It seems like everyone is trying to get a handle on their budget and figure out a way to really maximize every dollar they earn. The money we earn has a permanent front seat in our thoughts, and rightly so! When I was researching the best online budgeting tools, it seemed a bit counter-intuitive to [...]
The recession has brought about a new frugal attitude and more consumers are stepping up to tighten the purse strings. But not all people are still inclined to save their cash for a rainy day or major emergency. Some who believe they were born to shop still are shopping to the detriment of their own [...]
While retirement may be years away for some individuals, it hasn’t stopped them from worrying about their contributions. As more people are living paycheck to paycheck, many are finding they are not able to contribute the maximum to their 401k and other retirement accounts. New research shows that 70% of Americans plan to keep working [...]
It’s that time of year again. The stores already have aisles of notebooks, book bags, and pencils just waiting to be picked up by families anticipating the return to school. It can be very easy to blow your family budget when it comes to the needs (and wants) of the younger generation but with a [...]
Do you have problems with debt? Do you find yourself living from paycheck to paycheck? Are you genuinely confused about where your money goes every month? If you answered “yes” to the questions above then you could certainly benefit from the services of a money coach. Don’t confuse money coaching with personal financial planning or [...]
A budget plan may sound like a very simplistic and unrealistic way to manage your money. Some may even think it is ineffective in the grand scheme of things. The simple fact is that a budget can’t work unless you make it work. The way you make it work is by sitting down, creating it [...]
Deciding when you need help with debt is an individual decision. It will depend on how your debt is affecting you and your family. Some debt can be healthy. Mortgages, credit cards and student loans are all considered healthy debt if they are paid on schedule. A good dose of outstanding balances is not necessarily [...]
How you manage your money plays an integral part in your overall financial health. This is true whether you are rich or poor. Obviously if you have less money to work with, budgeting can be a challenge, however even those who have more money to work with can make mistakes managing their cash. The key [...]
Monitoring spending habits by using the envelope-cash method is a smart and easy way to manage your personal finances. According to a survey conducted by the National Retail Federation, one fourth of US shoppers reported they would use cash this November and December. That is a 9% increase from the same time one year ago. [...]
Staying on a budget, monitoring your spending habits, and controlling impulse buying might not sound like the makings of a beautiful love story, especially to a spontaneous and hopeless romantic. Keeping romance alive, whether married or single, can take the heart right out of your personal finances if you regularly go on expensive excursions. With [...]
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