Have you thought about refinancing your mortgage?

Rates are low but there are a lot more factors you should consider when deciding whether or not to refinance your mortgage. For example, points and closing costs could add up to more than the savings a lower interest rate gives you. Especially if there's a good chance that you move in the next five to ten years. For more on this subject, visit our blog The Money Ways.

http://www.themoneyways.com/should-you-refinance-your-mortgage-or-not.html

What apps do you use to save money on your iPhone?

I started listing the apps I use most to save money on my iPhone and I realized I don't use that many apps for that purpose. In fact, I really only listed three. Do you have apps that you use that you can recommend? If so, visit our post and leave us a comment with your favorite iPhone apps that save money.

http://www.budgetways.com/favorite-iphone-apps-to-save-money.html

Are your child care costs getting out of control?

The average cost of child care, especially in urban areas, has gotten completely out of control. Unless you are earning more than twice the minimum wage, it is hard to work enough to pay these bills. Luckily, there are a few things you can do to cut these costs, which we've highlighted in our most recent post at Budget Ways.

http://www.budgetways.com/child-care-shouldnt-cost-you-a-fortune.html