Category: How-tos

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We tend to agonize over how high our income taxes are, but ultimately we cave in thinking that it’s just something beyond our control.  And then again, income tax rates aren’t actually as fixed as we may think.  The fact is that you can control how much money you pay for your income tax, and there are a number of... Read More

Whether you are motivated by a stroke of inspiration or a desire to become your own boss, to be an entrepreneur is, essentially, to be a dreamer.  Indeed, becoming a successful entrepreneur starts with having a great idea.  Sure, anybody can start up their own business, but not everybody can come up with a truly innovative venture and make it... Read More

A good percentage of our household expenditures are spent on groceries.  But as prices continue to rise, we end up spending more and more on our groceries, which could leave not much left for our other living expenses.  Fortunately, it is possible to carefully monitor your grocery budget and shopping habits, so as to adapt to the rising costs and... Read More

Early on in life, most children usually view money in very simple terms.  To them, it’s basically what people pay to buy stuff.  It hardly registers in their minds that money is a limited commodity; they just tend to think that mommy and daddy have an endless supply of it.  Eventually, they will get the chance to find out what... Read More

What do you do if you have a low-paying job that doesn’t leave you much money to live on?  The easy answer would be to go look for a better-paying job.  But if you’re stuck with your current occupation, and your poor paycheck barely covers your living expenses, here are a few steps you can take to make the most... Read More

If you are raising a special child, you know that you have to invest a lot of time, care and attention in order to see to your child’s well-being.  Aside from his personal and emotional needs, preparations would also have to be made regarding his education and medical needs.  However, the financial costs of such special care can be very... Read More

Education is the most valuable gift that you can give your child. However, as with anything of great value, education doesn’t come cheap; particularly the cost of getting your child into a good, reputable college. But parents need not resort to cheap, substandard schooling for their children, or to stop sending them to school altogether. Fortunately, there are some strategies... Read More

At first, one would think that it’s very easy to distinguish what a person needs from what he wants.  A need is something that is necessary for a person’s survival, while a want is merely what a person desires to have.  It sounds so simple, but that is not always the case.  Sometimes, the line between a need and a... Read More