If you're anything like us, the arrival of spring conjures up images of open windows, sun-filled days and, of course, spring cleaning our finances.
Even if that last one's not on your list of 'Top 10 Reasons to Celebrate Spring', it should be. That's because the arrival of a new season is a great excuse to do some tidying up—both in your house and with your finances.
Spring cleaning your finances doesn't have to take a long time, either. In fact, here are five things you can do right now to help your finances, each of which would take five minutes or less to accomplish.
Image by Richard Cordray (Wikipedia:Contact us/Photo
In a outlandish move, President Barack Obama enlisted Richard
Cordray (someone just informed me that it WAS NOT Rob Corddry
of the Daily Show, so perhaps it wasn't an outlandish move on the
President's part after all...) as the new
Head of Consumer Financial Protection Bureau on Wednesday
January 4, 2011. I'm not exactly sure what a Head of Consumer
Financial Protection (a lilting "HCFP" acronym) does,
besides punish the bad bankers and financial players, but I do know
what I want him to do for me personally.
The holidays are rapidly approaching and not only does that mean
spending time with family and leaving milk and cookies out for
Santa, but, for many of us, it also creates angst over budgeting
and making ends meet. The holiday season is the biggest
retail period of the year, and, according to American Express,
Americans will spend an average of $831 on gifts this year--17%
more than in 2010.
Luckily, there are a number of ways for the savviest consumers to
save, and, for those with excellent credit, the right credit card
can help you save up to $500.
If I asked you how direct deposit works, you'd probably say
something along the lines of: "It's when your employer pays you by
depositing your pay check directly into your bank account."
Whatever the exact wording is, you're likely to mention a "bank
account" or "checking account" somewhere along the line.
While all of that is currently true and to be expected, you answer
might be quite a bit different in just a couple of months.
Ever have that sneaking suspicion that you're paying too much for the products and services you need to make your life more efficient and comfortable? You're like millions of us who feel that there are bargains out there if you can only find them--but who has the time? Maybe during your lunch hour you call your credit card company, for example, to ask for a better rate, but if they say "no," then what? Your schedule is so packed that you aren't able to sift through every credit card plan to find what works best for you. You wouldn't even know where to start!