money
Plug your wallet leaks. Some days the ol’ checking account feels more like a sieve. Use these budgeting tips from Erin Burt, a contributing editor at Kiplinger’s Personal Finance magazine (kiplinger.com), to stop wasteful spending.
Cars lose most of their value in the first few years, meaning thousands of dollars down the drain. Recent used models — those that are less than five years old — can be a real value because you get a car that’s still in fine working order for a fraction of the new-car price.
If you get a tax refund each April, you’re letting the government take too much money from your paycheck, which is essentially an interest-free loan. Adjust your tax withholding to get that money back in your pocket. Then, put it to work for you by paying down debt or bulking up your savings.
Instead of stashing cash in a traditional savings account, put it in a high-interest online savings account. Or get an interest-bearing checking account through companies such as Everbank Charles Schwab, E*Trade or ING Direct.
space
Working it out at home. Your home office can be functional, creative and full of personality with these steps from Arizona interior designer Alison Craig. Read more at .
Painted walls should express the energy you want to foster in your work, whether it’s animated and high-powered or soothing and nurturing.
Computer desks and chairs should be designed to support good posture and make reaching the keyboard easy. Invest in an ergonomic chair.
Keep important information easily accessible by placing it on a laptop, PDA or mini notebook. An organized space is a profitable and productive one.
time
Real estate relationship. Even in a challenging economy, a top-notch real estate agent can smoothly guide clients through buying and selling property. Save time searching for the right real estate agent for you with these tips from HGTV’s .
Get testimonials and referrals. Web searches can reveal an agent’s track record, satisfied clients and praise from peers.
Look for a full-time, full-service agent with years of experience, professional designations and access to appraisers, brokers and title companies.
Agents who specialize in a particular area are more knowledgable about competitive pricing, amenities, zoning and schools.
