Everyone is trying to land the next big idea today. It doesn’t matter what type of business you’re looking at, there are plenty of people who are trying to work their way in. One of the most prohibitive things about starting up a new business, of course, is raising enough money to get your business off of the ground. Well, we’re here to say that that whole process is totally unnecessary. In fact, you can get a business started with as little as $50. That’s the best way to get your business going, as you won’t need to take out…

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Most of us have made financial mistakes in the past. From bad decisions with credit when we were college students to waiting too long to start our retirement funds, we all have a few financial regrets in our histories. For this reason, most of us want to teach our kids how they can do better and avoid so many typical financial blunders. The truth is that most parents wait far too long to start teaching their kids about how to be smart with money. Very young kids are actually quite responsive to lessons about finance, especially simple principals like using…

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It is estimated that 40 percent of people in America are skipping their yearly vacation. It is important to take some time off from your job in order to reduce your stress. Vacations also allow you to experience new things and create memories with the people you love. A lack of funds is one of the reasons that many people opt to skip their yearly vacation. Fortunately, there are many things that you can do in order to save for a vacation. Start a Vacation Fund You should start a savings account just for your vacation expenses. Set your account…

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Shopping for jewelry is rarely a simple process. Between the high prices and gemstone jargon, the experience can be downright intimidating. The best method for finding a perfect gem is to approach the purchase like a professional jeweler. Before buying a piece of jewelry, take the following tips into consideration. Do Your Research There’s no shortage of options when it comes to jewelry stones, metals and styles. While it may be difficult to match the knowledge of an experienced jeweler, a shopper should still take the time to look into a few basics. For diamond buyers, this will mean understanding…

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Every year, the Internal Revenue Service (IRS) issues reminders to avoid tax season scams. And every year, the masterminds behind these scams continue to defraud honest taxpayers with convincing frauds that mimic authentic options for filing and paying taxes or receiving tax refunds. In this article, learn about some of the most prevalent tax season scams for this year and how to spot the signs so you don’t get scammed. Scam 1: The scary IRS phone call scam. While just a handful (between 0.50 and 0.86 percent) of tax returns trigger IRS audits annually, knowing this doesn’t seem to lessen…

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Being cheap is about spending less and almost never about quality; being frugal is about prioritizing your spending so that you can have more of the things you really care about. Those who are cheap are often afraid to spend money and will sacrifice quality and value in order to cash in on short-term savings. Everybody knows a cheap person, and probably dislikes them. But I think we often mislabel frugal people as “cheap”. In this article, you’ll learn difference. Meet Your Average Cheapskate If you enjoy saving money at least as much as you enjoy spending it, you may…

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Buying in bulk and taking advantage of awesome coupon deals is a great way to feed your family on a budget. However, for many food items, their expiration dates come up faster than you can eat them and then you have wasted both food and money! Luckily, there are lots of food staples that have incredibly long shelf lives that are perfect for stocking your pantry. Whether you are stocking up for a potential emergency or just utilizing great coupons and sales, these items can stay in your pantry for years into the future. Check out the list below for…

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41 percent of all people rent their housing nationwide. With this number of people out hunting for rental housing every day, it is safe to say your landlord will have been through the rental process many times before you arrive! For your landlord, it is a numbers game to keep all the units full. But for you, you are selecting your new home, and you need to do it with the utmost care. In this article, learn what you need to know before renting your first apartment. 1. Plan out your monthly budget carefully. Landlords handle this aspect in different…

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The next time your looking to place a classified ad in the Pennysaver be sure to check out our all new Self Service order system. It’s fast, it’s amazing and you can do it from anywhere you choose anytime of the day or night. No need to wait for office hours to call. It’s called ADS 24/7 and it’s the next best thing to finding mint condition vintage records at a garage sale for a $1. You can place an apartment for rent, a car or boat for sale, an item for sale or advertise you garage sale. All the…

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There is nothing better in the world than being able to stay in after a long, stressful day, and have the time to fit in some self-love and pampering. Most days can really take its toll on our souls, especially after all the annoying, tedious tasks you have to do day in, and day out. Finding the time to set aside for pampering and self-love is difficult enough without factoring in the costs of going to the spa. Most people budgets don’t have the significant stash of money required for pampering themselves. Instead of categorizing pampering and relaxing into a…

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