FrugalWorld

A collection of freebies, sweeps, coupons, frugal tips and more… updated daily with resources to save you time and money.

Americans More Frugal Post Recession

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“Five Years After” the 2008 financial meltdown, Americans are more likely to both invest in 401(k)s and IRAs, and carry less personal debt. This was the finding of a report released this week by the country’s second largest mutual fund company, Fidelity Investments. Read more…

Download The Debt Resistors’ Operations Manual

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Anyone who has ever found themselves either struggling with debt or on the receiving end of harassing debt collector calls wishes that there was some form of manual that would give them tips on both dealing with the situation and even fighting back. Well, apparently there is. Read more…

Military File Free With TurboTax

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If you’re in the U.S. military, E-1 to E-5, TurboTax has a deal for you: free filing of both federal and state income tax (E-6 to E-10 and officers pay $24.99). Log into the TurboTax Military Edition to get started (mmm, refund checks).

New Credit Card Surcharges Coming Sunday

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If you own a Visa or Mastercard, be warned: new rules allow some merchants to start charging a surcharge on your purchases starting on Sunday.

The surcharge is supposed to equal the actual cost of processing the credit card transaction, which is typically 1.5 to 3 percent. Under the agreement, the fee is capped at 4 percent. The surcharge can vary based on the type of card. For example, it could be higher for a rewards card or premier card.

There are a ton of “but”s attached to this new charge. If a retailer also accepts American Express, they will not be able to apply the charge to Visa and Mastercards (AmEx doesn’t allow surcharges, and the retailers would have to uniformly apply the charges to all credit cards). Credit card surcharges are banned in the following states: California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma and Texas. And the National Retail Federation claims that most large retailers (many of whom they contacted) would not be implementing the charge, at least in the short term (long term? Well, what do you think they’ll do… yeah, me too). Smaller retailers in the short term, however, may be another matter. FYI.

Source: NBCNews Business

20 Frugal Resolutions for the New Year

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Lose weight. Quit smoking. Exercise more. Finally conquer that irrational fear of clowns, once and for all. New Year’s is a perfect time to roll out the resolutions, those pledges to change something in your life, start anew, tabula rasa. Why not concentrate this year on a few frugal resolutions and get your financial house in order?

Even small changes to the way you do things in your life can add up to big savings, and more happiness. The following twenty frugal resolutions aren’t necessarily profound, but they’re all great steps towards saving more money in the New Year. Select as many as you want, physically write them down into a list, and tape it next to your bathroom mirror so you don’t lose track of them.

Image courtesy of  FreeDigitalPhotos.net 

Read more…

Books: “Worth It… Not Worth It?” by Jack Otter

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The Executive Editor of CBS MoneyWatch.com takes a look at some of the pressing financial questions you’ll run across in your life and boils it down to a simple question: “Is it worth it?” Read more…

Report: Beware Senior Checking Accounts

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A new report by the Pew Safe Checking in the Electronic Age Project finds that far from being a plus for seniors, checking accounts geared specifically towards seniors may offer no appreciable benefits or even cost more than traditional basic checking accounts. Read more…

Protecting Your Savings From Inflation

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This CNN Money video looks at ways that you can prevent inflation from chipping away at your retirement savings. Read more…

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