Oh My Apartment

It’s important to use as many tips for saving money as you can when times are tough. This includes your renters insurance, also referred to as tenant insurance.

Get a Discount

You can get a discount on renters insurance if you buy your policy from your car insurance company. These companies want you to buy all of the policies they offer and, as an incentive, they’ll lower your premiums if you buy more policies from them. Call your car company for a…

Did you know that sms texting is one way to help manage your phone bill? We all know that going over minutes on a cell phone plan can be expensive and frustrating. A higher phone bill leads to increased taxes and ultimately an even bigger bill after all charges are added up. Alternating between both text messaging and phone calls can help you manage your bill and save money. Here are a couple of suggestions to consider when deciding to…

Money saving strategies come in many forms. Rebates, a marketing tool designed to draw you in, are one way you can save money when shopping. Used wisely, with an understanding of the risks, rebates can make acquiring new products more affordable.

How Rebates Work

The most common type of rebate allows you to buy a product and then to mail, or electronically complete, a form to receive reimbursement for a specified amount of money. Less often, merchants offer “instant” rebates. In this case,…

Many people will tell you that you should never spend more than 35 percent of your income on rent. However, depending on your own financial situation, that income ratio may not always be correct.

Jerrold Mundis, a financial therapist and the author of the bestselling book “How to Get Out of Debt, Stay Out of Debt, and Live Prosperously,” suggests that you need to have a good understanding of your own finances before simply assuming that a general ratio will work…