php/Topics/Budgeting-Spending/Holidays/Don-t-Make-These-Five-Online-Shopping-Mistakes Online spending in the United States is expected to hit $370 billion by 2017, up from $262 billion in 2013, according to Forrester Research. Consumers were most likely to shop for books, stationery or office supplies, followed by apparel and consumer electronics, based on an NPD Group study. Online shopping can be a great convenience, but there are steps you should take to ensure a safe and satisfying experience. Here are five mistakes to avoid.

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Thu, 14 Nov 2013 13:55:35 EST
Take Control of Holiday Spending! http://www.360financialliteracy.org/index.php/Topics/Budgeting-Spending/Holidays/Take-Control-of-Holiday-Spending http://www.360financialliteracy.org/index.php/Topics/Budgeting-Spending/Holidays/Take-Control-of-Holiday-Spending What are your holiday shopping plans this year? American retail holiday spending totaled about $580 billion in 2012, according to the National Retail Foundation, up 3% from the previous year. This is clearly a time of year when people dig deep into their pockets to pay for holiday gifts and celebrations, but that doesn’t have to put a dent in your budget. 

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Thu, 14 Nov 2013 13:50:38 EST
Should You Buy or Lease Your Next Vehicle? http://www.360financialliteracy.org/index.php/Topics/Budgeting-Spending/Cars-and-Auto-Insurance/Should-You-Buy-or-Lease-Your-Next-Vehicle http://www.360financialliteracy.org/index.php/Topics/Budgeting-Spending/Cars-and-Auto-Insurance/Should-You-Buy-or-Lease-Your-Next-Vehicle When planning for your next vehicle, the big question will be whether to rent or buy. Before making a decision it’s important to weigh a few key considerations, including monthly payments, maintenance, value and insurance. The following chart can help guide you in your next automotive adventure.

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Wed, 14 Aug 2013 18:31:39 EDT
15 Ways to Save on Your Next Vacation http://www.360financialliteracy.org/index.php/Topics/Budgeting-Spending/Travel/15-Ways-to-Save-on-Your-Next-Vacation http://www.360financialliteracy.org/index.php/Topics/Budgeting-Spending/Travel/15-Ways-to-Save-on-Your-Next-Vacation Whether your vacation budget is big or small, no one likes to spend more than necessary when traveling. Here are some tips that can help you save on your next trip.

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Thu, 13 Jun 2013 17:30:05 EDT
Cost-of-Living Adjustments: What They Are and Why They Matter http://www.360financialliteracy.org/index.php/Topics/Budgeting-Spending/Budgeting-and-Saving/Cost-of-Living-Adjustments-What-They-Are-and-Why-They-Matter http://www.360financialliteracy.org/index.php/Topics/Budgeting-Spending/Budgeting-and-Saving/Cost-of-Living-Adjustments-What-They-Are-and-Why-They-Matter Read More »

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Thu, 21 Mar 2013 11:12:47 EDT
I'm going on a cruise--do I need to purchase travel insurance? http://www.360financialliteracy.org/index.php/Topics/Budgeting-Spending/Travel/I-m-going-on-a-cruise-do-I-need-to-purchase-travel-insurance http://www.360financialliteracy.org/index.php/Topics/Budgeting-Spending/Travel/I-m-going-on-a-cruise-do-I-need-to-purchase-travel-insurance Read the Answer »

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Tue, 19 Feb 2013 20:34:31 EST
Real-life Financial Tips for Different Generations http://www.360financialliteracy.org/index.php/Topics/Budgeting-Spending/Budgeting-and-Saving/Real-life-Financial-Tips-for-Different-Generations http://www.360financialliteracy.org/index.php/Topics/Budgeting-Spending/Budgeting-and-Saving/Real-life-Financial-Tips-for-Different-Generations Do you remember The Game of Life®? In Milton Bradley's popular board game, players progress through life stages making decisions that affect their prosperity. Like those players, today's generations face financial decisions with lasting effects. Here are some tips for staying focused despite life's ups and downs.

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Tue, 15 Jan 2013 16:51:14 EST
How to Give Wisely and Well http://www.360financialliteracy.org/index.php/Topics/Budgeting-Spending/Charitable-Giving/How-to-Give-Wisely-and-Well http://www.360financialliteracy.org/index.php/Topics/Budgeting-Spending/Charitable-Giving/How-to-Give-Wisely-and-Well Giving to charity has never been easier. You can donate the old-fashioned way--by mail--but you can also donate online, by text, or through social networking sites. According to the National Center for Charitable Statistics, over 1.4 million nonprofit organizations are registered with the IRS. With so many charities to choose from, it's more important than ever to ensure that your donation is well spent. Here are some tips that can help you become both a generous and wise donor.

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Thu, 20 Dec 2012 15:36:54 EST