ArcaMax

Little things mean a lot -- like the two words "batteries included." Just knowing they're in there somewhere means less hassle and one less thing to buy. But face it. The initial powering-up of a battery-operated device is a minor concern. It's the cost of keeping it going for years to come that should be considered.

The commercials are ...Read more

Insurance is a funny thing. You learn all you can, shop diligently, scrape together the money to pay for it and then hope you'll never have to use it.

In addition to health and automobile coverage, most people insure their lives so that in the event of their death, those who depend on their income will not be left high and dry.

Term life ...Read more

Dear Mary: We've just received notice that the rent on our three-bedroom house is going up from $950 to $1,200 a month. We were struggling before, so we really can't afford the increase. We have looked at an apartment community, where our rent would be around $850 a month.

I found another home that could be a great permanent family home. This ...Read more

Face it -- towels have a rough life. They start out all fluffy and full of promise, soaking up years of bathing and showers. Then, seemingly overnight, they turn into faded, scratchy threadbare rags that are one step away from being loofahs. But before you toss them in the trash (or shove them in the back of a linen closet for "later"), let's ...Read more

Some time ago, I got a message from Elaine G., who had recently joined a mom's group. With all of her newly minted friendships, she and her child are getting invitations to lots of toddler birthday parties.

Her dilemma took me back to when our boys were small. Birthday parties for all their friends were challenging. That's why Elaine's message ...Read more

This week, as I reached into the mailbag, I pulled out two questions, neither of them with easy answers. I was tempted to set them aside and try again, but I decided to tackle both, knowing that my letter-writers are not the only ones facing these kinds of financial situations.

Dear Mary: If my parents are in debt and they die, who pays the ...Read more

Dear Mary: I have been dating a woman for about two years. Getting to know her, I have learned that she has significant financial problems that she has not told me about. I have found out by doing a little research on my own (public records, etc.).

This is a serious relationship. We are both divorced with children. Money issues were one of the ...Read more

A reader recently wrote in with a question that pops up more often than dandelions in a spring lawn:

"I need a new car -- we want a Honda CR-V, but after looking at the used car listings, it looks like new might be a better deal, especially since it saves me from putting much money down."

To which I say no, no and NO! Unless you can pay cash ...Read more

Recently, I've been on yet another of my seemingly never-ending quests to pare down and clean out. I got this surge of energy after reading how Graham Hill is living with less. A lot less.

Hill, a self-made young millionaire who decided he really didn't need lots of stuff, wrote about it in the New York Times. He lives in a 420-square-foot ...Read more

Being wasteful is easy, especially when everything seems to be so plentiful and simple to replenish. Just order more. Or run to the store, right?

Sure, we love to buy things on sale, but that's not the only way -- or the best way -- to cut costs. Discovering simple ways to make things last longer is the surefire way to save time and money.

...Read more

Let's be honest -- keeping a home clean sometimes feels like trying to shovel snow in a blizzard. No matter how much you scrub, wipe and mutter under your breath, there's always another mess waiting in the wings. But over the years, I've discovered a little miracle in a can that keeps my sanity intact. It's called Bar Keepers Friend Cleanser, ...Read more

What would you do if you had to use -- let alone actually enjoy -- everything you own?

Truth be told, most of us will never live long enough to accomplish such an overwhelming requirement. Instead, we pack it, stack it and pile it away -- even pay rent to store it. Then we keep right on accumulating, acquiring and attaining even more. More ...Read more

When asked to describe the perfect bath towel, most people would include the words "thick" and "thirsty." Cotton Inc., a research and marketing company, agrees and goes on to say that the perfect towel can also stand up to constant use and laundering for at least a decade.

The secret to buying the perfect towel is in understanding fibers, loops...Read more

Before you toss that steam iron because it refuses to steam and the soleplate is sporting a brown, burned-on, gross mess -- you might want to give it a little love with a good cleanup. It's not difficult to bring a tired steam iron back to working like a dream!

As always, check the owners manual before proceeding with any cleaning process so ...Read more

Over the years, readers like you have sent me incredible tips -- creative, practical and sometimes downright ingenious. These nuggets of wisdom have saved me time, money and a fair amount of frustration.

While I've carefully held onto these gems, somewhere along the way, the names of these clever contributors seem to have wandered off. But ...Read more

Dear Mary: How can I get rid of white water rings on wood tables? Thanks! -- Amy

Dear Amy: There are homemade remedies, but I've had only marginal results using things such as mayonnaise or other household products to remove the infuriating white marks you describe.

I suggest you save yourself a lot of time and frustration with a Homax White ...Read more

As I rifle through my virtual mailbag where readers send their best ideas for how to save time and money, some invariably arrive without the sender's name. Not all are worthy of passing along, but now and then, one of these orphans is just too good to cast aside. Today I have a collection of these no-name submissions that are up for adoption.

...Read more

I promise not to ask if you remember when the price of gold was fixed at $35 an ounce or when U.S. currency was tied to the gold standard (hint: The Gold Standard Act was passed on March 14, 1900, but later suspended). Things have changed drastically over the years, with gold now hovering around $1,800 per ounce.

Let's turn to your jewelry box,...Read more

Saving money doesn't have to require becoming a miser or even erasing all the fun from your life. In fact, there are so many ways you can choose to not spend just $5 every day -- and instead hide that money away in a safe place. It's about sidestepping sneaky little expenses that can add up faster than loads of dirty dishes after a big ...Read more

Doing something about consumer debt is good for your finances -- and just about every other area of your life.

HEALTH

Experts say there's no question that carrying a lot of debt can be stressful, causing all kinds of health issues. It can result in worry, sleeplessness, communication breakdown, depression and anxiety. Credit card debt takes a ...Read more