http://cloverlili.gather.com Recent Articles on Gather by Clover R. en-us Copyright Gather Inc 2009 Wed, 30 Dec 2009 18:28:43 GMT 2009-12-30T18:28:43Z en-us Copyright Gather Inc 2009 http://www.gather.com/images/header/logo_gather.gif http://www.gather.com/ http://www.gather.com/viewArticle.action?articleId=281474977619925 What you believe about your finances may just determine how you manage them. If you tend to believe your debt is hopeless and you'll never see daylight then it is. But, if you look at it from a positive . . . Tue, 10 Mar 2009 23:08:18 GMT http://www.gather.com/viewArticle.action?articleId=281474977619925 Clover R. 2009-03-10T23:08:18Z http://www.gather.com/viewArticle.action?articleId=281474977616062 We've all been in a situation where someone has pressured us to spend money. Maybe it was a co-worker selling candy for their child's school, or collecting for some office get together. Perhaps . . . Fri, 06 Mar 2009 18:08:37 GMT http://www.gather.com/viewArticle.action?articleId=281474977616062 Clover R. 2009-03-06T18:08:37Z http://www.gather.com/viewArticle.action?articleId=281474977614440 If you find yourself really having trouble saving try to outsmart yourself. My dad always said to pay yourself first before you pay anyone else. The easy way to do this is to have your savings direct . . . Wed, 04 Mar 2009 21:37:44 GMT http://www.gather.com/viewArticle.action?articleId=281474977614440 Clover R. 2009-03-04T21:37:44Z http://www.gather.com/viewArticle.action?articleId=281474977613440 If you think putting yourself on a budget means you'll do without the things you want and is going to be painful and require massive self-control, you may be happily surprised. The truth is just . . . Tue, 03 Mar 2009 21:49:00 GMT http://www.gather.com/viewArticle.action?articleId=281474977613440 Clover R. 2009-03-03T21:49:00Z http://www.gather.com/viewArticle.action?articleId=281474977606472 When budgets are stretched to the limit, one of the first things we tend to cut is new clothes for ourselves. But don't despair there is an easy way to fill your closet with a completely new wardrobe . . . Wed, 25 Feb 2009 15:23:23 GMT http://www.gather.com/viewArticle.action?articleId=281474977606472 Clover R. 2009-02-25T15:23:23Z http://www.gather.com/viewArticle.action?articleId=281474977605575 I was just reading a comment someone left on another blog. The comment said it's far too expensive to go green that there's really no way to save. This just blew my mind. After I recovered from . . . Tue, 24 Feb 2009 20:18:48 GMT http://www.gather.com/viewArticle.action?articleId=281474977605575 Clover R. 2009-02-24T20:18:48Z http://www.gather.com/viewArticle.action?articleId=281474977604382 It's never too earlier to take age appropriate steps to teaching your children the 3-R's reduce, reuse, and recycle. As with any childhood lessons, the best thing you can do is lead by example. . . . Mon, 23 Feb 2009 20:38:00 GMT http://www.gather.com/viewArticle.action?articleId=281474977604382 Clover R. 2009-02-23T20:38:00Z http://www.gather.com/viewArticle.action?articleId=281474977600340 One of the most overlooked ways to save money is to sign up for any and every FREE customer rewards program that you can find. Check out grocery stores, restaurants, retail stores, and even hotels. This . . . Fri, 20 Feb 2009 00:42:35 GMT http://www.gather.com/viewArticle.action?articleId=281474977600340 Clover R. 2009-02-20T00:42:35Z http://www.gather.com/viewArticle.action?articleId=281474977599087 There's a train of thought that you have to own your own your own home to accumulate any wealth. And, if you rent you're just throwing away your money. But, with housing prices falling and many . . . Wed, 18 Feb 2009 22:09:12 GMT http://www.gather.com/viewArticle.action?articleId=281474977599087 Clover R. 2009-02-18T22:09:12Z http://www.gather.com/viewArticle.action?articleId=281474977598189 With the economy and housing market less than stellar, buying a home right now may not be an option for many people. Just how do you make renting work for you? Start by doing your research. If . . . Wed, 18 Feb 2009 02:49:23 GMT http://www.gather.com/viewArticle.action?articleId=281474977598189 Clover R. 2009-02-18T02:49:23Z http://www.gather.com/viewArticle.action?articleId=281474977592352 Recently ABC News reported on a study done by a team of researchers from Carnegie Mellon, Harvard, Stanford, and the University of Pittsburgh who found that sadness is one of the leading causes of emotional . . . Thu, 12 Feb 2009 16:15:45 GMT http://www.gather.com/viewArticle.action?articleId=281474977592352 Clover R. 2009-02-12T16:15:45Z http://www.gather.com/viewArticle.action?articleId=281474977591528 In order to change your spending habits you need to know exactly where your money goes. One of the easiest ways to do this is to track your expenses. Start with one area at a time. Let's say you . . . Wed, 11 Feb 2009 21:14:53 GMT http://www.gather.com/viewArticle.action?articleId=281474977591528 Clover R. 2009-02-11T21:14:53Z http://www.gather.com/viewArticle.action?articleId=281474977578737 Now that you're thinking of frugality as accumulating wealth, instead doing with out, here's another tip that just might help you make your outlook a little greener. Simply stop paying . . . Thu, 29 Jan 2009 19:32:15 GMT http://www.gather.com/viewArticle.action?articleId=281474977578737 Clover R. 2009-01-29T19:32:15Z http://www.gather.com/viewArticle.action?articleId=281474977577865 Being frugal used to mean that you were either poor or a stingy scrooge-like penny pincher. In today's economic downturn it simply means you're trying to survive without going broke. But, that . . . Wed, 28 Jan 2009 23:38:41 GMT http://www.gather.com/viewArticle.action?articleId=281474977577865 Clover R. 2009-01-28T23:38:41Z http://www.gather.com/viewArticle.action?articleId=281474977575603 With the economic woes we're experiencing it's hard to see a silver lining. The stress just keeps mounting. And stress can seriously affect your health. So what can you do to eliminate some of . . . Mon, 26 Jan 2009 22:13:44 GMT http://www.gather.com/viewArticle.action?articleId=281474977575603 Clover R. 2009-01-26T22:13:44Z http://www.gather.com/viewArticle.action?articleId=281474977562527 I'm a " couponaholic " so I was very happy to learn on Mondays that most convenient stores send back any left over Sunday papers for recycling. I made friends with the people who work at . . . Wed, 14 Jan 2009 01:57:58 GMT http://www.gather.com/viewArticle.action?articleId=281474977562527 Clover R. 2009-01-14T01:57:58Z http://www.gather.com/viewArticle.action?articleId=281474977561347 Is clipping coupons worth the hassle? The short answer is that depends. If you know how to use your coupons for maximum savings then yes it's well worth it. If not, then no it's just a hassle. . . . Mon, 12 Jan 2009 23:33:36 GMT http://www.gather.com/viewArticle.action?articleId=281474977561347 Clover R. 2009-01-12T23:33:36Z http://www.gather.com/viewArticle.action?articleId=281474977556164 As you're looking over your budget trying to decide how to eliminate excess spending don't forget to look at the little things. They add up too. And much more than you might expect. For instance, . . . Wed, 07 Jan 2009 17:57:17 GMT http://www.gather.com/viewArticle.action?articleId=281474977556164 Clover R. 2009-01-07T17:57:17Z http://www.gather.com/viewArticle.action?articleId=281474977549642 With more gloom and doom predicted for the economy in 2009 just how does anyone expect to make ends meet let alone save any real money? And if you're on a fixed income or have a family, it's not . . . Wed, 31 Dec 2008 21:13:32 GMT http://www.gather.com/viewArticle.action?articleId=281474977549642 Clover R. 2008-12-31T21:13:32Z http://www.gather.com/viewArticle.action?articleId=281474977548770 You can finally breathe a sigh of relief the holidays are done for one more year. Now's the time to start thinking about taking down all those decorations. And, just a little planning this year will . . . Tue, 30 Dec 2008 21:21:33 GMT http://www.gather.com/viewArticle.action?articleId=281474977548770 Clover R. 2008-12-30T21:21:33Z http://www.gather.com/viewArticle.action?articleId=281474977540400 Don't panic, but this is the last weekend before Christmas. Here are a few last minute tips to help you get ready so you can relax and celebrate the big day too. First, don't try to remember . . . Fri, 19 Dec 2008 22:01:41 GMT http://www.gather.com/viewArticle.action?articleId=281474977540400 Clover R. 2008-12-19T22:01:41Z http://www.gather.com/viewArticle.action?articleId=281474977539339 With money tight for almost everyone this year, here's a tip that just might help everybody get all the expensive books, CD's, video games, and DVD's they want. And you won't have to spend . . . Thu, 18 Dec 2008 22:05:31 GMT http://www.gather.com/viewArticle.action?articleId=281474977539339 Clover R. 2008-12-18T22:05:31Z http://www.gather.com/viewArticle.action?articleId=281474977538231   The New Year is approaching fast. It's time to start to thinking about making resolutions and setting goals. And getting the house organized seems to be one of those goals that's always . . . Wed, 17 Dec 2008 19:41:52 GMT http://www.gather.com/viewArticle.action?articleId=281474977538231 Clover R. 2008-12-17T19:41:52Z http://www.gather.com/viewArticle.action?articleId=281474977532727 Most of us are so wrapped up in Christmas we forget that the celebration of Hanukkah occurs this time of year too. This religious holiday celebrates the miracle of eight days of light from one-day worth . . . Thu, 11 Dec 2008 21:15:26 GMT http://www.gather.com/viewArticle.action?articleId=281474977532727 Clover R. 2008-12-11T21:15:26Z http://www.gather.com/viewArticle.action?articleId=281474977531763 When your budget's already squeezed to the limit just how do you make Christmas special for the little ones? It just may be easier than you think. Truth is you don't really have to spend . . . Wed, 10 Dec 2008 21:23:38 GMT http://www.gather.com/viewArticle.action?articleId=281474977531763 Clover R. 2008-12-10T21:23:38Z http://www.gather.com/viewArticle.action?articleId=281474977530684 The holidays are here. There's no fighting it. This time of the year is extremely busy and stressful. With all the running around, get-togethers, and shopping it's easy to let family time slide. . . . Tue, 09 Dec 2008 21:01:05 GMT http://www.gather.com/viewArticle.action?articleId=281474977530684 Clover R. 2008-12-09T21:01:05Z http://www.gather.com/viewArticle.action?articleId=281474977530674 Hey Mom, what's for dinner tonight? This is possibly the most asked, yet least answered question out there. And then with sports, dance rehearsals, and working late, it's a wonder anyone ever . . . Tue, 09 Dec 2008 20:51:23 GMT http://www.gather.com/viewArticle.action?articleId=281474977530674 Clover R. 2008-12-09T20:51:23Z