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Should You Join a Wholesale Warehouse Club If You’re Not Buying for a Large Family?

For families with children living at home, buying a membership to a wholesale warehouse club like Costco or Sam’s Club is a no-brainer. When you’re feeding growing kids, whether you’ll go through large amounts of produce, dairy and meat isn’t even a question. But what about if you’re a single adult, a childfree couple or an empty nester? Are there ways for you to take advantage of savings offered by wholesale clubs/ bulk packaging without wasting food – or your money? Absolutely. For most, the approximately $60 annual membership fee is well worth the savings you can find throughout the year at Costco or Sam’s. Here are a few tips for making the most of your membership: Buy the foods you eat regularly. Unless you’re hosting a dinner party, buying foods you don’t eat routinely are likely to just take up space before they go bad. Don’t shop hungry. This…

Paper or Digital – Organizing Your Finances in a Way That Works

Paper or Digital? Everything is going digital. Tapes, CDs, disks and paper are being replaced with bits and bytes of data often stored in a virtual cloud. Depending on your background, the digital world may be a mysterious and uncomfortable place. Let’s take an objective look at the pros and cons of going digital versus using paper to organize your personal finances. Paper Statements: Tried and True or Time to Go? Paper is the default method for managing and organizing your finances. Online banking in the United States started in the 1980s, but electronic statements and digital financial management did not become mainstream until more than a decade later when home internet use became commonplace. Thanks to its long history, paper statements still remain popular with many banking customers today. According to a poll from CreditCards.com, 54 percent of adults still get paper bank or credit card statements by mail.…