Articles written by Pamela Kay in Personal Finance

What is Helium

About me - Pamela Kay

Nestled in the foothills of the Great Smoky Mountains is a small town I call home. There must be magic in this place for though I've done my share of traveling, Georgia always calls me back.

I've been writing since childhood and have sold poems and articles

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Personal Finance > Smart Spending Little ways to earn extra income: 4 of 36
At one time or another we all search for little ways to earn extra money, whether it's for extra spending money for special occasions, supplementing a short paycheck, or offsetting the high cost of living. Here are some ideas for what you can do and where to do it to turn your time, talents, skills, junk or crafts into extra ... More..
Personal Finance > Budgets & Saving How to save at the grocery store: 8 of 61
Top ten tips for how to save at the grocery storeHow to save at the grocery store is easy if you stick to a few basic rules. Changing a few old habits will help too. The costs of groceries are high mainly because of high fuel prices. So changing how you think about where to buy what can cut your bill considerably.1-Shop Local... More..
Personal Finance > Smart Spending Ten things you should always buy new: 1 of 7
Shopping flea markets, vintage clothing shops and good will stores is a smart move if you are on a budget. The list of items you can save money on is endless. However, there are a few things that should never be purchased used, for reasons ranging from good hygiene to sentimental. Here are ten things that should always be bou... More..
Personal Finance > Personal Finance (Other) How to stay home and still earn money: 1 of 6
Many successful companies started as a home business and you too can be successful without punching a time clock to earn a living, if you use your imagination and come up with an idea for how to stay home and still earn money. The following ideas are all proven winners and one may just be your ticket to earning from home. *E... More..
Personal Finance > Smart Spending How to cut back on spending and still enjoy life: 1 of 5
Cutting back on your spending doesn't mean a dull or boring life hanging at the house and eating beans and bread. It means taking a different approach to what you consider a necessity of life and finding inexpensive ways to have fun. Try these ideas for how to cut back on spending and still enjoy life. *Savings Emergencies ... More..
Personal Finance > Budgets & Saving Cost management: Sticking to a budget: 8 of 39
Sticking to a budget is a sign of financial maturity. If you view a budget in its true light, you will see it as a reckoning of your senses, a realization that you cannot thrive spending more than you earn. Even if you break even, you lose. By following a budget, you gain financial security and peace of mind in money matters.... More..
Personal Finance > Smart Spending Save on groceries: 26 of 107
With the cost of gas continuing to rise it becomes increasingly important to save on groceries. At the same time, we must continue to provide our families with nutritious meals. With a little planning that takes less than thirty minutes a week, you can make a substantial difference in the bottom line of your sales receipt. Re... More..
Personal Finance > Managing Debt Advice for young people on avoiding debt: 15 of 53
Good advice for avoiding debt, for young people, is to learn patience and the benefits of saving. You are never too old, nor to young to start saving. It is what our grandparents did long before it was easy to get credit.Juggling bills and borrowing from Peter to pay Paul is no way for young people to start their adult life. ... More..
Personal Finance > Smart Spending How to save money by recycling: 5 of 16
Recycling takes time and as the saying goes, "time is money," but what if there were ways to combine recycling and saving money without using a lot of time? There are, and the answer, for how to save money by recycling, is found in yet another saying; "A penny saved is a penny earned." The more times we recycle an item, the m... More..
Personal Finance > Budgets & Saving Budgeting: How to jump-start your savings: 2 of 6
We know we should have a savings account. Our parents told us, our teachers told us, our guidance counselors told us, and even our employers encourage and offer to help us save. But getting started isn't easy, when you live between a rock and a hard place.If it seems your paycheck can't be stretched any further and you are wo... More..