Being PennyWise

PennyWise Guides (PWG) is a collection of tips and tricks for saving money and spending smartly, shared by users like you. Saving is an art and there are some who have mastered it. PennyWise is a platform for such users to share their saving intelligence with all of us and for all of us to discover cool ways to build a bank balance and spend it all.

You should care because PennyWise will save you money AND time. Its a no-brainer and dont be surprised if you get addicted to finding new ways to save by browsing and search for different things on PennyWise.

And if you are the enlightened one with lots of tips and tricks about spending smart and saving, then we promise you that your knowledge will be consumed and appreciated by millions of people. All you need to do is to sign up free with PennyWise and post your tips and tricks in matter of minutes. You can always come back to edit and update your guides and track their rating and views. Its really cool to see your frugal intelligence being admired try it today!

Become PennyWise Here

A friend who works in a petroleum company gave me some tips to get more of your money's worth for every Gallon of fuel you buy. With Gas prices going through roof and with no signs of letting up, we could all use some tips to get our dollars worth! So keep these few tricks in mind the next time you go to fill gas....Read on

Looking for a break from work...thinking of a vacation for a long time but haven't really planned it out since planning means actually going for a vacation and you're stuck wondering whether you can really afford it? Well here is the good news. 'YES, you can afford that wonderful and exotic vacation.'...Read on

See how you can plan your next Vacation on a shoestring Budget!

People always associate the quality of a Wine with it's price. The more expensive the better it must be, is the attitude. But that's not true. In these economic times there are really good wines out there without the big price tags. If you love wine but don't want to spend a big chunk of your budget on the expensive stuff...Here are 10 cheap but well received wines from some wine experts themselves. These Wine's also make great inexpensive Gifts!

With average wedding costs hovering around $20,000, many newlyweds start their lives together in debt. Fortunately, it doesn't have to be that way. It is possible to save money and have a great wedding at the same time. Check out these tips for keeping your wedding day focused on celebrating love, not financial ruin....and yes the title is right that's 100 ways to cut wedding costs

Every time you set out for shopping, you buckle up yourself and decide that this time your going to be a smart shopper and will not fall for any hidden traps at the Shopping malls. But some how you have this nagging feeling whether you have been ripped off or not.

These tips will help you to see through all those traps and tricks shopping stores would not want you to know....Read on

"Every morning I get up and look through the Forbes list of the richest people in America. If I'm not there, I go to work."
- Robert Orben

How To Create a Budget

Creating a budget may not sound like the most exciting thing in the world to do, but it is vital in keeping your financial house in order. Before you begin to create your budget it is important to realize that in order to be successful you have to provide as much detailed information as possible. Ultimately, the end result will be able to show where your money is coming from, how much is there and where it is all going... Read More

A Tax-Smart Investment Option: Individual stocks

Want to drastically reduce Uncle Sam's cut of your profits? In some cases, taxable accounts make more sense than sheltered ones...Read More

"Saving money by spending it is the second classic oxymoron."

Ten Tax Laws You Gotta Know

Here's a look at 2007's new tax laws, combined with some provisions carried over from 2006, that could affect your current tax bill. For your 2008 tax planning purposes, we also take a peak at a couple of laws that took effect Jan. 1.... Read More

Five Strategies to Save on Taxes in Retirement

A rewarding retirement depends on consistently monitoring your financial plans and your investments. But if you don't keep an eye on taxes, you won't maximize your returns. Follow these five strategies to live a tax-wise retirement. It's a way of helping to make your life less taxing, now and throughout your retirement...Read More

"Never spend your money before you have it."
- Thomas Jefferson

How to Establish Credit

No Credit? No Problem. Here Are Some Tips to Help You Establish Good Credit
When you don't have a credit history, it can be difficult and frustrating when trying to obtain a credit card or other type of loan. Establishing your initial credit history can be a Catch-22. If you don't have credit, not many places are willing to give you credit, yet how can you ever establish credit if nobody is willing to give you any?...Read More

Easy Ways for Students to Save Money

While you are in school, and maybe even right after you graduate, you are going to be on a tight budget. Looking for little ways that you can save money will prove to be very important during your school years and beyond. To help you out, here are some easy ways for students to save money:..Read More

"The safest way to double your money is to fold it over and put it in your pocket."
- Kin Hubbard

Tax Planning Basics

The goal of tax planning is to arrange your financial affairs so as to minimize your taxes. There are three basic ways to reduce your taxes, and each basic method might have several variations. You can reduce your income, increase your deductions, and take advantage of tax credits...Read More

Rebates: What you need to know

Do I qualify for a rebate and how much can I expect?..Read More

"A banker is a fellow who lends you his umbrella when the sun is shining, but wants it back the minute it begins to rain."

Loan Options for Undergraduate Students

There are many undergraduate student loans to choose from, so you are bound to find one that will match your financial and educational needs. One option is undergraduate studies federal government student loans. These loans come from federal funding and have the lowest interest rate of most loans. You don't have to worry about a credit check or collateral with these undergraduate student loans, but there are limits to how much you can borrow each year. In order to get undergraduate studies federal government student loans you need to be a U.S. citizen or a permanent resident, going at least half time to college and actively pursuing a degree of some kind. What exactly is the process for a federal student loan?..Read More

Types of Insurance Policies You Need

You can find an insurance policy to cover almost anything imaginable but only a handful of policies are actually ones that you need to have. You work hard throughout your life to build wealth and live a happy and comfortable life, so some types of insurance can protect your possessions, income and even provide for a loved one when you are gone...Read More

Planning a Wedding on a shoestring budget is not easy, especially for the Bride who has probably been imagining and planning tiny details of the special day most of her life. In the all excitement and anticipation it's easy to forget what it's really about. It's more than just a Party and Celebration. As clichéd as it may sound, it's about the Feelings. It's about the emotions you go through as you prepare to share your life with another%u2026It's about the Journey.

Keeping Track of your spending especially for your wedding is not always fun, but it's also not fun starting your life as a newlywed broke or with a debt. With this in mind I'm not suggesting you don't have your dream wedding at all, merely keep in mind that if you can't have Dom Perignon, or lobster entrées at your wedding you'll be no less married to your loved one (and after all, isn't that what it is all about?).

Here are some ways to keep your Big Day special but also in financial perspective by cutting costs on the little things that actually sum up to Big Savings.

Plan well in advance: Set a date that allows you enough time to keep aside some extra money just for the wedding and also helps you plan in a relaxed and organized manner. When you're in a hurry you miss out on opportunities and things that you could have got at a better price.

Be Organized: Set out a list of things you'd like along with cheaper alternatives for everything. Then allow yourself to pick 3-5 of your top choices depending on your budget and for the rest go for your alternatives. For example: You'd like a sit down dinner with a glass of wine but you wouldn't mind having a buffet style meal with a bar serving wine and beer or just have a cocktail hour in stead of a full bar. Do I need centerpieces and party favors or can I make or get centerpieces that are my party favors? Do I really need to buy an extravagant couture wedding dress or can I just buy an off the rack dress and get a seamstress to personalize it with some detailing features. You can even save hundreds of dollars by considering the fabric of your dress- poly satin is a lot cheaper than silk satin and looks just the same.

Venue: A lot of people will tell that having the reception at home will cut costs drastically. But before you make up your mind consider the advantages and disadvantages like arranging tents, chairs, catering and port-o-potties may cost more overall than fully equipped reception center. But at the same time having your wedding at home you can choose your own caterer and provide your own liquor which most reception centers don't allow. Maybe the reception center has an all-inclusive package offer for a price within your budget. So research this aspect of your wedding well%u2026it's where you can save a huge chunk which is why it's very important to plan well ahead.

Guest Lists & Invitations: You don't need an expert to tell you that the more guests, the more expensive the wedding costs will be.  Consider having a small intimate gathering of just close family, relatives and friends cutting out people you having spoken to in years and mere acquaintances. Don't feel obligated to have a +1 option for your single friends; it helps cut down the guest list. You can make your own invitations by buying pre packaged cards or consider using a photo of the couple as on nice stock paper as the invitation. If you must have your invitations printed, choose one fabulous element and keep the rest simple in terms of quality of paper, fancy typography, colored ink and decorative envelopes. Eliminate RSVP cards and instead ask for guest to RSVP by e-mail.

...Read More