Wrap it Up, I’ll Take It – or Maybe You’d Better Not! By now, most of us are familiar with check-cashing schemes.  We know that any time someone you don’t know sends you a check or money order and asks for money back, it’s a scam.  The scammers always have some far-fetched reason: – they’re stuck out of the country; they need […]

Who, in this day and age, does not have a bank account?  Well, when I first moved to the United States, I was appalled to learn that my future husband, in fact, did not.  He had convinced his employer, a small, privately-owned auto parts salvage yard and recycler to cash out his check every week.  Nevermind the fact that he would walk around […]

Childcare costs are one of the largest expenses a family with children will face. This is especially true for single parents or for families where both parents work full time.  Finding ways to save money on childcare costs without sacrificing your child’s care is a top priority for all working parents.  Here are some tips […]

According to The Department of Labor, the average American spends 12.4% of their income on food. Up to 47% of that is spent on eating out, so it’s a no-brainer that curbing restaurant trips is a great way to reduce spending on food. But food is on the necessity column of our budgets. We cannot […]