R4 Mom - Household budget help. Money saving tips and budgeting information for mom.

Mom, Household Budget Help & Finance Information!

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This page gives mom insightful articles on household budget and finance and also provides links to other great internet sites which provide mom with more budget tips as well as offering budget and finance tools to purchase.

Smart Credit Tips for a Recession The country is in a recession and consumers are feeling the pinch of the credit crunch. With banks tightening their lending, it's becoming more and more difficult to get auto loans, mortgages and even credit cards. However, there are ways to reach your credit goals if you're diligent.

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Ten Tips To Save On Gasoline
By Jeffrey Strain

Gas prices continue to be near all time highs meaning that car travel is taking a a larger portion out of each of your paychecks....[Full Article].

Credit Counts: Know Your Credit Score before Making a Major Purchase
Whether you're in the market for a new home or applying for a loan, before you start looking at neighborhoods, you need to look somewhere else -- at your credit score. A credit score can give you the information you need to negotiate loan terms and bring you one step closer to your dream purchase.

Get a Truly Free Credit Report from all 3 Agencies!

The Fair and Accurate Credit Transactions Act (FACT) of 2003 was signed into law in December 2003. The FACT Act amends the Federal Fair Credit Reporting Act (FCRA) in many areas. One change to the act is that individuals can receive free of charge a credit report from each of the major credit bureaus.

Equifax, TransUnion, and Experian will give you a free credit report, but they are not obligated to give you your FICO score for free. You will have to pay for that or look below for your chance to receive your scores for free. If you are interested in making a major purchase in the near future, it's a good idea to know your FICO score so that you are aware of what your number means in terms of getting good interest rates.

To get your free report from the three major credit bureaus click here. You can also contact the Central Source to request your 3 annual reports by calling toll free (877) FACTACT.

Tip: Request a credit report from one agency then wait 3 months and request a report from another agency and then do it again to the remaining agency. This will allow you to access your credit report every 3 months for free.

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A Beginner's Guide to Planning Your Financial Future

"Who can you count on to take care of you?" asks James E. Stowers, founder of American Century Investments. This question is one which Stowers believes only has one right answer. That answer is 'you'.
Financially Intelligent parenting is not an inherent parenting skill. Learn how to raise successful, generous, responsible children through Financially Intelligent Money Behaviors on 8 audio CDs with additional content not found in the book.

Cut Your Grocery Expenses In Half
by Gena Everhart

If you’re like me, you constantly look for ways to cut your grocery expenses. I’m going to give you some ideas which will cut your grocery expenses in half. Read More!

An Emergency Fund: Your First Line Of Defense by: David Berky
How important were life rafts to the passengers of the Titanic? Learn how to build your own financial life raft. Read More!

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Tax Help

IRS Links

IRS Website, 1040 Central -
Get tax forms, info on new tax laws & tax tips.

IRS Website for E-Filing

Fun Ways To Invest

OneShare.com
The My First Stock Program®
My First Stock package is great
for all ages! Learn about stocks
and how to invest!

One stock in Disney, Pixar,
Mattel, Hasbro. Stocks your children
will be interested in!
Household Budget Plan - To Keep More of What You EarnForget what you know about traditional budgeting. Introducing a revolutionary spending system that will help you:

Create a household budgeting plan that you can use!
Recover 10% of your income from hidden spending
Always know exactly how much you have left to spend
Instantly know the impact of every spending decision
Automatically track all your purchases
Easily pay ALL your bills online
Effectively manage credit card spending Click here to learn more

Finance Calculators

Calculate your payment on any loan

What will it take to save for a college education?

How much interest will you pay over the life of a loan?

IRS Website, 1040 Central -
Get tax forms, info on new tax laws & tax tips.

IRS Website for E-Filing

Finance Links

Get Non-Profit Online Debt Relief Now!