End of Life Planning Isn’t Only a Will and Life Insurance

Published on Mar 17 2014 // Personal Finance
End of Life Planning Isn’t Only a Will and Life Insurance
My husband and I got life insurance nine years ago, when our son was just an infant.  My dad died when I was just 15, so I knew how important life insurance was.  Our will, however, was a different story.  I’m a bit embarrassed to say that after dragging our feet for years, we just completed...

How to Stay Motivated to Save Money

Published on Mar 10 2014 // Finance 101
Saving money is a practice that most people have, at one time or another, taken part in. Saving is crucial, whether you are trying to achieve financial responsibility and financial freedom or just planning a lavish vacation. Many people find, though, that saving money can be particularly difficult. A...

Taking Financial Advice Is Like Using a Garmin

Published on Mar 10 2014 // Debt, Personal Finance, Retirement
Taking Financial Advice Is Like Using a Garmin
We recently took a vacation to Arlington, Virginia.  When we reached downtown Arlington, it was in the middle of a Saturday afternoon.  The streets were packed with cars and pedestrians; the sun was shining.  The temperature was warmer than we Northeners had felt in about four months.  While navigating...

How We Got Through Debt In Our Marriage

Published on Mar 06 2014 // Debt, Personal Finance
How We Got Through Debt In Our Marriage
When my husband and I got married, we were broke. So broke that we had to downsize from our one-bedroom apartment to a studio loft. It was really hard being broke and the debt really took a toll on our relationship. But here we are, almost four years since we’ve been married, and we’ve paid off all...

How Long Should You Keep Old Documents?

Published on Mar 03 2014 // Personal Finance
How Long Should You Keep Old Documents?
The other day I was filling out tax information for my accountant.  I had to find some information from last year.  That’s when my lackadaisical approach to filing came back to haunt me. You see, three years ago, when I had two children born just 17 months apart, my previous organizational skills...

Steps To Take If You’ve Been Refused Credit

Published on Feb 25 2014 // Personal Finance
Your credit history may not be in terrible shape, but if you have experienced a few problems here and there, you could find that lenders are taking a much tougher line. Although the economy is technically out of recession, growth has not yet returned and the cautious stance taken by many banks and building...

Are you making these money mistakes?

Published on Feb 22 2014 // Personal Finance
Are you making these money mistakes?
Most likely, you’re already well underway with your financial goals for 2014. Are you saving enough? Spending less? Earning more? It’s easy to keep track of the numbers and see how much we progress—or delineate from our goals. But what about the money mistakes we make? Sometimes, it’s just about...

Income Protection Insurance Helps Buffer Unforeseen Circumstances

Published on Feb 20 2014 // Insurance, Personal Finance
Why do people purchase life insurance? It is because they have identified a need for insurance in their lives. One of the most common forms of insurance purchased is life insurance. We tend to purchase life insurance so that we can provide for our families should the unexpected happen and we are no...

How Should You Spend Your Tax Refund?

Published on Feb 19 2014 // Personal Finance
How Should You Spend Your Tax Refund?
From the waving tax mascots on the side of the road to the endless HR Block radio ads, everywhere you look there is a blaring reminder that it is tax time. For some, tax refunds are a joyous time, while for others, it means another financial burden added to your load. If you are lucky enough to get a...

How to Be a Financial Olympian

Published on Feb 10 2014 // Budgeting, Personal Finance, Retirement
How to Be a Financial Olympian
The Olympics are well under way now, and I find myself watching more than I should.  I especially like watching events like snowboarding.  I’m amazed by how high the snowboarders go and how many stunts they can perform while flying through the air.  The other events, too, like figure skating...

People Don’t Change: Learn This & Save Yourself Time and Money

Published on Feb 03 2014 // Personal Finance
People Don’t Change: Learn This & Save Yourself Time and Money
People don’t change.  That’s a lesson that all of us could learn.  Doing so could save us a lot of head banging on the wall and also a lot of money. Take dating.  Let’s say you’re dating someone that you really like.  In fact, you could even see yourself settling down with...

Why You Should Skip Valentine’s Day

Published on Feb 01 2014 // Personal Finance
Why You Should Skip Valentine’s Day
I actually really like Valentine’s Day. It’s a very sweet holiday, but honestly, this year I’m probably going to skip it. Yes, you read that right – skip it. I’ve been dead serious when I say that all I want for the occasion is a pair of pink socks to put in my hospital...

How To Focus On Your Finances

Published on Jan 31 2014 // Personal Finance
How To Focus On Your Finances
The world we live in today is very, very distracting. Seriously, I can barely sit down and write a blog post without my phone buzzing constantly. (Since becoming self-employed, I’ve actually started leaving it in my room during the day!) Anyway, the point is that it’s hard to stay focused...

How We’re Preparing to Buy Our First House

Published on Jan 30 2014 // Housing Market, Personal Finance
How We’re Preparing to Buy Our First House
If you’ve been following our journey, you know that my husband and I have started an audacious goal of saving $30,000 this year with the full intention of using these funds for a down payment to buy our first house. Last year, I asked if it was the right time to buy a house. Ultimately, we decided...

Telematics Could Help Van Drivers Save

Published on Jan 30 2014 // Personal Finance
The gradual introduction of telematics to the UK’s roads over the last few years has divided opinion. On the one hand, many drivers are happy to install the ‘black-box’ which records their driving and sends details to their car insurers. For some, however, the idea of having their driving ‘tracked’...

5 Things you didn’t know Could Affect your Credit Rating

Published on Jan 30 2014 // Personal Finance
5 Things you didn’t know Could Affect your Credit Rating
Everyone has heard of a credit rating, but not everyone understands exactly what it is. Your credit rating is very important when it comes to borrowing money. If you want to buy a new car and you have a good credit rating, you will have absolutely no problem in getting a loan. Conversely, if you have...
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