Daylight Savings Ends Saturday

Say goodbye to the sun. You’re not going to be seeing much of it for awhile. – Getty Images/EyeEm

Daylight saving time ends Sunday: 8 things to know about “falling back” We push our clocks back at 2 am Sunday. Here’s why. By Brian Resnick

On Sunday, November 4, at 2 am, clocks will be turned back one hour, heralding the end of daylight saving time for much of the country.
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Good Financial Health

Good Financial Health

Definitions of financial health typically have three factors in common: (from Nerd Wallet.)

  • You can manage your day-to-day financial life
  • You can absorb a financial shock
  • You’re on track to meet your financial goals

How do you get there?
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Resolutions You Can Keep

5 inspiring new year’s resolutions you can keep 
Every year, magazines and websites inundate us with “New Year, New You” headlines, which can be inspiring except most of us find ourselves breaking our new year’s resolutions within the first week. Why exactly? Well, because they’re unrealistic. (Lose 30 pounds by February?) Or we secretly really just don’t want to do them. (Give up coffee? Hmm, maybe not.)  But here’s an idea that might actually motivate you: If your new year’s resolutions revolve around looking your best, the instant gratification of feeling your very best will be what inspires you to actually keep them this year. So if the new year’s resolutions you’ve made already sound unrealistic, here are some new ones that you’ll actually be inspired to keep:

  1. New Year’s Resolution: Quit bad beauty habits. Nail biting, not washing your face at night, overusing the flatiron. There are some bad habits that can really mess with your beauty mojo. Choose the ones that apply to you and just say no.
  2. New Year’s Resolution: Get organized. Cleaning out your closet and reorganizing your makeup drawer might only take you a few hours this weekend, but it will make putting together your look every morning so much easier. I guarantee you’ll discover some cool clothes you almost forgot you had. Be sure to toss, donate or give away the things you don’t use anymore. They just get in the way when you’re trying to get to the good stuff.
  3. New Year’s Resolution: Try a new look.  What’s the style you’ve been dying to sport but have been too afraid (or just too busy) to try? Just try it! All it takes is one trip to the store (and a few bucks).
  4. New Year’s Resolution: Find affordable style.  It’s easier than you think. You don’t need to change what you’re buying, just where you’re shopping. Check out consignment and secondhand stores for inexpensive vintage finds.
  5. New Year’s Resolution: Get a healthier glow. OK, so maybe you’re not going to lose 30 pounds by February, but getting fit will help you look better in as early as a few weeks — I’m not just talking about looking slimmer but also getting a healthy all-around glow. Other health resolutions that can brighten your look: Drinking more water, eating more fruits and veggies and taking better care of your skin.

Tips to counter loss from higher tax

penny savedYour Money: Tips to counter loss from higher tax

Look at your paycheck lately? Get ready for a fiscal shock when $20 or more is zapped out each week to cover a bump in Social Security taxes.
Cut 2% off a salary of $60,000 and you’re saying goodbye to $1,200 a year — or $100 a month.

Where do you make up the shortfall? Look at some big-budget items:

Utilities

Are you running an old fridge or freezer?  It could be costing $10 or more a month, or $120 a year.
Dial down 1 or 2 degrees all day long — and then dial down 5 more degrees at night or when at work – don’t dial down more than about 10 degrees unless doing it for a longer period of time, such as the entire weekend. Just by doing these things you can save 10% – shop providers too for best rate.

Price Insurance
Get discounts for bundling insurance like car insurance and homeowners insurance with the same company.
Ask about any discounts for good students with good grades if you have a young student driver on a policy.

Cut out credit card and checking account fees.
Are you paying $10 a month for credit card protection plans or credit-monitoring services? Cancel them!
Do you pay $4 to $5 a pop to use an ATM not connected to your bank? Save $60 a year, if you pay that fee once a month.
Eliminate overdraft charges link checking and savings accounts to avoid overdrafts.

Watch out for seasonal deals.
If you want to save hundreds of dollars on clothing, wait two months after new clothes arrive at the store so you can buy them at serious markdowns.
The end of January is a good time to buy winter coats at up to 70% off.
Late January and February are good times to replace electronics, such as TVs, if you buy last year’s models.
February and March tend to offer better deals on linens and bedding.
Make sure to check prices online and elsewhere to make sure you’ve spotted a real bargain.

Other ways to save:
Do you regularly spend $40 a month on exercise classes that you don’t attend? Or do you frequently spend $40 a month on a blah dinner out? Find a way to eliminate $40 a month, and you’re saving $480 a year.
Remove a movie channel from your cable line.
Is there a way to cut your phone bill? Do you really need that land line? Can you opt for a prepaid cell plan with fewer bells and whistles? What about the cost of your Internet plan?
Take cash to the gas station. Some stations offer a lower price for gas if you use cash rather than plastic.