Financial Planning: Most Popular Articles
These articles are the most popular over the last month.
Basic Budget Worksheet for Setting Up Your Personal Budget
Budget worksheet form for setting up your personal budget
Budget worksheet form for setting up your personal budget
5 Mistakes When Buying a Car
For most people, a car is a necessity. We often depend on our vehicles to get us to and from work every day, transport children to events, and even for pleasure. Because they are such an important aspect of your life, you want a vehicle that is reliable, comfortable, and maybe even a bit stylish. The vehicle choices are almost endless, so finding the right combination of wants and needs with an affordable price tag can be challenging.
For most people, a car is a necessity. We often depend on our vehicles to get us to and from work every day, transport children to events, and even for pleasure. Because they are such an important aspect of your life, you want a vehicle that is reliable, comfortable, and maybe even a bit stylish. The vehicle choices are almost endless, so finding the right combination of wants and needs with an affordable price tag can be challenging.
How To Create a Budget
Creating a budget may not sound like the most exciting thing in the world to do but it is vital in keeping your financial house in order. Before you begin to create your budget it is important to realize that in order to be successful you have to provide as much detailed information as possible. Ultimately the end result will be able to show where your money is coming from, how much is there and where it is all going.
Creating a budget may not sound like the most exciting thing in the world to do but it is vital in keeping your financial house in order. Before you begin to create your budget it is important to realize that in order to be successful you have to provide as much detailed information as possible. Ultimately the end result will be able to show where your money is coming from, how much is there and where it is all going.
How to Establish Credit
When you don’t have a credit history, it can be difficult and frustrating when trying to obtain a credit card or other type of loan. Establishing your initial credit history can be a Catch-22. If you don’t have credit, not many places are willing to give you credit, yet how can you ever establish credit if nobody is willing to give you any?
When you don’t have a credit history, it can be difficult and frustrating when trying to obtain a credit card or other type of loan. Establishing your initial credit history can be a Catch-22. If you don’t have credit, not many places are willing to give you credit, yet how can you ever establish credit if nobody is willing to give you any?
Check Your Tax Refund Status
Have you filed your tax return and are now awaiting a refund? The good news is that you don’t have to be left in the dark in regards to the status of your refund. The IRS has a great tool on their website that allows you to instantly check on your refund status.
Have you filed your tax return and are now awaiting a refund? The good news is that you don’t have to be left in the dark in regards to the status of your refund. The IRS has a great tool on their website that allows you to instantly check on your refund status.
How to Get Out of Debt
Credit card debt is a major problem in this country. While not everyone has a credit card, those that do typically carry a balance. The interest rate on a credit card balance is usually between 10-30% APR. These high interest rates make it difficult for people to pay down their debt -- especially if only making the minimum payments each month.
Credit card debt is a major problem in this country. While not everyone has a credit card, those that do typically carry a balance. The interest rate on a credit card balance is usually between 10-30% APR. These high interest rates make it difficult for people to pay down their debt -- especially if only making the minimum payments each month.
How To Calculate Net Worth
Your net worth can be a useful tool to measure your financial progress from year to year. Your net worth is essentially a grand total of all your assets minus your liabilities.
Your net worth can be a useful tool to measure your financial progress from year to year. Your net worth is essentially a grand total of all your assets minus your liabilities.
Budgeting 101
Budgeting lies at the foundation of every financial plan. It doesn’t matter if you’re living paycheck to paycheck or earning six-figures a year, you need to know where your money is going if you want to have a handle on your finances. Unlike what you might believe, budgeting isn’t all about restricting what you spend money on and cutting out all the fun in your life.
Budgeting lies at the foundation of every financial plan. It doesn’t matter if you’re living paycheck to paycheck or earning six-figures a year, you need to know where your money is going if you want to have a handle on your finances. Unlike what you might believe, budgeting isn’t all about restricting what you spend money on and cutting out all the fun in your life.
Buying an Engagement Ring
When deciding to get engaged, you’ll surely have a lot running through your mind, but putting yourself into debt by buying an overpriced engagement ring shouldn’t be one of them. Some people still go by the old “two month’s salary” standard, but that surely isn’t necessary.
When deciding to get engaged, you’ll surely have a lot running through your mind, but putting yourself into debt by buying an overpriced engagement ring shouldn’t be one of them. Some people still go by the old “two month’s salary” standard, but that surely isn’t necessary.
Where to Keep Your Savings
So, you’ve set up an automatic savings program and you’re finally building up that emergency fund, but where should you keep your savings so that it earns the most interest for you? Luckily, there are many different savings vehicles available, but not all of them are appropriate for every situation.
So, you’ve set up an automatic savings program and you’re finally building up that emergency fund, but where should you keep your savings so that it earns the most interest for you? Luckily, there are many different savings vehicles available, but not all of them are appropriate for every situation.
Contacting the IRS
Have questions on your tax return, refund status, or need help? The IRS makes itself quite accessible. You don’t have to fear the IRS. While nobody wants to talk to them about an audit, they are there to help you with your taxes.
Have questions on your tax return, refund status, or need help? The IRS makes itself quite accessible. You don’t have to fear the IRS. While nobody wants to talk to them about an audit, they are there to help you with your taxes.
How Much to Budget by Category
What Percentage of Our Income Should We Budget for Each Expense Category?
What Percentage of Our Income Should We Budget for Each Expense Category?
Saving for a Down Payment
In order to receive the best possible interest rates and to avoid private mortgage insurance it is still a wise decision to have a significant down payment, but how can you save tens of thousands of dollars for this purchase?
In order to receive the best possible interest rates and to avoid private mortgage insurance it is still a wise decision to have a significant down payment, but how can you save tens of thousands of dollars for this purchase?
Investing With Little Money
Is trying to come up with hundreds or even thousands of dollars keeping you from opening an investment account? It shouldn’t. In the past it was almost a requirement to have quite a bit of money available in order to make your initial investment in a mutual fund or open a brokerage account. Today, things are quite different. You can now start investing with very little money up front. Here’s how.
Is trying to come up with hundreds or even thousands of dollars keeping you from opening an investment account? It shouldn’t. In the past it was almost a requirement to have quite a bit of money available in order to make your initial investment in a mutual fund or open a brokerage account. Today, things are quite different. You can now start investing with very little money up front. Here’s how.
Top Ten Financial Tips
Top Ten Financial Tips: Keys to Financial Success
Top Ten Financial Tips: Keys to Financial Success
401(k) Loan
Many retirement plans such as 401(k)s and 403(b)s allow participants to borrow money from their retirement savings, but there are many things you should consider before tapping into that retirement plan with a loan.
Many retirement plans such as 401(k)s and 403(b)s allow participants to borrow money from their retirement savings, but there are many things you should consider before tapping into that retirement plan with a loan.
Debt to Income Ratio
Two major components of tracking how you’re doing financially can be broken down into your income and debt levels. ¬Obviously, you’d like to have more income coming in than debt payments going out, but even if you are making more money than you owe, how can you tell if that’s good enough?
Two major components of tracking how you’re doing financially can be broken down into your income and debt levels. ¬Obviously, you’d like to have more income coming in than debt payments going out, but even if you are making more money than you owe, how can you tell if that’s good enough?
Eliminate PMI
Private mortgage insurance, often referred to as PMI, is insurance that lenders require borrowers to pay for when they get a mortgage and don’t have enough equity in the home.
Private mortgage insurance, often referred to as PMI, is insurance that lenders require borrowers to pay for when they get a mortgage and don’t have enough equity in the home.
Free Tax Advice
Are you looking for help with your taxes? Try calling 1-800-829-1040. This is the toll-free number for the IRS tax question line. With this number, you will be put in touch with someone right at the IRS who can assist you with your own personal tax situation if you have any questions.
Are you looking for help with your taxes? Try calling 1-800-829-1040. This is the toll-free number for the IRS tax question line. With this number, you will be put in touch with someone right at the IRS who can assist you with your own personal tax situation if you have any questions.
Bi-Weekly Mortgage Payments
Chances are that if you have a mortgage currently you’re making monthly payments. The typical mortgage is structured so that you make a single payment each month for a total of twelve payments per year. The good thing about this is that it means you pay the same amount at the same time each month so there are no surprises and it’s easy to budget for.
Chances are that if you have a mortgage currently you’re making monthly payments. The typical mortgage is structured so that you make a single payment each month for a total of twelve payments per year. The good thing about this is that it means you pay the same amount at the same time each month so there are no surprises and it’s easy to budget for.
Why You Need an Emergency Fund
In life you should expect the unexpected, and this is why you need an emergency fund. The best you can do is to prepare for emergencies that require access to additional money and having an emergency fund is the ideal solution. Financial emergencies can come in the form of a job loss, significant medical expenses, home or auto repairs or something you’ve never dreamed of.
In life you should expect the unexpected, and this is why you need an emergency fund. The best you can do is to prepare for emergencies that require access to additional money and having an emergency fund is the ideal solution. Financial emergencies can come in the form of a job loss, significant medical expenses, home or auto repairs or something you’ve never dreamed of.
The Secret to Saving Money
Would you be interested if I told you there’s a secret to saving money? Well, it’s true. There are a few secrets that can be used to save money, even if it doesn’t feel like you have any money to save. The bad news is that these secrets have been made public for decades and it’s simply up to you to decide whether or not to use them.
Would you be interested if I told you there’s a secret to saving money? Well, it’s true. There are a few secrets that can be used to save money, even if it doesn’t feel like you have any money to save. The bad news is that these secrets have been made public for decades and it’s simply up to you to decide whether or not to use them.
Fees When Buying a Home
When buying a home, most people focus on how much it costs and what interest rate they can get on the loan. While that is certainly very important, the other fees that come with buying a home are often overlooked. Here is a list of the most common fees involved when buying a home.
When buying a home, most people focus on how much it costs and what interest rate they can get on the loan. While that is certainly very important, the other fees that come with buying a home are often overlooked. Here is a list of the most common fees involved when buying a home.
Budget Worksheet for College Students
BUDGET WORKSHEET FOR COLLEGE STUDENTS Click here for a printer-friendly version of the College Budget
BUDGET WORKSHEET FOR COLLEGE STUDENTS Click here for a printer-friendly version of the College Budget
Be Prepared for Closing Costs When You Buy a Home
Here's what to expect for closing costs when you buy a home, and how to be prepared to identify inflated fees
Here's what to expect for closing costs when you buy a home, and how to be prepared to identify inflated fees
How To Balance Your Checkbook
Balancing Your Checkbook: Step-by-Step Instructions
Balancing Your Checkbook: Step-by-Step Instructions
Tweak Your Tax Withholding
Tweak Your Income Tax Withholding and Avoid Paying More or Less Than You Owe
Tweak Your Income Tax Withholding and Avoid Paying More or Less Than You Owe
Cut Homeowner's Insurance
Ten Ways To Cut Your Homeowner's Insurance Premiums
Ten Ways To Cut Your Homeowner's Insurance Premiums
Cut Air Conditioning Costs
Save Money on Air Conditioning Costs
Save Money on Air Conditioning Costs
Budget Basics
A budget is nothing more than a breakdown and plan of how much money you have coming in and where it goes. Could you imagine a business becoming successful if it didn’t keep track of its income and expenses? The same holds true when it comes to your personal finances. If you don’t know how much money you have coming in and where it goes, your road to financial success will be a difficult one.
A budget is nothing more than a breakdown and plan of how much money you have coming in and where it goes. Could you imagine a business becoming successful if it didn’t keep track of its income and expenses? The same holds true when it comes to your personal finances. If you don’t know how much money you have coming in and where it goes, your road to financial success will be a difficult one.
Comparing Life Insurance
Navigating the life insurance landscape can be tricky. You are sure to encounter a number of different policies and terms such as whole life, term life, cash value, variable life, and much more. How can you make sense of all the different types of policies and know that you’re making the best choice?
Navigating the life insurance landscape can be tricky. You are sure to encounter a number of different policies and terms such as whole life, term life, cash value, variable life, and much more. How can you make sense of all the different types of policies and know that you’re making the best choice?
Can't Pay Taxes
The realization that you can’t afford to pay your taxes can make you feel uneasy, but don’t worry, there are some actions you can take to remedy the situation.
The realization that you can’t afford to pay your taxes can make you feel uneasy, but don’t worry, there are some actions you can take to remedy the situation.
Personal Financial Plan
Step by step instructions for creating your own personal basic financial plan.
Step by step instructions for creating your own personal basic financial plan.
Retirement Savings Late Start
Ten Tips for Late Starters To Boost Their Retirement Savings
Ten Tips for Late Starters To Boost Their Retirement Savings
Rule of 72
Compound interest is an amazing thing, and the Rule of 72 is a simple way to quickly estimate how long it will take your investment to double.
Compound interest is an amazing thing, and the Rule of 72 is a simple way to quickly estimate how long it will take your investment to double.
How Much Home Can You Afford?
When the time is right to purchase a home, the first question you need to be able to answer is how of a home you can afford.
When the time is right to purchase a home, the first question you need to be able to answer is how of a home you can afford.
A Financial Emergency
Have you just been blindsided by an unexpected financial emergency and don’t know what to do? Whether it’s a job loss, medical expenses, or an emergency home repair, an unexpected change in your financial situation can be incredibly stressful. The bills still need to be paid, the utilities need to stay on, and you need to put food on the table, so how should you cope with a financial crisis?
Have you just been blindsided by an unexpected financial emergency and don’t know what to do? Whether it’s a job loss, medical expenses, or an emergency home repair, an unexpected change in your financial situation can be incredibly stressful. The bills still need to be paid, the utilities need to stay on, and you need to put food on the table, so how should you cope with a financial crisis?
Can You Afford to Have Kids?
Can You Afford to Have Kids? Financial Planning for a New Baby
Can You Afford to Have Kids? Financial Planning for a New Baby
How Teens Can Make Money
Some teens want to work right out of the gate, but in many cases you’ll have to coax your teen into making money for themselves.. This can help them become responsible young adults.
Some teens want to work right out of the gate, but in many cases you’ll have to coax your teen into making money for themselves.. This can help them become responsible young adults.
How Not to Pay Off Debt
Getting out of debt is a major financial goal for many people. While it’s important to reduce your debt load and try to begin creating wealth it’s also important that you take the right steps toward repaying your debt. In fact, there are a few common methods people use to help them get out of debt that can end up doing even more harm than good. Here are a few things you may want to think twice about in your quest to become debt free.
Getting out of debt is a major financial goal for many people. While it’s important to reduce your debt load and try to begin creating wealth it’s also important that you take the right steps toward repaying your debt. In fact, there are a few common methods people use to help them get out of debt that can end up doing even more harm than good. Here are a few things you may want to think twice about in your quest to become debt free.
Leasing vs. Buying A Car
Have you ever been in the market for a new vehicle and wondered whether you should buy or lease? In recent years leasing a vehicle has become very popular and carries some definite advantages depending on certain individual preferences, but before deciding whether to lease or purchase a vehicle there are a number of important factors to be considered.
Have you ever been in the market for a new vehicle and wondered whether you should buy or lease? In recent years leasing a vehicle has become very popular and carries some definite advantages depending on certain individual preferences, but before deciding whether to lease or purchase a vehicle there are a number of important factors to be considered.
Rules of Thumb
Everyone has a unique situation, and there are no concrete financial numbers that define success, but there are some rules of thumb that can help you gauge your progress.
Everyone has a unique situation, and there are no concrete financial numbers that define success, but there are some rules of thumb that can help you gauge your progress.
What Makes a Good Budget?
What Makes a Good Budget? Top Ten Features of a Successful Budget
What Makes a Good Budget? Top Ten Features of a Successful Budget
Student Loans vs Mortgage
Don't Let Student Loans Prevent You From Qualifying for a Mortgage - Advice for Students and College Graduates
Don't Let Student Loans Prevent You From Qualifying for a Mortgage - Advice for Students and College Graduates
Debt Snowball
The debt snowball, made popular by Dave Ramsey, is a method that allows you to reduce debt by tackling the small balances first. Getting out of debt is one of the top financial goals for many people.
The debt snowball, made popular by Dave Ramsey, is a method that allows you to reduce debt by tackling the small balances first. Getting out of debt is one of the top financial goals for many people.
Insuring Your Life
Understanding and Choosing Life Insurance - What Type of Insurance Is Best For You?
Understanding and Choosing Life Insurance - What Type of Insurance Is Best For You?
Maximize Your Benefits
Maximize Your Employment Benefits: Flexible Spending Accounts
Maximize Your Employment Benefits: Flexible Spending Accounts
How a Budget Can Improve Your Life
Living without a budget is similar to traveling across the country without a roadmap. While both can be accomplished, the result is usually expensive and wasteful.
Living without a budget is similar to traveling across the country without a roadmap. While both can be accomplished, the result is usually expensive and wasteful.
15-year Mortgages
Best Financial Moves - 15-Year Mortgages. Save large sums of money by having a 15-year instead of a 30-year mortgage
Best Financial Moves - 15-Year Mortgages. Save large sums of money by having a 15-year instead of a 30-year mortgage
U.S. Savings Bonds
If you’re tired of the pitiful interest rate on your savings account at the bank, you may want to look into U.S. savings bonds for an equally safe place to keep some of your savings. With most bank accounts, the safety of your money comes from being insured by the Federal Deposit Insurance Corporation, or FDIC. This provides insurance on up to $100,000 per depositor. Unfortunately, while your money may be safe, there is a good chance the interest rate on the account is quite low.
If you’re tired of the pitiful interest rate on your savings account at the bank, you may want to look into U.S. savings bonds for an equally safe place to keep some of your savings. With most bank accounts, the safety of your money comes from being insured by the Federal Deposit Insurance Corporation, or FDIC. This provides insurance on up to $100,000 per depositor. Unfortunately, while your money may be safe, there is a good chance the interest rate on the account is quite low.
Personal Finance 101
Personal finance covers a wide variety of money topics including budgeting, expenses, debt, saving, retirement and insurance among others. Understanding how each of these topics work together and affect each other is important for laying the groundwork for a solid financial foundation for you and your family.
Personal finance covers a wide variety of money topics including budgeting, expenses, debt, saving, retirement and insurance among others. Understanding how each of these topics work together and affect each other is important for laying the groundwork for a solid financial foundation for you and your family.
The Urge to Splurge
The Real Culprit Behind Your Urge to Splurge
The Real Culprit Behind Your Urge to Splurge
Insurance You Do Need
You can find an insurance policy to cover almost anything imaginable but only a handful of policies are actually ones that you need to have. You work hard throughout your life to build wealth and live a happy and comfortable life, so some types of insurance can protect your possessions, income and even provide for a loved one when you are gone.
You can find an insurance policy to cover almost anything imaginable but only a handful of policies are actually ones that you need to have. You work hard throughout your life to build wealth and live a happy and comfortable life, so some types of insurance can protect your possessions, income and even provide for a loved one when you are gone.
Guilt-free Budgeting
How to Achieve Guilt-free Budgeting and Take Control of Your Finances
How to Achieve Guilt-free Budgeting and Take Control of Your Finances
Be Prepared for Closing Costs
Closing costs are funds, in addition to a loan down payment, paid at settlement. Costs vary among states, but cash transactions have fewer costs than financed purchases. Although many of the costs are associated with financing, others are independent of the mortgage loan.
Closing costs are funds, in addition to a loan down payment, paid at settlement. Costs vary among states, but cash transactions have fewer costs than financed purchases. Although many of the costs are associated with financing, others are independent of the mortgage loan.
Financial Advice for Your 20s
Financial Advice for Your Twenties or if You're Just Starting a Financial Plan, Regardless of Your Age
Financial Advice for Your Twenties or if You're Just Starting a Financial Plan, Regardless of Your Age
Make Saving Automatic
Do you have a savings account yet find it difficult to find money to deposit into it? This isn’t an uncommon problem and most people find it hard to save.
Do you have a savings account yet find it difficult to find money to deposit into it? This isn’t an uncommon problem and most people find it hard to save.
Joint or Separate Accounts?
Should You and Your Spouse Have Joint or Separate Checking Accounts? Tips on How to Decide and How to Make It Work
Should You and Your Spouse Have Joint or Separate Checking Accounts? Tips on How to Decide and How to Make It Work
Difference Between APR and APY
Both APR (annual percentage rate) and APY (annual percentage yield) are commonly used to reflect the interest rate paid on something, but what is the difference between the two? Understanding the difference will help you understand exactly how hard your money is working for you.
Both APR (annual percentage rate) and APY (annual percentage yield) are commonly used to reflect the interest rate paid on something, but what is the difference between the two? Understanding the difference will help you understand exactly how hard your money is working for you.
Save on Your Wedding
According to a recent survey, the average cost of an American wedding is just over $27,000. This can be a significant burden on those who need to foot the bill, but it doesn’t have to be so painful. There are many steps you can take to make sure that you’re getting the most bang for your buck when planning that special day.
According to a recent survey, the average cost of an American wedding is just over $27,000. This can be a significant burden on those who need to foot the bill, but it doesn’t have to be so painful. There are many steps you can take to make sure that you’re getting the most bang for your buck when planning that special day.
Credit Counseling Services
Many people are living paycheck to paycheck and are worried about overdue bills and debt collectors. Not knowing how to develop a good budget leads some to consider using a credit counselor. Consumer credit counseling agencies are nonprofits that will help you find a workable solution to financial problems.
Many people are living paycheck to paycheck and are worried about overdue bills and debt collectors. Not knowing how to develop a good budget leads some to consider using a credit counselor. Consumer credit counseling agencies are nonprofits that will help you find a workable solution to financial problems.
College Student Mistakes
College students face many hard financial decisions. As a young adult they need to figure out how to pay for college, earn some spending money, and still get a good education. This is a tall order for anyone, so it’s no wonder that many college students end up making some costly money mistakes.
College students face many hard financial decisions. As a young adult they need to figure out how to pay for college, earn some spending money, and still get a good education. This is a tall order for anyone, so it’s no wonder that many college students end up making some costly money mistakes.
Should You Co-Sign a Loan?
One of the favors that might be asked of you at one point is to co-sign on a loan. Whether your child is asking for help getting his or her first credit card, or whether a friend needs a co-signer for a car loan, you might be asked to help out. Before you co-sign a loan, though, you need to consider the pros and cons associated with taking on this responsibility.
One of the favors that might be asked of you at one point is to co-sign on a loan. Whether your child is asking for help getting his or her first credit card, or whether a friend needs a co-signer for a car loan, you might be asked to help out. Before you co-sign a loan, though, you need to consider the pros and cons associated with taking on this responsibility.
Joint or Separate Accounts
One of the main advantages of a joint bank account is that there is a smaller chance of encountering financial “surprises” when all money goes into and comes out of one account. Married couples with joint accounts often have an easier time keeping track of their finances because all expenses come out of one account. This makes it harder to miss account activity, such as withdrawals and payments, and easier to balance the checkbook at the end of the month.
One of the main advantages of a joint bank account is that there is a smaller chance of encountering financial “surprises” when all money goes into and comes out of one account. Married couples with joint accounts often have an easier time keeping track of their finances because all expenses come out of one account. This makes it harder to miss account activity, such as withdrawals and payments, and easier to balance the checkbook at the end of the month.
Top Picks: Personal Finance Books
Top picks for personal finance books: personal finance books managing your personal finances college educations money goals corporate tools
Top picks for personal finance books: personal finance books managing your personal finances college educations money goals corporate tools
Your FICO Credit Score
You may have heard that your credit score is important, but what is a FICO score? FICO is short for Fair Isaac and Co. The Fair Isaac Company developed custom software back in the 1980s that helped other companies determine a credit risk based on a number derived from a person’s credit history. This number soon became a standard that was adopted by the three main credit bureaus: Experian, TransUnion, and Equifax. The FICO score ranges between 300 and 850.
You may have heard that your credit score is important, but what is a FICO score? FICO is short for Fair Isaac and Co. The Fair Isaac Company developed custom software back in the 1980s that helped other companies determine a credit risk based on a number derived from a person’s credit history. This number soon became a standard that was adopted by the three main credit bureaus: Experian, TransUnion, and Equifax. The FICO score ranges between 300 and 850.
Refinancing Your Mortgage
If you have a fixed-rate mortgage and mortgage rates are falling, it only makes sense to consider trying to refinance at a lower rate. But as with most things in finance, it isn’t always a simple answer. Refinancing can certainly make sense, but it also costs money to refinance a mortgage. Depending on your specific situation, a refinance may actually end up costing you more money instead of saving money.
If you have a fixed-rate mortgage and mortgage rates are falling, it only makes sense to consider trying to refinance at a lower rate. But as with most things in finance, it isn’t always a simple answer. Refinancing can certainly make sense, but it also costs money to refinance a mortgage. Depending on your specific situation, a refinance may actually end up costing you more money instead of saving money.
The Roots of Overspending
To build wealth and reach financial independence, you simply need to spend less than you earn. It is an easy concept to understand, but why is it so difficult? To answer this question, you need to examine the roots of overspending. When you know what factors drive your spending, you can fight back and save money so that you can spend less than you earn.
To build wealth and reach financial independence, you simply need to spend less than you earn. It is an easy concept to understand, but why is it so difficult? To answer this question, you need to examine the roots of overspending. When you know what factors drive your spending, you can fight back and save money so that you can spend less than you earn.
A Car or a House?
Your car payment may prevent you from qualifying for a mortgage. Choosing between owning a new car or your own home.
Your car payment may prevent you from qualifying for a mortgage. Choosing between owning a new car or your own home.
Budgeting
Budgeting information, advice, tips, and resources to help you set up a successful budget and stay motivated
Budgeting information, advice, tips, and resources to help you set up a successful budget and stay motivated
Payday Loans
During these turbulent economic times millions of working Americans are facing, payday loans are becoming a popular source of short-term financing. This has been especially true for low-income families. Payday loans are easy to get and don’t require any sort of credit check, but are they really a good idea?
During these turbulent economic times millions of working Americans are facing, payday loans are becoming a popular source of short-term financing. This has been especially true for low-income families. Payday loans are easy to get and don’t require any sort of credit check, but are they really a good idea?
The True Cost of Credit Cards
Credit card offers are hard to resist. It would be tough for most people to pass up an offer for a 56 inch plasma television worth $2500 for only $50 a month on a credit card. Even though many individuals can afford a $50 monthly payment, they may not realize that they will end up paying more in interest than for the original cost of the television.
Credit card offers are hard to resist. It would be tough for most people to pass up an offer for a 56 inch plasma television worth $2500 for only $50 a month on a credit card. Even though many individuals can afford a $50 monthly payment, they may not realize that they will end up paying more in interest than for the original cost of the television.
Budgeting Traits
Creating a budget is incredibly difficult, but where most people fail is trying to maintain the budget. It usually starts with good intentions, but just like dieting, it doesn’t take much to derail your entire plan. Here are three traits you must posses if you want to create and maintain a successful budget.
Creating a budget is incredibly difficult, but where most people fail is trying to maintain the budget. It usually starts with good intentions, but just like dieting, it doesn’t take much to derail your entire plan. Here are three traits you must posses if you want to create and maintain a successful budget.
Choosing a Planner
With a little knowledge and willingness to create and follow a financial plan, most people can adequately manage their own finances. Even so, there are many instances where you just don’t have the time or have a complicated situation that may need the assistance of a finance professional.
With a little knowledge and willingness to create and follow a financial plan, most people can adequately manage their own finances. Even so, there are many instances where you just don’t have the time or have a complicated situation that may need the assistance of a finance professional.
Review W-4 Exemptions
If you work for an employer that automatically withholds taxes from each paycheck, then you have the ability to adjust how much is withheld by adjusting the exemptions on IRS Form W-4. This is important to review because many different changes in your life could impact the amount of money you should have withheld.
If you work for an employer that automatically withholds taxes from each paycheck, then you have the ability to adjust how much is withheld by adjusting the exemptions on IRS Form W-4. This is important to review because many different changes in your life could impact the amount of money you should have withheld.
Retirement Funds and Divorce
Protect your share of your spouse's retirement plan if you're getting a separation or divorce
Protect your share of your spouse's retirement plan if you're getting a separation or divorce
Biggest Money Mistakes
Examples of Saving Big Money On Your Mortgage
Examples of Saving Big Money On Your Mortgage
Credit Card Minimums Double
Your Monthly Credit Card Minimum Payments May Double
Your Monthly Credit Card Minimum Payments May Double
Collecting Child Support
Everyone is responsible for the child they bring into this world. It doesn’t matter if was planned, unplanned, or even a child through adoption. This child has a right to be raised in a safe environment and provided everything needed which often includes financial support even if one of the parents are not around.
Everyone is responsible for the child they bring into this world. It doesn’t matter if was planned, unplanned, or even a child through adoption. This child has a right to be raised in a safe environment and provided everything needed which often includes financial support even if one of the parents are not around.
Stay Away From Payday Loans
Quick and easy cash? There's nothing easy about payday loans.
Quick and easy cash? There's nothing easy about payday loans.
Couples and Money
Couples and Money: How to Talk the Talk
Couples and Money: How to Talk the Talk
Can't Pay Your Income Taxes?
What To Do When You Can't Pay Your Income Taxes Due: The Worst Thing You Can Do Is To Do Nothing
What To Do When You Can't Pay Your Income Taxes Due: The Worst Thing You Can Do Is To Do Nothing
Tax Refund Anticipation Loans
A Refund Anticipation Loan (RAL) is a loan that is offered by many tax preparation companies to people against their income tax return. A tax refund anticipation loan can be approved in a manner of minutes and the money accessible within a day or two
A Refund Anticipation Loan (RAL) is a loan that is offered by many tax preparation companies to people against their income tax return. A tax refund anticipation loan can be approved in a manner of minutes and the money accessible within a day or two
Changing Jobs and Your 401(k)
Changing Jobs and Your 401(k) The Wrong Move Can Cost You Thousands in Taxes, Penalties, and Forfeited
Changing Jobs and Your 401(k) The Wrong Move Can Cost You Thousands in Taxes, Penalties, and Forfeited
The Minimum Payment Habit
One of the most costly mistakes you can make with credit cards is getting into the habit of only paying the minimum amount due each month. While the minimum amount may be affordable; it will also cost you more money in the long run.
One of the most costly mistakes you can make with credit cards is getting into the habit of only paying the minimum amount due each month. While the minimum amount may be affordable; it will also cost you more money in the long run.
Get Money You're Entitled To
Find out if you're one of millions of Americans entitled to receive unclaimed money or property
Find out if you're one of millions of Americans entitled to receive unclaimed money or property
Top Money Management Software
Using software to assist in keeping your finances in order is a great way to stay on track. Most financial software will allow you to keep track of income, expenses, and even your investments. Some even have the option to automatically download or connect to your financial institutions via the Internet, which can simply the process even further.
Using software to assist in keeping your finances in order is a great way to stay on track. Most financial software will allow you to keep track of income, expenses, and even your investments. Some even have the option to automatically download or connect to your financial institutions via the Internet, which can simply the process even further.
Identity Theft Insurance
Should You Buy Identity Theft Insurance or Credit Monitoring Services?
Should You Buy Identity Theft Insurance or Credit Monitoring Services?
Money and Unmarried Couples
Single couples living together face unique money issues. Learn the three most critical personal finance issues facing unmarried couples.
Single couples living together face unique money issues. Learn the three most critical personal finance issues facing unmarried couples.
Balancing Your Checkbook
Balancing Your Checkbook: Four Reasons You Should Do It and Step-by-Step Instructions
Balancing Your Checkbook: Four Reasons You Should Do It and Step-by-Step Instructions
Before Buying a Home
For many people, owning a home brings a sense of pride and freedom that cannot be matched by renting. When you own your own home, you aren’t bound by a landlord’s rules, and your monthly payments are actually building equity. Although buying a home may be the first step you take toward building long-term wealth, it is important to understand the pros and cons of home ownership before taking the plunge.
For many people, owning a home brings a sense of pride and freedom that cannot be matched by renting. When you own your own home, you aren’t bound by a landlord’s rules, and your monthly payments are actually building equity. Although buying a home may be the first step you take toward building long-term wealth, it is important to understand the pros and cons of home ownership before taking the plunge.
Ways to Improve Credit Score
Your credit score is a very important number that lenders use in order to determine whether or not to extend credit to you, and what the interest rate and terms of the credit or loan are.
Your credit score is a very important number that lenders use in order to determine whether or not to extend credit to you, and what the interest rate and terms of the credit or loan are.
Importance of Credit Score
Your credit score and underlying history is one of your most vital parts of your financial life. Your credit score follows you forever and it will play a huge role in many major financial situations throughout your life.
Your credit score and underlying history is one of your most vital parts of your financial life. Your credit score follows you forever and it will play a huge role in many major financial situations throughout your life.
How Much to Save for College?
How much money you are saving is less important than how soon you begin saving. Compound interest is a wonderful thing and the longer your money has to grow, the more it will grow.
How much money you are saving is less important than how soon you begin saving. Compound interest is a wonderful thing and the longer your money has to grow, the more it will grow.
Debt Warning Signs
Do you have debt that is bogging you down and keeping you from reaching your financial goals? Using credit and debt can be a powerful tool that allows you to buy a home, a vehicle, send children to college, and even provide leverage for other purchases, but when you accumulate too much debt, it can pose a serious problem.
Do you have debt that is bogging you down and keeping you from reaching your financial goals? Using credit and debt can be a powerful tool that allows you to buy a home, a vehicle, send children to college, and even provide leverage for other purchases, but when you accumulate too much debt, it can pose a serious problem.
Insurance Basics
You've worked hard to build a solid financial footing for you and your family, so it needs to be protected. Accidents and disasters can and do happen and if you aren’t adequately insured it could leave you in financial ruin. You need insurance to protect your life, your ability to earn income, and to keep a roof over your head.
You've worked hard to build a solid financial footing for you and your family, so it needs to be protected. Accidents and disasters can and do happen and if you aren’t adequately insured it could leave you in financial ruin. You need insurance to protect your life, your ability to earn income, and to keep a roof over your head.
Marriage and Money
Marriage introduces changes in a new couple’s financial situation that will affect all aspects of their life together. Everything from personal financial goals to credit card debt will bring new challenges to the relationship. Understanding how to navigate through these changes can be challenging, but planning ahead can allow you to build a strong financial foundation for your relationship.
Marriage introduces changes in a new couple’s financial situation that will affect all aspects of their life together. Everything from personal financial goals to credit card debt will bring new challenges to the relationship. Understanding how to navigate through these changes can be challenging, but planning ahead can allow you to build a strong financial foundation for your relationship.
Get Next Year's Tax Refund Now
Get Next Year's Income Tax Refund Now
Get Next Year's Income Tax Refund Now
Choosing the Best Mortgage
Choosing the Best Mortgage for You. Why It's Important and How To Do It
Choosing the Best Mortgage for You. Why It's Important and How To Do It
Creating a CD Ladder
Creating a CD ladder can be a creative and simple way to take advantage of a traditionally safe investment product. By laddering your CDs, you can maximize your potential earnings and determine the frequency at which you'd like them available.
Creating a CD ladder can be a creative and simple way to take advantage of a traditionally safe investment product. By laddering your CDs, you can maximize your potential earnings and determine the frequency at which you'd like them available.
Top Money Tips for Women
Top Ten Money Tips for Women
Top Ten Money Tips for Women
Top Personal Finance Magazines
Top Personal Finance Magazines for the average person
Top Personal Finance Magazines for the average person
Should Teens Have Credit Cards
Should Teens Have Credit Cards?
Should Teens Have Credit Cards?
Claiming the Child Tax Credit
Did you know that there is a hefty tax credit available to many households who have a dependent child? This may come as a surprise to many new parents, but it’s important to plan for so that you can make the most of your money. After all, the credit is worth up to $1,000 per child.
Did you know that there is a hefty tax credit available to many households who have a dependent child? This may come as a surprise to many new parents, but it’s important to plan for so that you can make the most of your money. After all, the credit is worth up to $1,000 per child.
College Students and Money
College living is an exciting and challenging undertaking for most students. Moving away from mom and dad, living on your own and making decisions for yourself and having to manage your own finances are just a few of the roadblocks you will be facing.
College living is an exciting and challenging undertaking for most students. Moving away from mom and dad, living on your own and making decisions for yourself and having to manage your own finances are just a few of the roadblocks you will be facing.
Student Credit Cards
Credit card debt is a major problem, and every year millions of people find themselves in over their head. Interest rates rise, payments get missed, and credit scores are trashed. While credit card debt can be financially devastating, credit plays an important role in our lives.
Credit card debt is a major problem, and every year millions of people find themselves in over their head. Interest rates rise, payments get missed, and credit scores are trashed. While credit card debt can be financially devastating, credit plays an important role in our lives.
Try Using Cash
If you are struggling to stay within your budget or always seem to spend more money than you should it might be a good idea to go back to using cash for daily purchases.
If you are struggling to stay within your budget or always seem to spend more money than you should it might be a good idea to go back to using cash for daily purchases.
Checkbook Balancing Form
Click here for a printable version of this checkbook balancing form. Checkbook Balancing Form 1. Outstanding
Click here for a printable version of this checkbook balancing form. Checkbook Balancing Form 1. Outstanding
How Much Do I Need to Retire?
This question is frequently asked, but rarely has a definitive answer. The problem is that everyone’s needs are different. What you might need in retirement will be completely different than your friends, neighbors, or co-workers. Even though your situation is unique, there are a few ways you can estimate how much money you will need to retire.
This question is frequently asked, but rarely has a definitive answer. The problem is that everyone’s needs are different. What you might need in retirement will be completely different than your friends, neighbors, or co-workers. Even though your situation is unique, there are a few ways you can estimate how much money you will need to retire.
Overdraft Protection
What's Your Overdraft Protection Costing You?
What's Your Overdraft Protection Costing You?
Beware Home Equity Loans
Home Equity Loans: Look Before You Leap. Things to Consider Before Taking Out a Home Equity Loan
Home Equity Loans: Look Before You Leap. Things to Consider Before Taking Out a Home Equity Loan
Setting Financial Goals
Setting Financial Goals - The Second Step in Personal Financial Planning
Setting Financial Goals - The Second Step in Personal Financial Planning
How To Become a Millionaire
How To Become a Millionaire - Becoming a millionaire is not out of reach for many Americans
How To Become a Millionaire - Becoming a millionaire is not out of reach for many Americans
Dealing With Divorce
Dealing with the financial impact of divorce. Know your obligations and how to protect yourself financially
Dealing with the financial impact of divorce. Know your obligations and how to protect yourself financially
Investing 101: What Are Bonds?
Most investors are familiar with the two primary types of investments: stocks and bonds. Stocks are easy to understand because we hear about the stock market on a daily basis. The news constantly reminds us about whether the stock market is going up, down, and what companies are doing the best and worst. What about bonds? Most of us have bonds in our portfolios, but we hear very little about bond markets or how these financial instruments actually work.
Most investors are familiar with the two primary types of investments: stocks and bonds. Stocks are easy to understand because we hear about the stock market on a daily basis. The news constantly reminds us about whether the stock market is going up, down, and what companies are doing the best and worst. What about bonds? Most of us have bonds in our portfolios, but we hear very little about bond markets or how these financial instruments actually work.
Financial Issues of Divorce
Financial Issues of Divorce: Dividing Property and Debt, Child Support, Alimony, Taxes, Retirement Funds, and More. Protect yourself financially.
Financial Issues of Divorce: Dividing Property and Debt, Child Support, Alimony, Taxes, Retirement Funds, and More. Protect yourself financially.
Should You Refinance?
How to Take Advantage of Lower Mortgage Interest Rates
How to Take Advantage of Lower Mortgage Interest Rates
Summer Saving Tips
You can save money throughout the year, but the warm temperatures of summer provide a few additional tips that can help you save even more money. Here are some things to try during those warm months.
You can save money throughout the year, but the warm temperatures of summer provide a few additional tips that can help you save even more money. Here are some things to try during those warm months.
Get Started in Investing
How to Get Started in Investing With Small Amounts of Money
How to Get Started in Investing With Small Amounts of Money
Credit Score Criteria
Your credit score is a number that is calculated with a formula that lenders use to predict how much risk you are as a borrower. This score is one of the most important factors used when determining whether or not to lend you money and at what interest rate.
Your credit score is a number that is calculated with a formula that lenders use to predict how much risk you are as a borrower. This score is one of the most important factors used when determining whether or not to lend you money and at what interest rate.
Get Your Tax Refund Now
The IRS sends out nearly 100 million income tax refunds each year. That’s a lot of money! If you’re like most taxpayers, you’re probably familiar with the drill. You have taxes withheld from your paycheck all year and then come March you begin to prepare your taxes so that you can get that tax return. Since the average tax return is a little over $2,000, this is real money that can go toward a number of important financial issues in your life.
The IRS sends out nearly 100 million income tax refunds each year. That’s a lot of money! If you’re like most taxpayers, you’re probably familiar with the drill. You have taxes withheld from your paycheck all year and then come March you begin to prepare your taxes so that you can get that tax return. Since the average tax return is a little over $2,000, this is real money that can go toward a number of important financial issues in your life.
Free Credit Reports
In 2004, an amendment to the Fair Credit Reporting Act was made that states that you can obtain a free copy of your credit report from each of the three main credit reporting bureaus once every 12 months. Your credit report contains the following information:
In 2004, an amendment to the Fair Credit Reporting Act was made that states that you can obtain a free copy of your credit report from each of the three main credit reporting bureaus once every 12 months. Your credit report contains the following information:
Maintaining Health Insurance
If you worked for an employer that offered health benefits, when you decide to retire early or lose your job, it becomes quickly apparent how valuable that benefit was. Generally, when an employer offers health insurance coverage, the premium costs are split between you and the employer. Whether it is $20 or $300 per paycheck, you’re generally only paying a portion of the total premium in a large group plan. So, what happens when you are no longer employed and eligible for these benefits?
If you worked for an employer that offered health benefits, when you decide to retire early or lose your job, it becomes quickly apparent how valuable that benefit was. Generally, when an employer offers health insurance coverage, the premium costs are split between you and the employer. Whether it is $20 or $300 per paycheck, you’re generally only paying a portion of the total premium in a large group plan. So, what happens when you are no longer employed and eligible for these benefits?
Mutual Fund Fees
To make the best decision when buying mutual funds, you need to understand mutual fund fees
To make the best decision when buying mutual funds, you need to understand mutual fund fees
Cut Spending Leaks
Sometimes it is the little things that add up. Stopping the little spending leaks in your life may amount to significant savings over time.
Sometimes it is the little things that add up. Stopping the little spending leaks in your life may amount to significant savings over time.
Money for Couples
Money Guide for Married Couples
Money Guide for Married Couples
Why You Need a Will
Do You Need a Will? The Answer is Probably Yes.
Do You Need a Will? The Answer is Probably Yes.
Top Online $ Calculators
Top Ten Online Money Calculators - Manage Your Finances More Easily
Top Ten Online Money Calculators - Manage Your Finances More Easily
Open Enrollment
If you’re employed by a company that provides benefits you might be receiving a reminder in the fall about your upcoming open enrollment period. Many companies do this in the fall so that the new benefit elections take effect at the start of the new year, although your open enrollment period may be at a different time. The open enrollment period is important because it is one of the few times you can make changes to many of your employer provided benefits.
If you’re employed by a company that provides benefits you might be receiving a reminder in the fall about your upcoming open enrollment period. Many companies do this in the fall so that the new benefit elections take effect at the start of the new year, although your open enrollment period may be at a different time. The open enrollment period is important because it is one of the few times you can make changes to many of your employer provided benefits.
Single Money Tips
Being single presents some unique financial planning challenges. Whether you’re single by choice, or as a result of a recent breakup or divorce, there are a few things you need to keep in mind when managing money just for yourself. Since you’re the only one earning income and still have bills to pay, you need to be sure that you’re making the most of what you have since you don’t have someone else to fall back on.
Being single presents some unique financial planning challenges. Whether you’re single by choice, or as a result of a recent breakup or divorce, there are a few things you need to keep in mind when managing money just for yourself. Since you’re the only one earning income and still have bills to pay, you need to be sure that you’re making the most of what you have since you don’t have someone else to fall back on.
401(k) Plans
Don’t let the cryptic name of the plan confuse you, these plans are actually fairly easy to understand. A 401(k) is a retirement plan offered by some employers in the United States. The plan received the name from the section of Internal Revenue Code it was named after.
Don’t let the cryptic name of the plan confuse you, these plans are actually fairly easy to understand. A 401(k) is a retirement plan offered by some employers in the United States. The plan received the name from the section of Internal Revenue Code it was named after.
Traditional IRA
A traditional IRA (individual retirement account) is an account that is used to save pre-tax dollars for use in retirement.
A traditional IRA (individual retirement account) is an account that is used to save pre-tax dollars for use in retirement.
Trade School vs. Traditional Colleges
ven though the job market is beginning an economic upswing, there are still many unemployed workers in the US, and often simply not an adequate number of jobs to sustain the surplus pool of applicants.
ven though the job market is beginning an economic upswing, there are still many unemployed workers in the US, and often simply not an adequate number of jobs to sustain the surplus pool of applicants.
Saving Money on Home Expenses
When you add up the cost of expenses associated with your home, you might be surprised at the end result. While you know that buying a home amounts to the biggest purchase you are likely to make in your life, it is easy to forget about all the other expenses that add up.
When you add up the cost of expenses associated with your home, you might be surprised at the end result. While you know that buying a home amounts to the biggest purchase you are likely to make in your life, it is easy to forget about all the other expenses that add up.
Saving Money on Heating Costs
Here we are, noticing our summer tans fading, dark roots growing out from our scalps, and waiting for the first winter snow fall amidst the freezing rain and blowing wind. Winter is rearing its ugly head and so are heating costs. The television and web are full of great ideas on how to save money on energy costs, but more often than not it takes money to save money. For many, spending money on major home improvement projects to make a home more energy efficient just isn’t in the cards this year.
Here we are, noticing our summer tans fading, dark roots growing out from our scalps, and waiting for the first winter snow fall amidst the freezing rain and blowing wind. Winter is rearing its ugly head and so are heating costs. The television and web are full of great ideas on how to save money on energy costs, but more often than not it takes money to save money. For many, spending money on major home improvement projects to make a home more energy efficient just isn’t in the cards this year.
Roth vs. Traditional IRA
A common question many people have is what type of IRA is best. Both the Traditional and Roth IRAs have significant tax advantages, but in some situations one may be better than the other. Since we can't predict what taxes will be like 20 years from now, if you have the ability to contribute to both types of IRAs, that might be a good idea. By diversifying your tax liabilities, you can be prepared for any significant changes in tax rates by the time you reach retirement.
A common question many people have is what type of IRA is best. Both the Traditional and Roth IRAs have significant tax advantages, but in some situations one may be better than the other. Since we can't predict what taxes will be like 20 years from now, if you have the ability to contribute to both types of IRAs, that might be a good idea. By diversifying your tax liabilities, you can be prepared for any significant changes in tax rates by the time you reach retirement.
Secret to Budgeting
The secret to budgeting successfully
The secret to budgeting successfully
Smart Moves for College Grads
Five Smart Money Moves for New College Graduates
Five Smart Money Moves for New College Graduates
1st Step in Asking for a Raise
Important advice on how to get a pay raise: do's and don'ts of asking for a raise
Important advice on how to get a pay raise: do's and don'ts of asking for a raise
Individual Insurance Policies
If you are self-employed, or otherwise find yourself in a situation where you need to obtain your own health insurance coverage, the choices available to you can be confusing. You'll be sifting through terms like HMO, PPO, premiums, co-pay and deductibles, which can be intimidating if you don't know what you're looking at.
If you are self-employed, or otherwise find yourself in a situation where you need to obtain your own health insurance coverage, the choices available to you can be confusing. You'll be sifting through terms like HMO, PPO, premiums, co-pay and deductibles, which can be intimidating if you don't know what you're looking at.
Financial Advice for 50s & 60s
Financial Advice for Your Fifties and Sixties. Financial Planning Throughout Your Life
Financial Advice for Your Fifties and Sixties. Financial Planning Throughout Your Life
New Bankruptcy Law
Important provisions of the new bankruptcy law, which makes it harder for some people to erase their debts
Important provisions of the new bankruptcy law, which makes it harder for some people to erase their debts
Build a Financial Safety Net
Building a Financial Safety Net
Building a Financial Safety Net
Tying the Knot Financially
Tying the Knot: A Financial To Do List for Newlyweds
Tying the Knot: A Financial To Do List for Newlyweds
Identity Theft Tips
You’ve heard about identity theft in the news, and if you’re like most people, you probably think it will never happen to you. While there is a good chance that you’ll never experience this unfortunate situation, it only takes one misplaced document or accidentally clicking on a link on the web to put you at risk. Because it is becoming easier for thieves to obtain the information needed to steal and damage your identity, it is important to take a proactive approach and protect yourself.
You’ve heard about identity theft in the news, and if you’re like most people, you probably think it will never happen to you. While there is a good chance that you’ll never experience this unfortunate situation, it only takes one misplaced document or accidentally clicking on a link on the web to put you at risk. Because it is becoming easier for thieves to obtain the information needed to steal and damage your identity, it is important to take a proactive approach and protect yourself.
Mutual Fund Distributions
Distributions from a mutual fund are earnings from the fund's operation. Unlike individual company who can chose either to retain the profit, or return it to shareholders in the form of dividend or through share buyback, a mutual fund is required by law to be passed on profits to investors.
Distributions from a mutual fund are earnings from the fund's operation. Unlike individual company who can chose either to retain the profit, or return it to shareholders in the form of dividend or through share buyback, a mutual fund is required by law to be passed on profits to investors.
Reduce Your Rates With a Call
As you are probably aware, credit card interest rates can be quite high with rates upwards of 30% annually. This staggering rate can make it nearly impossible to pay off your debt if you can only afford to pay close to the minimum each month. One way to get out of debt even faster is to reduce your current interest rates.
As you are probably aware, credit card interest rates can be quite high with rates upwards of 30% annually. This staggering rate can make it nearly impossible to pay off your debt if you can only afford to pay close to the minimum each month. One way to get out of debt even faster is to reduce your current interest rates.
Personal Finance 20s and 30s
Personal Finance in Your 20s and 30s
Personal Finance in Your 20s and 30s
5 Ways to Save on Gas
Make no bones about it, gasoline is expensive and it isn’t getting any cheaper. You don’t need to switch to public transportation to cut costs at the pump. There are a few basic things you can do that could considerably save money on gas.
Make no bones about it, gasoline is expensive and it isn’t getting any cheaper. You don’t need to switch to public transportation to cut costs at the pump. There are a few basic things you can do that could considerably save money on gas.
Prepare for Falling Rates
Interest rates play an important role in not only the economy, but your personal finances as well. The Federal Reserve regularly monitors economic conditions and has the ability to raise or lower key interest rates that trickle down and affect everything right down to your savings account. As rates begin to fall, what does this mean for you, and how can you plan for lower rates?
Interest rates play an important role in not only the economy, but your personal finances as well. The Federal Reserve regularly monitors economic conditions and has the ability to raise or lower key interest rates that trickle down and affect everything right down to your savings account. As rates begin to fall, what does this mean for you, and how can you plan for lower rates?