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4 scholarships for kids under 13

Your child doesn’t have to wait until high school to get a college scholarship. Here are 4 programs for kids as young as 5.

http://finances.msn.com/saving-money-tips/250419985

Tricks Identity Thieves Use

2012 was a banner year for tax refund ID theft. A study found that the IRS reported more than 640,000 cases that year, a 62% jump from 2011. If you want to protect yourself click on the link:

http://finance.yahoo.com/news/tricks-that-identity-thieves-use-150634104.html

8 Empty Excuses for Not Saving

Saving is a simple concept: It’s money we put aside for when we need it.
Most people believe saving is a good idea, yet few actually manage to save enough. According to an August study by the Bureau of Economic Analysis, personal savings constitute a mere 3.7% of disposable personal income.

There are plenty of excuses for not saving enough. Here are some of the most common ones, and what you can do to overcome them:

http://finances.msn.com/saving-money-tips/250401237?ocid=vt_fbmsnmon

5 ways to cut your monthly expenses

If you can reduce the cost of your monthly fixed expenses, you will find your budgeting is much more successful and you’ll have less stress about saving money. With that in mind, click ahead for five simple ways to cut your monthly expenses.

http://finances.msn.com/saving-money-advice/250402406

New Tax Deductions for homeowners

Homeowners received two little-noticed gifts from the fiscal cliff deal signed by President Obama on Jan. 1. That congressional agreement, called the American Taxpayer Relief Act of 2012, restores a pair of treasured tax breaks previously lost to homeowners.

One is the federal tax deduction for mortgage insurance premiums.

The other is a tax credit that lets homeowners take up to $500 off their federal income tax for making certain improvements that increase the energy efficiency of their homes.

Click on link for details:

http://money.msn.com/taxes/article.aspx?post=a9c7cefc-6079-4b82-afe2-29dae7c14e7d