POSTS WITH TAG: finances

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    Saving for the future is always important -- and never more so than when you have children.

    But much like dieting or exercising, setting money aside may be good for you but isn't always easy or fun. Most people would rather talk about the next hot stock pick than about their will, notes Jeff Romond, president of St. George Financial Partners.

    But establishing a solid financial foundation should be a top priority when you're a parent. Even with the best intentions, it can be hard to figure out where to funnel those funds with so many choices available. But not to worry! We've broken it down for you. (You're welcome.)

    Here are 3 accounts every parent should have

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    Moving back in with our parents. It happens to the best of us. Sometimes, it's out of necessity; sometimes ... it's for all the wrong reasons (free service at Mom's Laundromat, anyone?).

    We asked moms when they thought it was okay to move back in with Mom and Dad (particularly when you've got kids) and when it wasn't, and their answers, though debatable of course, are pretty hard to argue with.

    Here are 15 acceptable reasons -- and 15 pretty unacceptable reasons -- for moving back in with the parents.

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    It really doesn't matter how well off you are -- it's pretty safe to say that every single one of us could probably be a little bit more diligent about saving some of our hard-earned cash versus spending it at every chance we get.

    Sure, having nice things, taking vacations, and dining out at restaurants multiple times a week is fun, but having a cushion set aside "just in case" is definitely something we should all work toward.

    But when it comes to just how far some people will go to save a buck -- be it by pure necessity or plain frugality -- let's just say some are a bit more creative about it than others. While there are plenty of us who are comfortable with the standard "10 percent of your paycheck goes into savings" rule, that simply isn't financially savvy enough for others.

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    Several years ago our circumstances changed quite a bit when my husband left his established job to launch a business. I couldn't have been more supporting of his decision, and I was thrilled that he had the courage to follow his dream in such a big way -- but I hadn't realized how much a drastically reduced salary would impact our daily lives. At first it was enormously challenging, as I'd analyze nearly everything I did in order to determine if it fit within our newly tightened budget. Eventually, however, things greatly simplified: by and large, I just ... stopped spending money on non-essential items.

    These days our budget isn't nearly so cramped. We have discretionary income again, and I don't budget like I used to. I'm also pretty sure my parenting has suffered as a result.

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    I keep a list of stuff I want to buy ... eventually. I keep adding items to it, and it never seems to get any shorter. Why? Because of a competing list: Stuff I have to buy. You know what I'm talking about: Home repairs, summer camp, baby's new shoes. All that stuff responsible grown-ups have to take care of. Derr! STUPID RESPONSIBLE ADULTHOOD RUINING ALL MY FUN. Sometimes those necessities are so boring. I don't mean to complain, but -- oh what the hell. I'm going to complain.

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    It's the last day to do your taxes. Odds are some of you took care of this dreaded annual task the minute you had your paperwork lined up. But for some of us (yes, that's right, me too), today will be a long day (and night) of sorting through receipts, glaring with despair at our calculators, and shaking our fists at the heavens.

    It's true. Doing taxes? That's no fun. Doing them at the last possible moment before midnight? That's even less fun. We can't turn back the hands of time for you, but we can help. We've compiled a list of 5 stress-reducing tips for the last-minute tax filers among us. So take a breath, eat a cookie, and keep reading.

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    I always thought this Real Housewives of Miami star's assets were fully loaded and secure. But apparently not! Joanna Krupa is facing foreclosure on her home because she owes nearly $725,000 in mortgage backpayments. Oof! And it gets worse, because this house was sold in 2004 for $670,000 -- so she may be one of those unfortunate people who owes more for her house than it's actually worth. Celebs: They're just like us! They also face foreclosure, womp womp

    But hey, I'm not here to engage in gross schadenfreude -- really, I swear it. I'm genuinely sorry for Krupa. This must suck for her, especially since it's all over the tabloids. I'm wondering what her options are, since it also looks like she's out of a job, too.

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    Quick, check your credit card statement. Do you see a charge for $9.84? The warning sounds like a scam itself, but check anyway. The Better Business Bureau is warning consumers about a credit and debit card scam that's been sucking $9.84 -- exactly that amount -- from thousands of accounts all over the nation. The idea is that it's such a small sum, people are less likely to notice it. But 10 bucks times thousands is adding up to quite a bundle for someone.

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    Whoa. How much would you say your average weekly grocery bill is? Mine is at least $100 to $200, which is why I'm absolutely blown away by a mom who supports her family of five on $150 per month -- all because she's so skilled at using coupons.

    Michelle Reis is so savvy at extreme couponing that she spends two hours a day on clipping them in addition to her full-time job. Yep. Instead of zoning out, taking a snooze, or reading a book on her train commute to and from work, she clips and clips and clips in an effort to make sure she can spend as much time with her three kids as possible.

    And she's so good at couponing, Michelle even recalls a time where she went to Walmart -- and the store owed her $215 at the end of her transaction. And over the past few years, she's saved over $45,000.

    (Wow. Really? That's pretty cool.)

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    Snort. You gotta love it when people come up with insane excuses to avoid getting into trouble. Like the dude who cited grief over the death of his goldfish as a reason for paying his taxes late.

    Supposedly the guy didn't want to pay a $165 penalty for filing his tax return late, so he came up with the brilliant idea of pleading depression over a dead fish.

    Check out this video clip to hear more.

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