Money and Finance # 59: Credit, Money, Management and Saving

Excercise
1) I already knew all of this and got a 100 on the quiz.
2) Yes, we have made budgets before and taught my sons to do this also. It is not hard. It helps you see where all your money is going and how much you spend or save each month.
3) I had not been to the TCDRS site before, so to learn of its exsistence was what was most useful to me. I will use it with my annual statement to better understand my retirement benefits.

Money and Finance #58: Banking, Budgeting and Spending

Excercise
1. My bank offers online banking for free. I have used online banking for years. It makes my life so much easier. My bank has us change our password often but not as often as my college email! Ha!. It also has a security picture and codeword with the picture and various questions if you forget your password. I always get out of the website when I am done and clear my cache after each online banking session.
2. I checked out several of budgeting tools listed above. I have similar services with Quicken which I use and with my American Express Card which I use for most of my purchases and both track how I spend my money with charts and graphs.
3. I already do most of the suggestions in the C.R. article. I like to one stop shop. So I could probably save some money by shopping Costco or Sam's but they ar so far away and I don't really like to shop. I could try florescent bulbs but they don't give off much light.