Low water flow leads to high satisfaction and savings

In the United States, Americans consume 3.7 billion gallons of water every year that are not replaced, leaving a huge water deficit - a result of growing demand on finite water supplies. In fact, at least 36 states are anticipating local, regional or statewide water shortages within the next five years. Everyone has the power to change the water equation in the United States and put more money in their own pockets, while helping hydrate the planet.

Weighing the costs of walking away from an upside-down mortgage

Owing more on your mortgage than your house is worth may seem like a bad investment. But the alternative - choosing to default on your mortgage even if you can afford the monthly payments - will take a significant toll on your credit rating.

A bad credit score doesn't end car loan and credit opportunities

Americans rely heavily on cars and credit cards, and when a credit score gets in the way of obtaining one or both of these items, it can make life difficult. It's no surprise that you should maintain a good credit report. But with the recent economic decline, you might not have a sterling report any longer. Still, you should know what's on your report so you can work toward improving it.

Simple fixes that will make your kitchen feel brand new

When it comes to your kitchen, details make all the difference. It's often the most used and best-loved room in the house, so having a room that meets your needs and expresses your personality is key. If your kitchen's design has been frustrating you by creating clutter and giving your home an out-of-date feel, it's time to make some changes.

Identity theft prevention tips for college kids heading back to campus

Getting their dorm room organized, reconnecting with friends they met last year, making new friends, setting up a class schedule ... college students have a lot to look forward to as they head back to campus. Identity thieves eagerly anticipate back-to-school time too, because it often means more opportunity for them to purloin someone's private, personal information for their financial gain.

Designing with natural light: Good for your health and your wallet

Nowhere does the green movement and uplifting design meet and marry better than in the concept of "daylighting" - bringing natural light into a space to both brighten it and reduce dependence on electric lighting. Decorating and designing with natural light is not only energy efficient, but psychologically beneficial as well.

Five things small businesses can do to make marketing pay off

In shaky economies, companies that invest in their marketing often come out on top. But for small business, making these investments often feels risky. Not only are time and resources tight, many small business owners feel they lack the knowledge to make the marketing choices that provide a return. In fact, figuring out "what works" is the top marketing concern for nearly 80 percent of small business owners.

Four smart home and auto insurance tips for seniors

Saving money is important, especial for senior citizens. And seniors may be going through some life changes. There are four simple insurance tips that can help ensure you're adequately covered and getting all eligible discounts.

Five tips college students need to be credit card smart

Going to college is, for most students, the first time they'll feel really independent. And, accordingly, the rest of the world starts treating them like adults too, from the expectations of college professors to the credit card offers that will start flooding in. And just as it's important to study hard for a major, it's essential to learn what are the real benefits and repercussions of having a credit card.

Layaway: It's back and easier than ever to use

In decades gone by, layaway was a staple for budget-conscious customers in retail stores across the country, but its popularity waned as credit cards became more available and consumers sought alternate finance methods to buy clothing and necessities. With household budgets tighter than ever due to the recent recession, layaway is once again emerging as a viable shopping tool.