bills
Take Control of Your Financial Fears This Halloween
With Halloween less than 48 hours away, what better time to conquer your biggest financial fears head on. One thing to remember is just like any other types of fear, financial fears are only terrifying when you avoid them. The most powerful antidote for any fear is action. Taking action makes you feel more in […]
Four ways to find cash
When you’re counting quarters at the coffee shop to pay for your morning latte, you may think you’ve hit a new financial low. But what if you had a secret money stash that you never knew existed? The good news is, you do! Finding new ways to save and better utilizing what you have can […]
Saving money on a limited income
Limited income? You’re not alone One of the most common reasons many people cite for failing to save money is that they make too small a salary to devote anything additional to a savings account. While stretching a small income can be challenging, it's not impossible, and individuals who want to build a stronger financial foundation that […]
How to Pay Off Excessive Credit Card Debt
Relying too much on credit to get by has left many people in a position where they are now struggling to catch up. Credit card debts pile up and minimum payments increase. This can cause problems when your payments start to exceed what you can afford to pay in any given month. In order to […]
Are We Financial Slaves?
The concept of financial slavery is psychological, but no one is forcing you to be a slave. Many people feel this way because of giving into materialism. We work long days, pay bills to survive, and use credit cards to buy items we can’t afford. The problem begins when we rack up so much debt […]
Three Wealth-Building Strategies to Start Now
Have the Financial “Talk” Before Moving in Together
Five Painless Phone Calls That Save You Money
Are you looking for quick and painless ways to save money every month? Of course you are….who isn’t nowadays! There is no denying the convenience of online shopping but picking up the phone can actually save you some money. Talking over the phone has a certain human element you simply can’t get on the internet. […]
5 Things to Consider Before Spending
People all across the United States changed their spending habits since the recession hit in late 2007. Pinching pennies and paying off debt became the new way to live. Splurging for big purchases was simply out of the question, even if it was for something useful such as a new appliance or electronic device. […]
How to get organized in 15 minutes or less
Part of being a financially savvy is having order in your everyday life. You can’t expect to keep a budget without keeping track of bills, receipts, checking, saving and investment accounts. Reducing the chaos and implementing organization – whether it’s keeping your wallet clean and rid of old and irrelevant receipts or having your closet […]
Declaring Your Financial Independence
The Fourth of July holiday is a good time to resolve to clean up your finances and start freeing yourself from debt, particularly because it often starts the two months of overspending on summer fun. Make this the year you tighten up your own personal economy and sharpen your long-term money plans. Steps to achieve […]
The Five Critical Needs of Children
Yes, debt can be daunting. When most families find themselves struggling with debt or working to resolve their issues, often when both parents are working and the day to day just seems to be a grind, it’s important to take a step back every once in a while and truly take stock in what is […]
Don’t be Fooled by Credit Repair Scams
When a person is in debt they tend to get desperate because so much is on the line – they could lose their home, car, family and destroy their credit score. They lose sleep over it, don’t perform properly at their job and can become moody, which impacts their private life. They transform from a […]
Dealing with Old, Small Debts
by Benjamin Little, a guest blogger Everyone’s debt situation is different so the best approach for dealing with it will vary. The following are guidelines for dealing with small (generally under $2,000) debt which is showing on your credit report as being “charged off” or “in collections.” The most important thing you must do is […]
Is Debt Ruining Your Life?
by April Lewis-Parks Debt has been a curse to many Americans, especially since the economy bottomed out, the cost of living went through the roof and good paying jobs met the same fate as the dinosaurs. Aggravation and frustration greet people each morning and there seems to be no help in sight. But there are […]
Take on the “Get Out of Debt” Challenge
Over 40% of American families spend more than their monthly budget, which means that they are accumulating debt. It’s a terrifying scenario but many of them just can’t get their finances together in order to spend less and save money. The bottom line is: They need debt help. Getting out of debt, particularly credit card […]
Don’t Take a Vacation from Your Finances – Strive for Financial Independence!
Make this summer the time you tighten up your own personal economy and sharpen your long-term money plans. Here are some essential steps to achieve financial independence: 1. Pay yourself first. This personal finance adage is one of the wisest, but Americans tend to make it a priority only in challenging times. Set aside a […]
Are You in Financial Denial?
Financial denial is a money disorder not unlike other problems that people suffer from on a daily basis. I have encountered quite few people from all walks of life who have been in deep financial denial. It can be so easy to just throw away bills or not open them because you don’t want to […]
Winterize Your Home and Save Money
Winter is almost upon us now so it’s time to winterize your home before the wind chill, snow and ice cause your energy bills to break new records. With little out of pocket cost, you can create a nearly winter-proof home, and it won’t take much time or labor on your part to make it […]