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My Binder System for Organizing Some Important Areas of My Office and My Life

Family Balance Sheet

Some people keep their recipes on the computer, but I prefer my binder with its well-used, splattered pages. I keep separate binders for our Business Expenses & Statements , Business Taxes , Health Savings Account , Retirement , my passwords (with alphabet tabs), and Workouts. Do you use binders to stay organized?

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19 Awesome Freebies Things for College Students

Coupons Do Work

Join on-campus clubs and organizations, you might be able to get free lunches and dinners several times a week. Even if you just attend one club meeting a week, you could save as much as $50 a month in food. Another way to get free meals is to volunteer for alumni association events and attend student club evening mixers.

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Competing With Yourself To Save On Utility Bills

Prairie Eco-Thrifter

Whether you put the savings in a savings account, splurge for an extra drink next time you are at a restaurant, or buy a bigger box of popcorn at the theatre, it’s important to give yourself a little bonus when you succeed at your goals. Make sure you keep your appliances clean and free of dust and crud. . -

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How I Organize My Paper Files and Filing Cabinet

Family Balance Sheet

I haven't embraced a paper-free lifestyle yet. And I still use a filing cabinet for my office papers, instead of scanning them onto the computer. Major Category: Insurance - My sub-files are Auto, Health, Health Savings Account, Home-Owners, Life. I still prefer a paper day planner over my google calendar.

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Do the Rich Use Debt Differently?

Prairie Eco-Thrifter

When I was a mainframe computer programmer and project manager, we used a relational database product from IBM called DB2. Don’t leverage your margin account with a put or call that could cascade way out of control and out of the bounds of your ability to pay the margin call should it come. Not really. Money Tips'

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Ways to Build Credit Without Relying Solely on Credit Cards

Prairie Eco-Thrifter

Visit AnnualCreditReport.com to obtain free copies of your credit report each year from all three of the credit reporting agencies (Equifax, Experian and TransUnion). Bank accounts don’t factor into your credit score, but the relationship you have with your bank might lead to financing opportunities. First, correct any errors.