Personal Finance Information

Personal Finance Information

Money Saving Tips. Maximize Savings on Everyday Items!

Frugal living is more than a lifestyle. It's a passion.

Top 10+ Ways to Jumpstart your New Year's Finances!

Of course, these don't have to be done in any particular order! Just pick one or two that particularly apply to your situation. * Create your 2005 filing system.

Budgeting your Savings - Did You Let Your Piggy Bank Get Away?

I think most of us have at some point in our lives. Some how we forget to feed the little piggy.

Budget Planning - Its Elementary My Dear Watson

Does it feel like you have to be Sherlock Holmes to solve the mystery behind balancing your personal budget? Are you living a mysterious thriller where your realization of "financial independence and security" is a vicious repeating cycle of debt? Don't be afraid?..

Save Money on your Clothing Budget. Tame the Closet Monster!

Reducing the clothing budget was a serious challenge for me. Two pre-teen girls and a teenage girl certainly didn't make life any easier.

More Money? My Cup Runneth Over...But Im Still Thirsty

Most of us, especially those of us who have debtor's disease (if you have it you know what it is!), have commented or at least thought, "If I could just win the lottery, or sweepstakes, everything would be better." Unfortunately, even if that big dream did come true things probably would get worse instead of better.

How to Draw a Personal Budget that Works

Many people spend their little income haphazardly without any planning and end up getting broke before month-end. They then borrow to make ends meet and end up with more problems that they fail to repay their debts promptly.

5 Ways to Absolutely Destroy Your Finances!

Ben Stein has a book called How to Ruin Your Finances. To be honest, I'm not sure an entire book is needed on the subject-there are some fairly quick and easy ways to accomplish the task.

A Fresh Start for Family Finances in 2005

While 40% to 50% of us make New Year's resolutions on January 1-a ritual that has existed since ancient times-approximately 60% to 80% of us have already broken them by the end of February, according to researchers.It's still not too late, however, to reset the trajectory on your family's finances, experts note.

Money Matters: Strengthen Your Marriage by Putting Finances in Order

Did you know that 43% of all married couples argue over money issues, making it the major reason couples fight? If you and your spouse handle money differently, now is the time to talk, establish expectations, and draw up a financial plan.Money is a very big part of a marriage.

Organizing Your Finances - Thinking Outside the (Shoe) Box

If you're like most people, your personal financial records are most probably kept in less than "Good Accounting Practices" standards. For example, stashing old ATM receipts and hanging on to a stub showing what you paid for a pack of mints two years ago (cash, of course), might be filed with your paycheck stubs, credit card statements - paid and unpaid alike - as well as a few tax forms, a stray paper clip and a penny.

Kundalini Lessons - Money

I've been going through and interesting growth period lately that I thought I'd share, as some of the lessons were pretty profound (at least for me).I've written before about my awakening and the joys and tribulations since, and I've also mentioned that it's an ongoing process which, as far as I can tell, doesn't really end til you shuffle off this mortal coil.

Know Thy Finances

The first step to financial success lies in knowing your financial situation at any given time. There is an anecdote attributed to John D.

The Wright Place - Finances

Women have a love/hate relationship with money. Most of us do not enjoy dealing with it, yet we know not having finances under control will cause our entire family to suffer.

Whats The Truth Behind Your Finances?

Between 15 - 20% of people in our country (UK) own there own businesses. This statistic is on the rise thanks to the incredible invention of the Internet.

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Finance:Personal Finance Articles from
10/01/2019 09:31 AM
Habits and Your Financial Health
There is a saying "you are what you eat". There is another saying that is equally as important - "you are a product of your habits". Using an analogy of an ocean liner - how would you steer it to change course in a meaningful way? Very slowly but consistently.
10/01/2019 09:28 AM
Top Rated Money Market Accounts: Understanding How MMAs Work and Which Bank to Choose From
A "money market account", or MMA, is a low-risk savings solution offered by credit unions and banks. Unlike with personal savings accounts, banks can actually invest the money from MMAs in other places such as bonds and CDs. The places they invest in are very low-risk, making the investment from the customers purchasing the MMA very low-risk itself. Investing in the top rated money market accounts is worthwhile since you will receive a better interest rate than you typically would with a savings account.
09/11/2019 02:35 PM
Check Out These Odds Before Applying For A Credit Card?
Are you planning to get a credit card? Be sure to give these crucial points a thorough read first.
08/28/2019 11:36 AM
Top 5 Frugal Living Ideas to Save Money for Emergencies
Are you looking for ways to live frugally and save money? Frugal living means being resourceful and not spending more than required. In short, it implies that you are a careful spender and stay content living with less to save money for emergencies!
08/01/2019 07:17 PM
Latest Smart Ways Women Can Reduce Long-Term Care Insurance Costs
There are important newer ways that older women who are single, divorced or widowed can plan for long-term care and reduce the cost of long-term care insurance protection by 20, 30 and even 40 percent yearly. Strategies shared by the American Association for Long-Term Care Insurance can help women who are 60 or older begin the education and planning process.
06/27/2019 12:29 PM
The Smart People's Choice: Paying the Rent Online
Nowadays, the fast Wi-fi connection plus the introduction of new mobile apps have enabled people to pay their bills online, and to schedule appointments as well. Tenants use the same technology to pay rent on time and manage their funds. Paying online anytime and anywhere has become the new standard.
06/27/2019 12:29 PM
A Few Healthy Reasons to Start Collecting the Rent Online
A landlord's life is quite stressful, whether he manages one rental property or a hundred. It is hard to find tenants who are responsible and trustworthy, as well as maintain a property and collect rent. The process is, without a doubt, demanding.
06/27/2019 12:29 PM
Here Is Why You Should Switch to Paying the Rent Online
Some people are hesitant to pay their rent online - why do this when they are used to paying the traditional way? Come to think of it, there are some benefits when paying rent online. Property owners are now offering online payment schemes to tenants, giving them an opportunity to manage their finances better, free themselves from stress, and improve their credit standing.
06/12/2019 02:28 PM
How a Gold Bull Run Is Setting Up Beautifully for 401k and IRA Holders, As Well As Retirees
It's been about 5 years since the price of gold has done anything interesting, but with a recent move past $1300 and several billionaires endorsing the yellow metal, it could be high time folks took a closer look at precious metals for their 401ks and IRAs. Just how high could gold go? Try $5,000/ounce in less than 10 years, for starters.
05/17/2019 03:12 PM
Calling All Millennial Women: Your Finances Need You
Millennials are the fastest growing group in the workforce and are dealing with the challenges of graduating during a recession and the continued wage gap. Combine these factors with the likelihood of taking time away to have children and a longer lifespan, it's more important than ever to master finances and long-term planning.
05/15/2019 09:15 AM
Basic Financial Planning: The Self - Help Possibilities
The wealthiest Americans, often, rely upon, a large number, of, hopefully, well - qualified financial professionals, to plan, such things, as tax planning, estate plans, efficient budgeting, diversified investing, etc. However, for the vast number of us, we neither, have the amount of assets, nor the need, or ability, to hire these individuals. Most of these professionals charge significant fees, and, often, demand, a minimum amount of assets, to be invested.
05/13/2019 01:49 PM
Finances Are Vitally Important
No one can live without money or some means of obtaining the things they need in life. Everyone has problems, and some people have huge financial struggles. The people of Japanese heritage living in the United States during World War II faced huge financial hardship when they were stripped of their money and their means of earning money. They were incarcerated in camps but later succeeded by working hard.
04/23/2019 01:58 PM
What Else Do I Need to Think About in Retirement Beside Money?
There is a lot of buzz out there about having enough assets or income to be ready for retirement. Enough assets and income for what? The key to the financial side of retirement is to know what your expenses are. From there, extra costs like taxes can be added, and then the assets generating the income can be forecasted to see how it will pay for these costs. How to arrive at these expenses means asking yourself: "What kind of lifestyle do I want to have?" Since there are so many variations of the answer to this question, there is some introspection that likely will take place that will help form the retirement vision.
04/23/2019 01:54 PM
Your Path to Becoming Financially Free And Genius
So you decided to become financially free. That is a genius decision. Having to worry about money constantly is bad for your health and your wallet. Living in constant fear of creditors or collection calls is a nightmare, and one you can avoid.
04/23/2019 01:53 PM
What Is Fee-Only Financial Planning?
The world of financial advice is divided into 3 main categories. The traditional financial advisor is what most people are familiar with. This is the most common arrangement where a financial advisor works for an institution and sells product. The financial advice is given "free" and is part of the process of selling these products. The second category of advisor is called a fee-based financial advisor. This type of advisor does the same thing as the traditional advisor, but charges a flat percentage fee based on the assets managed rather than by product. The cost can be less but still can add up over time because the fees are based on a percentage of the assets you have. The advice is still part of the service and is "free". The last option is a fee-only or fee for service financial planner. This type of planner only gives advice and does not sell product. The charge for the advice is a flat dollar amount based on how much time is spent or how complicated the project is.
04/08/2019 09:39 AM
10 Common-Sense Ways to Cut Expenses and Get Rid of Debt
These are just a couple of questions to ask yourself when figuring out how to cut expenses. Better budgeting doesn't mean you live a boring, restricted life or have to feel weighed down by money. It's actually the exact opposite! You don't need to turn over every penny to save on your monthly expenses. Try these unexpected ways to cut expenses and start to improve your credit score.
04/04/2019 09:25 AM
3 Biggest Downsides of Bad Credit
Quite an unpleasant feeling when you need an apartment, find the apartment but can't get the apartment because you have small debts holding down your credit scores. Low scores, for some, can really affect your day-to-day. Especially if you're dependent on your credit.
03/28/2019 09:06 AM
Empowerment and Equality and Your Finances
The slogan "girl power" has been used for decades to encourage and celebrate female empowerment, independence, and confidence. The term used most often relates to sports and employment; however, new studies are showing that women need to exert their girl power when it comes to finances and financial planning.
03/22/2019 01:49 PM
Keeping Your Passwords Safe Is More Important Than Ever
Do you keep using the same password and variation? Are you keeping those little lists on sticky notes or folded papers in your wallet? Read how we are working with clients to change their ways and create safe and secure passwords.
02/05/2019 04:42 PM
Great Stock Market Guidelines for a Successful Portfolio
Investing can sometimes seem like a tough thing to do. A lot of people want to see their money grow, but they aren't sure where to start. The stock market is a good place to invest your money, so if you want to learn more about how you can make a reasonable income through the stock market, then this article is for you.
01/24/2019 09:51 AM
What's Your Money Secret?
That secret recording, your secret recipe, or your secret talent! Everyone has a secret. Even in money matters. In fact, only a few people would really know your actual money records, spending habits, or financial history - and for sure there are one or two financial matters that you have been keeping to yourself... unknown even to your life partner. You probably had a spending or credit memory you've been wanting to forget; unfortunately, for money matters 'past is past' doesn't really apply entirely.
01/16/2019 02:00 PM
Prepping for the After-OFW-Life
If you're ready to retire as an OFW, or a Filipino who just started working abroad, you may want to consider reading this list of the working realities and the best ending story of an OFW's journey. Take a peek into the common realizations when you're finally working as an OFW, and see the list of the most realistic and recommended next steps after the OFW life.
12/12/2018 06:19 PM
Finding Your Financial Advisor
It is critically important to understand if your financial advisor will be acting as a fiduciary for you or, instead, seeking investments that are suitable for you. It is also important, though, to learn if this is a trusted person that understands your needs, offers an approach that feels comfortable, and has the experience you seek for your unique circumstances. To help navigate the sometimes stressful search, we have put together our top five recommended questions when seeking a financial advisor.
12/04/2018 04:34 PM
Control Your Finances The Easy Way
Too much month at the end of the money? Many people are faced with the problem of running out of money before their next payday. This is usually because they don't take the time to organize their incomings and outgoings and end up wondering what happened to their money. There are solutions to help you control your finances which have helped me over the years and now I want to share them with you so you can learn to control your finances the easy way.
11/27/2018 01:00 PM
November Is Financial Literacy Month
Most of us only think of literacy in relation to reading. This month is meant to bring awareness to the term Financial Literacy and what it means to everyone. It doesn't mean understanding how to look at your bank statement, but rather looking at your entire financial plan and understanding how it fits your stage of life.
11/20/2018 11:16 AM
Increase Your Income
Increasing your income is the only way to build wealth. The more you can increase your income the more you can save and invest later. The best way to increase your income is with your current income flow. Here is how you do it.
07/31/2018 09:04 AM
Russian Roulette: A Dangerous Financial Game
Sometimes those little hairs on the back of my neck would tingle, I'd notice them with dread and then pretend not to notice. Do not play Russian Roulette with your life. If you suspect financial hanky-panky, act quickly because when the money is gone, it's not coming back! Blame and ignorance do not pay the bills and debt collectors do not care.
07/24/2018 02:39 PM
Your Financial Checklist of Things to Do When You Retire
You've finally made it to retirement age! Congratulations! Now it's time to take a few smart financial steps so you can relax and enjoy your new-found freedom!
07/10/2018 08:19 AM
5.5 Steps on How to Save for Your Big Play
Save to invest into your big play. Do you have the financial resources to invest into the deal of a lifetime? Here are 5.5 steps to save for your next big deal.
07/09/2018 03:26 PM
Online Forex Trading - A Way to Enter in the Biggest Financial Market
The global increase in trade and foreign investments has led to inter-connection of many national economies. This and the resulting fluctuations in exchange rates, has created a huge international market for Forex, opening up another exciting avenue for trading.
06/30/2018 07:27 PM
The Secret Legacy Behind "Buy Term and Invest the Difference"
40 years after A.L. Williams started the "Buy Term and Invest the Difference" movement, a new study reveals how his legacy has affected the American family's financial health
06/21/2018 09:08 AM
Spend Money on Everything That Fulfills You
Very few things in life can provide fulfillment to the inner soul, and travel is one of them. When you combine travel with education, be it gaining or receiving the knowledge, it becomes a gratifying journey.
06/16/2018 10:37 AM
Reasons to Go Cashless and Ditch Paper Money
Going cashless can bring a lot of convenience to your life and make it easy to stay on a budget. More and more people are going this route and giving up paper currency all together. It looks like digital payments and cards can be used for everything. We've given you a few reasons why going cashless may be right for you.
06/12/2018 10:53 AM
Top Three Things You Should Do After Winning the Lottery
There's nothing wrong about using the money you earned from winning the lottery for pleasure like shopping, travel and others. However, keep in mind that it will eventually run out if you keep on spending. Before it happens, make sure that you have undertaken the following tips in order to avoid problems and to ensure that your cash is spent wisely.
06/04/2018 08:52 AM
Life Changing Investment Mistakes
This article is about the biggest Investment mistakes that can change your life entirely. Investment is the method of generating profits with the money we save. Money is the most important thing in any individual's life. Without money, no one can survive. Therefore we should start saving our money and start investing. Financial Planning is the first step to take. Financial Planning helps us to set us long term and short term goals and according to these goals we can create a plan and spend our money accordingly. If financial planning is not properly devised then we can make many mistakes which can affect our life tremendously. Some of the mistakes we make are discussed below.
05/09/2018 08:03 AM
How Does the 2018 Federal Budget Affect You and Your Family?
If you sat down at 7:30 last night to watch the 2018 Federal Budget Announcement, you may have found yourself a little overwhelmed. With so many figures and areas of taxation to get your head around, we have sat down, dissected and summarised the answers to the question you may be asking - "What's in it for me (and my family)?
05/05/2018 05:37 PM
How To Earn a Pretty Profit With Diamond Investing
One of the great benefits of owning a diamond, besides the status and luxury of the gem, is that it will never see its value decrease. Learn more inside my article.
04/27/2018 03:18 PM
Make Goal Based Investing to Realize Your Financial Goals
Life is all about setting different goals and achieving them one after another. As Tony Robbins said setting goals is the first step in turning the invisible into the visible. When each rupee you invest has a definite purpose behind it, is called Goal based investing.
04/25/2018 09:07 PM
Why Do More and More People Choose Online Payments?
Consumers are used to having instant connections with information, entertainment, other users through text message, social media and products they want to purchase. Since people expect that almost all their needs can immediately be addressed with the help of technology, it is not surprising that they would rather go for online payments and the businesses that accept them. The top reasons why people choose online payments are as follows: They get rid of geographical limits.
04/25/2018 09:06 PM
Online Bill Pay and How It Works
Online bill pay is fast becoming a popular means of payment among people who want to practice good debt management skills, and save on both time and money in the process. What exactly is online bill pay? Generally, it is a payment method that lets an individual carry out payment instructions to creditors electronically through a computer program.
04/25/2018 09:05 PM
Online Bill Pay and Its Benefits
For every one of us, there are several bills that are paid on a monthly basis. The list includes rent or mortgage, electricity, credit cards, cell phone, internet and cable, among others. Most people pay an amount in double digits.
04/23/2018 04:07 PM
How to Transfer Your SBI Savings Account From One Branch to Another Online
Those days are gone when people had to stand in long queues, fill forms, submit innumerable documents and then wait for several weeks to get their savings accounts transferred from one branch to another. With the help of internet, account transfer from one branch to another has become quick and hassle free.
04/18/2018 08:11 AM
Investment Strategy: The Investor's Creed Revisited
The "Investor's Creed" sums up several basic asset allocation, investment strategy, and investment psychology principles into a fairly clear, personal portfolio management direction statement. Through the application of a few easy to assimilate processes, you can plot a course to an investment portfolio that regularly achieves higher market value highs and higher market value lows while consistently growing both working capital and income... regardless of what is happening in the financial markets. So rather than rejoicing through each new stock market rally or lamenting each inevitable correction, you should be taking actions that enhance both your working capital and its income productivity, while at the same time, pushing you forward toward long term goals and objectives.
04/17/2018 03:05 PM
What Causes Volatility in the Pakistan Stock Market
For a long time, Pakistan's Stock Market was performing exceptionally well. Over the years of continued stable political and improved security indicator further strengthened the economic activity in the country. All of a sudden, political turmoil gripped the country in wake of Panama Leaks accusing head of the ruling party.
04/16/2018 02:13 PM
What Is Emotional Spending and Saving?
How you use your money is a reflection of your thoughts and emotions. Another way to say this is that you handle your money according to how you think and how you feel. When your thoughts and emotions are unbalanced or unhealthy, this will show up as unbalanced spending, addictive behaviour or irrational decision making.
04/10/2018 03:01 PM
The Power of Thrift
If you look up the word "thrift" on the Internet, you'll find that it's generally related to being extremely careful with money. But thrift is much more than that and that it's an extremely powerful way of life that you should give serious consideration to.
04/06/2018 10:23 AM
How Do Credit Card Companies Make Money?
A number of banks and financial institutions are offering credit cards nowadays. But how do these card issuing companies earn money from their credit card business? While fees and charges help the banks earn, here we will learn about the other ways how they make money from this venture.
03/29/2018 09:56 PM
Why People Rarely Get Rich Quick
The world seems like a huge ball full of endless opportunities to get rich but still millions, if not billions, of people are stuck in poverty. While some cases may be argued as sheer bad luck or misfortune, most people are simply not becoming rich because of various factors that will be highlighted. Most people don't become rich quick because of the failure to balance the paradoxical process that is full of contradictions, requiring a strategic balance of the various elements.
03/29/2018 09:54 PM
How Stress Affects Your Wallet
Worry and anxiety are probably the most operative words usable as descriptive vocabularies of the term stress. Do you have fear or anxiety clouding in any sphere of your life? Do you have professional or job-related stress?
03/29/2018 09:51 PM
5 Ways Being Overweight Costs You Money
Obesity is not only costly to your health, but being overweight also has adverse implications on your finances. Apart from the obvious medical expenses associated with treating health conditions such as diabetes and high blood pressure arising from being obese, here are 5 nonmedical ways being overweight costs you money. Loss of income Lost wages are the earnings an employee does not receive from their employer because they missed work or were unable to work for one reason or the other.

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