Goshen News, Goshen, IN

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December 28, 2012

7 resolutions for saving money in 2013

Over the past year, we've discussed what to buy and how to save. Fifty-two columns later, we can safely boil spending and saving secrets down to one simple strategy: Have a plan. For retirement. For dream vacations. Even for the grocery store.

Smart spending and saving only happens when you're alert. And whether you're living paycheck to paycheck or managing an eight-figure investment portfolio, we're all saving, investing and hunting for bargains so we can spend later. Even those who can afford to be lazy with their finances usually aren't.

This year, we've examined the importance of haggling, the need to invest, the price of gold and how to splurge wisely. We've saved money on international vacations, cosmetic procedures, energy audits and, yes, even funerals.

In planning for a new year of savings, there are certain things you should and, frankly, must do if you want to save money in 2013. Here are our best tips for saving in the new year.

— Cancel unused annuals now

How many weekly magazines do you read cover to cover? If you're going to the gym once a month, wouldn't you rather walk to the movie theater and spend that money there? We have great intentions for the new year: to read more, to run more, to eat better foods. But good intentions sometimes hurt our spending resolutions. If you didn't use the gym in 2012, you probably won't use it next year. If you don't have time to read the New Yorker now, trust us, it will make you feel guilty if you see it on the kitchen counter. Cancel all of it now. Reinstate it when you've proved to yourself that it's a genuine part of your life.

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  • Smartphone kill switches are coming

    Smartphones need kill switches. It's a relatively easy solution to the pricey (and irritating) problem of smartphone theft. But who would have thought that the big carriers would team up with Apple, Google, Microsoft, Nokia, Samsung and lots of other manufacturers to voluntarily begin adding the technology by July 2015? The cooperative spirit! It makes so much sense!

    April 18, 2014

  • Why do wolves howl?

    Of all the myths that dog the wolf, none is more widely accepted than the idea that wolves howl at the moon. Images of wolves with their heads upturned, singing at the night sky, are as unquestioned as a goldfish's three-second memory or a dog's color-blindness (both also myths).

    April 18, 2014

  • Biggest student loan profits come from grad students

    This week, the Congressional Budget Office projected that the federal government would earn roughly $127 billion from student lending during the next 10 years.

    April 18, 2014

  • quake.jpg Pennsylvania won’t take action following Ohio ruling on quakes, fracking

    Pennsylvania officials plan no action despite new Ohio rules on drilling that affect a seismically active area near the state line.

    April 18, 2014 1 Photo

  • VIDEO: Boston bomb scare defendant appears in court

    The man accused of carrying a backpack containing a rice cooker near the Boston Marathon finish line on the anniversary of the bombings was arraigned Wednesday. He's being held on $100,000 bail.

    April 17, 2014

  • Consumer spending on health care jumps as Affordable Care Act takes hold

    Nancy Beigel has known since September that she would need hernia surgery. She couldn't afford it on her $11,000 yearly income until she became eligible for Medicaid in January through President Barack Obama's signature health care law.

    April 17, 2014

  • The case for separate beds

    The other night I slept on a twin bed in the guest room of the house I share with my husband and our two kids.
    It was the best night's sleep I've had in years.

    April 17, 2014

  • Raw oysters spike U.S. rise in bacterial infections, CDC reports

    Raw oysters, so good with hot sauce, increasingly can carry something even more unsettling to the stomach: A bacteria linked to vomiting, diarrhea and pain.

    April 17, 2014

  • To sleep well, you may need to adjust what you eat and when

    Sleep.  Oh, to sleep.  A good night's sleep is often a struggle for more than half of American adults.  And for occasional insomnia, there are good reasons to avoid using medications, whether over-the-counter or prescription.

    April 16, 2014

  • Doctors to rate cost effectiveness of expensive cancer drugs

    The world's largest organization of cancer doctors plans to rate the cost effectiveness of expensive oncology drugs, and will urge physicians to use the ratings to discuss the costs with their patients.

    April 16, 2014

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