You have money, you need a place to put it for a while, and the financial institutions are lining up at the door. You may be tempted to fall for whatever suitor makes a good first impression, but remember: This choice is all about you.

Creating your own home budget may seem at first like you're limiting yourself since you have to follow strict guidelines for managing your money. But over time you may find that it actually liberates you from the headaches and worries of financial stress and puts you in control. Instead of going into every month unsure of where you'll end up at day 30, you'll know exactly what you need to do each month to achieve your financial goals. 

A simpler life with less things to buy means retirement can be cheaper for some folks than when they were working. However, with a surplus of time, a significant portion of retirees end up spending more than they used to on things like entertainment, travel, and leisure. Costs can add up quickly, so it’s beneficial to find ways to save money. Seniors can save money through budgeting and taking advantage of discounts that some businesses offer to those starting at the ages of 55, 60, 62 or 65.

Many seniors live on a fixed income, and even those living comfortably often look for ways to save money to travel more, leave a bigger inheritance, or simply have a larger nest egg for unexpected events. Since many seniors saw their 401Ks dwindle with the stock market crash, planning for retirement has become a hot topic. How do you save more in less time? While there may not be any quick and easy answers, the solution may lie in pinching pennies and spending smarter.

In most cases, the prospect of moving from one house to another is more overwhelming than it is exciting. Most likely an informal poll would show that very few people would say that there’s ever a truly ideal time of year to move. So, why not move in the winter? It’s cold, sure, but you’ll likely save some money. Here are some things you can do to make a winter move a little easier on everyone involved.

Recycling is important when you think that it takes between 100 and 1000 years for plastic to decompose in the landfill. Plastic is also made from oil; the same oil that is in high demand to make gasoline. Recycling is something simple that can be done in your home and can generate income for your household. It is a win, win situation for the environment and you.

Believe it or not, the process of planning a vacation can be an enjoyable one. Even the part where you determine how to pay for it. You read that right. Just figuring out how to pull off your next getaway gives you a sense of relief and control that makes the actual trip all the more fun. Here are five steps to making it happen.