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Making a smartphone pay for itself

You can save plenty of money using apps on your smartphone, so in effect the phone can pay for itself over time. Check out the video above for tips like:

- Using Google Shopper to compare prices
- Bank ATM finder app for free ATM machines
- Track spending with apps like Mint to create a budget and sticking to it
- The Field agent app will actually pay you to scan pricing info!

There are other suggestions in this video worth learning about. The key is there are plenty of ways to use a smartphone to save or make money. It’s more than just a texting machine for your friends and hookups!

How to gamble responsibly

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If you have never tried gambling before then you should definitely look into it as it is a great way to create a little excitement in your life every now and again. One of the easiest ways to gamble these days is through online casino websites, such as www.gamingclub.com/ca. They are freely accessible to anybody who has a computer and Internet connection. They offer thousands of different games free to play online with other people from around the world. But before you do this you should definitely think about how you plan on playing responsibly so that you can enjoy your gambling experience as much as possible.

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Mortgage debt moving in right direction

Henry Blodget highlighted this interesting chart from Bloomberg, which notes that American homeowners are nearly back in the black when it comes to aggregate mortgage debt. Read the article and you’ll see it’s still a complex picture, but rising home prices and the slow process of de-leveraging mortgage debt are definitely heading in the right direction. For many families, this will have a significant positive effect on their personal balance sheets.

Should you borrow money to pay for your wedding?

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Free image courtesy of FreeDigitalPhotos.net

The answer to this question is simple . . . No!

This was recently addressed recently in a newspaper advice column, and Teresa Dixon Murray gave a very logical answer. Starting off your marriage with debt is a terrible idea. Consider eloping, or instead a very frugal wedding.

Now, nobody is saying this will be easy. Grooms will have to deal with their bride’s fantasies about what their wedding should entail. But that also offers a perfect opportunity to discuss a budget. Many young couples don’t deal with this before marriage and that leads to a host of problems. Having these discussions now is critical and both of you will learn things about one another and how you might be able to manage money together.

Once you have a budget, you can do all sorts of research to find deals or creative ways to handle different aspects of the wedding.

These are big decisions, but taking the easy way out by getting a loan is the wrong way to handle it.

Places to retire abroad

This video covers 5 options for Americans who want to retire abroad, focusing on Costa Rica, Italy, Spain, France and Ireland.

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