4 smart things to do with your tax refund

With the average refund standing close to $3,000, you probably already started thinking of all the ways to spend your windfall.  Contrary to popular belief, not everyone runs straight to the mall...

How to declutter your life in 9 easy steps

Not everyone is a natural born neat freak. There are some of us who just seem to be surrounded by "stuff" everywhere we go. Whether it's stacks of napkins in the car, piles of paper waiting to be...

Young and broke: How to travel the world with little money

Want to explore the world but have limited funds?  Contrary to popular belief, you don’t have to be rich to travel.  You just have to plan ahead and think outside the box.  Yes, you’ll have to skip...

Feeling doubtful? 6 tricks to instantly feel more confident

Sometimes we're our own worst critic.  We see all these people doing wonderful things and we worry that we won't be able to measure up.  The reality is nobody feels confident 100 percent of the...

5 sleep tricks to doze off faster

A big part of living a healthy lifestyle is getting adequate rest.  Ideally, you want to doze off for at least 7 hours a day.  Unfortunately, 35 percent of adults aren't getting enough shut eye and...

Prepaying won't always save money

Determining whether it's good or bad to buy a prepaid item depends entirely on what's being offered. There's no universal advice or rule of thumb. Here's a guide to some of the common forms of prepaid offers consumers might encounter, separated into whether you should...

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Learn when to refinance mortgage

Mortgage rates have hit historic lows. But does that mean you should refinance? As with many personal-financial issues, it depends. Check these sites for guidance on your own situation. – Things to know. Bankrate.com offers "four things you should know before you...

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