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Sandra Quadros Bowles

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How to Keep Your Financial Resolutions in 2020

Posted by Sandra Quadros Bowles on Jan 1, 2020 12:15:00 AM

It's now 2020, a number synonymous with clarity and vision.

So what better time to take a good, hard look at your finances?  

Consider making a resolution to save money, one of the best ways to secure many happy new years ahead.

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Topics: Insurance, Investments, Personal Finance, Life Changes

5 Things You Need to Know About Gift Cards

Posted by Sandra Quadros Bowles on Dec 30, 2019 7:00:00 AM

What do gift cards and laundry-day socks have in common?

Both disappear at alarming rates.

Nearly six in ten consumers put gift cards on their holiday wish lists this year, ahead of all other types of sought-after purchases, yet so some many of them drift to the back of desk drawers or sink to the bottom of purses, never to be seen again — or spent. 

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Topics: Personal Finance

Break These 5 Surprising Energy-Wasting Habits This Winter

Posted by Sandra Quadros Bowles on Dec 22, 2019 7:45:00 AM

It’s winter, when energy costs can add up faster than a sudden snowfall. Most of us are eager to take the right steps to keep our winter utility bills as low as possible.

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Topics: Home

5 Holiday Gifts That Can Help Save Money

Posted by Sandra Quadros Bowles on Dec 11, 2019 2:00:19 PM

Our wallets, unlike our waistlines, tend to thin out over the holidays. Consumers are expected to spend, on average, more than $1,000 on gifts, decorations and candy this holiday season, according to the National Retail Federation.

Like battling the mall crowds and untangling decorations, bracing for the financial impact has become an unwelcome but seemingly inevitable holiday tradition.

But what if holiday presents could save or even make money? Here are some gift ideas that do exactly that, if not immediately on receipt, then in the long run.

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Topics: Home, Personal Finance

How to Use Your Calendar to Save Money

Posted by Sandra Quadros Bowles on Nov 22, 2019 8:30:00 AM

There’s a household item that you probably consult every day that can save you big bucks. It might be on your phone or your laptop, in your purse, or even hanging on your spare room wall. Sometimes it features inspirational sayings, trivia questions, or images of the Grand Canyon or a kitten tumbling with a piece of yarn.

I’m talking about a calendar.

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Topics: Home, Personal Finance

5 Good Reasons to Use Your Credit Card

Posted by Sandra Quadros Bowles on Nov 20, 2019 7:30:00 AM

Credit cards could use a good publicist. The media rarely reports about their positive attributes.

On the other hand, we read a lot about the dangers of credit card use and the debt they can rack up quickly. Fifty-five percent of Americans with credit cards carry debt on them. Racking up too much debt can drag you into a dangerous area that can harm and even cripple your financial situation.

But credit cards have plenty of value when you use them wisely. Here are five ways a credit card can be a smart move.

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Topics: Credit Cards

5 Surprising Ways You Can Hurt Your Credit

Posted by Sandra Quadros Bowles on Nov 14, 2019 7:45:00 AM

Even when you practice good fiscal fitness, your credit score can suffer a knock-out. Sometimes the steps you think make financial sense can actually harm you, even if you pay your bills on time, keep your debt to reasonable levels, and make purchases that are responsible, not frivolous.

That’s all good stuff and goes a long way toward establishing a solid financial footing. But there are things you may be doing — often with the best of intentions — that you could hurt your credit score.  

Check out these five ways your actions could hurt your credit score.

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Topics: Credit Cards, Personal Finance, Credit Score

4 Questions to Ask Before Remarriage

Posted by Sandra Quadros Bowles on Oct 28, 2019 1:08:30 PM

Oscar Wilde wrote, "Second marriage is the triumph of hope over experience." The Irish writer had a good point. People who are widowed or, specifically, divorced know that marriage isn’t always a fairy tale, and it doesn’t always end happily. But that doesn’t stop people from trying again, particularly as they grow older.

Statistics show that 67% of those ages 55 to 64 who were previously wed will remarry. But there’s another sobering statistic these couples should consider. On paper, at least, they are more likely than not to experience another marriage upheaval, which is why you and your partner should sit down and ask each some questions before giving marriage a go again.

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Topics: Life Changes

7 Ways Pet Lovers Can Earn Money

Posted by Sandra Quadros Bowles on Oct 18, 2019 3:36:04 PM

Whether they're walking dogs or cleaning up after them, millions of Americans have landed gigs that combine their love for warm, furry creatures with their desire for cold, hard cash.

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6 Ways to Make Money with Your Store Receipts

Posted by Sandra Quadros Bowles on Oct 7, 2019 7:36:00 AM

“Do you want your receipt?’’

We hear that question so often as clerks complete our transactions that we can be tempted to tune it out, dismissing it with a quick head shake as we dash off to the next receipt-generating errand.

But we shouldn’t. Taking that receipt can pay off...literally. It's a small piece of paper that can add up to big bucks.

Here are 6 reasons why you should always say yes to the receipt:

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Topics: Personal Finance

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