Category: saving

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What, If Anything, Have You Given Up During This Recession?

Every day on the news (which I really need to stop watching, to be honest), there are stories about families giving up this or that due to the continuing downturn in the economy. As I mentioned the other day, we have not really felt that much of an impact yet due to where we live and what we do for a living, but people are really struggling out there. Some are giving up “luxury” expenses, like nights at the movies, while others are selling their second cars and making due with just one. Each situation is different, of course, dependent upon income level, job security, location, size of family, etc.. But as I see each of these stories, I cannot help but give some thought to the things that I would definitely give up immediately if we were in a financial bind due to the economy, and this is what I came up with:

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16
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Do You Cut Coupons? And If So, Where Do You Find Them?

Although I would love to find/use more of them, we have a hard time with using coupons because of the kind of products we buy. We purchase as much organic, natural, local foods as much as possible, and it is very rare to find coupons for those types of goods. I did once find a coupon for organic yogurt from Stonyfield Farms, and I do use coupons that Seventh Generation have on their site for their own cleaning products when I need them. Every Sunday I see all the coupons for junk food and foods full of artificial ingredients, but because we don’t buy them they all go to waste. So my question to you is…do you use coupons?

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0
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TradeKing Now Reimbursing New Clients For $150 In Account Transfer Fees.

If you have been thinking of switching your brokerage house, now might be a good time to consider TradeKing. They are running a special where they are offering to reimburse new clients for up to $150 in account transfer fees, and once your account is over there trades are only $4.95 each. Is your brokerage that cheap? These guys have also been rated the #1 online broker for 2006 and 2007 (are 2008 numbers out yet?). Anyway, if you have been considering a switch, you might want to switch to TradeKing and get up to $150 of any brokerage transfer fees reimbursed.

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10
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The Six Worst Tax Cuts in the Senate’s Stimulus Plan Package.

According to Citizens for Tax Justice, here are the six worst tax cuts (PDF Download) in the Senate’s version of the stimulus package, which will cost $123 billion more than the original House bill would have:

1. The Alternative Minimum Tax “Patch”

Projected Additional Cost Compared to House Bill: $70 Billion
Why It Won’t Help the Economy: Bulk of benefits go to richest 10%.

2. Home Ownership Tax Credit

Projected Additional Cost Compared to House Bill: $35 Billion
Why It Won’t Help the Economy: Benefits wealthy taxpayers and could inflate housing prices.

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3
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Do You Qualify For Extra Tax Rebate Money From Last Year’s Stimulus?

Did you know that if you did not qualify for the tax rebate last year, you can try to qualify for it again this year? For instance, if your income was too high or you did not make enough last year to qualify for the rebate, you might be able to get it this year by asking for it on your 1040 form this year. According to the IRS, this credit is a new refundable credit that is related to the 2008 economic stimulus payment. Generally, a credit increases the amount of a refund or reduces the amount of taxes owed. Those who did not receive their economic stimulus payment (or did not receive what they were fully entitled to) in 2008 are eligible for the credit. Here are a few FAQ’s from the IRS website that will help you determine if you are eligible for the tax rebate this year:

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