If you use a credit card in the right way, they can actually be a good money saving option. Able to cut the cost of your shopping, improve your credit rating and offering good borrowing rates, if you’re money-savvy you might find that having a credit card can keep you on the right side of your bank...
Sometimes it seems that most money tips are just aimed at the pros, so below I’ve included several tips that will work for absolutely anyone. Enjoy!
Track What You Buy So You Don’t Overspend
It sounds hard, but really tracking what you spend doesn’t take much time or effort. All you need...
I know that not everyone likes talking on the phone. I get it. It can be a little awkward, especially if you are calling your credit card company to ask for something that you want. This could be anything from lowering the interest rate on your card to having some fees waived. It’s very hard to...
Kids are fast learners, and one of the best lessons that we can teach them is money management. However, money management is often hard for many adults to grasp, so how can we teach our kids about money in a way that is engaging?
First, we can realize that there are opportunities to teach children...
After years of being a Penny Hoarder, one remarkable thing I have discovered is that free money is everywhere. Yes, you may need to jump through some hoops to get that free money, but so what? It is free money! If you stay organized and on top of the offers, you can get free money with no strings...
These days, we have an unlimited amount of methods to purchase items. We can use credit cards, cash, checks, PayPal, gift cards, and even a variety of phone apps. However, the two most common forms of payment are still cards and cash.
Many people have told me that they spend way more money with their...
If you’ve never budgeted before, it can seem like a lofty goal. In truth, it’s much less complicated than it sounds.
Having a budget is one of the best things you can do for yourself and your financial future. If you don’t know where to start, simply follow the first three steps below...
Call us what you will. Millenials. Gen-Y. Echo boomers. (We’ve been called worse.) The truth is, it doesn’t matter what the “title” of our generation is, since it’s up to us to decide how we’ll be remembered. It’s up to us to counter the way we’re perceived, which unfortunately includes...
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January is the start of a new year, a blank page to re-write your destiny. Instead of making resolutions that won’t last, this year devise a plan to help you reach your goals, whether they are financial, health related, or personal.
I know nothing is more difficult...
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...
(Photo credit: 401(K) 2012)
Could you live on an average of less than $10,000 a year? According to the U.S. Bureau of Labor 24.4 million households do. But at what price? Statistics from the Consumer Expenditure Survey show the bottom 5th of America get by, but are often in debt spending double their...
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Across the United States debt takes its toll on members of all generations in various ways. Younger workers are struggling with high rates of unemployment and low wages causing them to rely more heavily on credit cards to get by. With heavy credit card use to make up for lost...
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My husband and I have been dutifully working on paying off our cumulative $40,000 debt since we’ve been married. The debt was a mixture of credit cards, a car loan and student loans. In a little over 30 months, we’ve been able to pay off more than...
For those that have graduated college in the past five-ten years, chances are you’re still paying off student loans. Six years after college, and I am still faced with approximately $20,000 in loans, even though I’ve already paid down more than $10,000. I often wonder how people my age, the...
Chances are you have read several articles on how to cut your grocery bill in half or how to save $5000 a year by making simple cuts. However, I am going to guess that you are still in a financial hole. Why? Simple. Those tips you read are what the writer has done, and when it comes to personal finances,...
Financial experts of all stripes tell us to have a budget. But even with this knowledge in mind, many people still don’t have one. How could that be?
Let’s face it, budgeting is kind of hard—you’re trying to implement a system for tracking your expenses, and since you’re probably spending...
