Summer Vacation by faungg
It’s summer time, and if you are lucky this means it is time to go on vacation! You already know that searching online for discounts for hotels and airfare can save substantial amounts of money when you travel; however, did you also know there are other small ways to save? These three tips are painless and simple. Use them to enjoy your vacation on the cheap -
Bring your own food instead of spending money eating out
This is pretty self-explanatory and chances are you may...
How many times have you found yourself paying off the same credit card over and over again? Perhaps you paid off that 5, 10 or $15,000 debt and swore to yourself that you would never get into credit card debt again, but yet you found yourself a year later back in the same credit card debt hole.
I’m not here to judge. I’ve been there. Several times.
When my husband and I got married, we found ourselves with $5,000 in combined credit card debt. It took us a few months to get used to our finances...
Most people start worrying about debt after they are in too deep and can no longer keep up with monthly repayments. But what if you are not in debt but are currently planning for the future? With wedding season in full swing, here are four tips that will help you manage your finances without falling into the debt trap.
Work out a Wedding Budget
With the average cost of a wedding standing between £15,000 and 25,000, it is no surprise that many couples begin married life on a less than stable financial...
If you’re a recent college graduate, you likely have student loan debt, perhaps crippling student loan debt. I graduated from grad school 14 years ago, and finally, this year, I’ll pay off the last of my student loan debt. (Debt taken out for a career field I’m not even in anymore.)
If you’re right there with me, know we’re not alone. Yahoo! recently featured the stories of 7 people, ranging in age from their mid-20s to 40s who were suffering under crippling student...
FreeDigitalPhotos.net
Summertime is here, and now is a great time to take your family on a much needed summer vacation. However, not everyone has a large vacation fund that they can dip into every time they want to go somewhere new, but fear not, we’ve got some great tips to share!
1. Have a Huge Garage Sale
Garage sale season is one of the greatest things about summer. Spend a week or two going through your old items, and decide what you don’t want anymore. Then, carefully label all...
Regardless of your age, your retirement is something that should never be too far away from your thoughts. But as you begin to reach a ‘certain age’, the importance that your pension holds and the role it will play in your future becomes a much more real prospect.
The earlier you start a pension fund, the greater the rewards. But, the tick-tocking of retirement draws closer, people begin to look at making investments to help bolster their pension pot. One concept many people consider is finding...
As your small business grows, you may find the financing and business plan you started with aren’t enough to move you forward. Or, you may be looking for a loan to keep up with current demand and expenses. If so, now’s the time to create a new growth plan, get to know a business banking officer, and start a small business loan application. Developing a banking relationship with a lender means you’ll have someone who understands your business and can walk you through the small business loan...
How much should you save before you pay off all your debt?
According to the Dave Ramsey method, you should establish a $1,000 emergency fund first and then put as much money as possible toward your debt until it is completely paid off. I’ve never felt comfortable with just having a $1,000 emergency fund. But what I have found is that we would save a lot of money and then make one large payment toward debt.
This happened a year and a half ago, when we had saved $8,000 in cash as an emergency...
Personal finance is so interesting because it’s just that–personal.
While you might not think anything of paying $100 for cable, others may choose to go without it entirely because they’d rather read or do something else. You may scoff at buying shoes for $40, while another person may feel they’ve just scored a deal with those same shoes.
Then, there are other choices. Are you willing to spend big bucks for things that depreciate such as a luxury car, or would a Toyota...
There are so many ways to save money, but it’s important to note that different strategies will work for different people. With so much information out there, it can be hard to find the one that works best for you and your situation. The best approach is to try out several different savings techniques to see if they fit with your lifestyle before deciding on the one that works best for you. To get some ideas on how to approach saving money, read about the strategies below.
Save At The Beginning...