How to Use Gift Cards to Save Money

Antonio Guillem / Shutterstock.com Editor’s Note: This story originally appeared on Living on the Cheap. Gift cards and gift certificates are favorite holiday or birthday gifts for many people who want their loved ones to choose exactly the gift they want. Gift cards are high on the list of requested gifts, but many people forget … Read more

Spend Less, Save More With the Cash Envelope System

Moonborne / Shutterstock.com Editor’s Note: This story originally appeared on The Penny Hoarder. In need of a serious money reset? Going back to cash could be the cure for your ailing budget. Popularized by modern personal finance patriarch Dave Ramsey, the cash envelope system encourages you to toss aside your wallet and rely on pre-labeled … Read more