Electricity doesn't cost the same no matter what time of the day use it. Depending on your utility provider, electricity prices can go up and down depending on how much demand there is at any given time. If it's hot muggy weather the way it's been this summer, and if everyone's using their air condi
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For most families, groceries are a biggie when it comes to the family budget. The average family according to the Bureau of Labor Statistics, spends about an eighth of the family income on food. And as the prices of wheat, corn and other staples rise, you can only expect that by this time next year,
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If you caught the opening scenes on The Social Network, you probably know that people can get rich studying how cold or warm the weather will get the following year and then speculating on energy. Well, the weather last winter certainly was unseasonably cold; and summer this year has been unseasonab
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When magazines and TV shows get on a subject, there's no getting them off it. Shouldn't pieces done in these media on personal budgeting give it a rest telling people to lay off the Starbucks lattes every morning because it makes no financial sense today to lay out five dollars every day for this lu
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Credit cards can be a great thing. They offer you the way to buy something with an installed repayment plan. However, they are not as simple as they seem. For some people, a good interest rate is part of the package because they have great credit. For others, however, the interest rate is not what i
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When personal computers came on the market in the 70's as something you could use at home for the family, personal finance software was one of the most important things the marketing people thought the general population could use it for. Over the years, tools like Quicken and Microsoft Money have c
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