Personal Finance Information
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10 Money-saving Tips
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1. If you have your haircut every 3 weeks, trygoing 4 or 5 weeks in between haircuts. If youpay $10 for a haircut, you could save $70 a yearby having a cut every 5 weeks instead of 3.2. Buy only generic basic types of cold cereal,if your family must have it. With fall and coolerweather coming, it's a good idea to introduce hotcereal. It's usually the best buy and by usingthe microwave oven to prepare, it is almost asquick to fix as cold cereal.3. If you have a cell phone, don't buy the accessories at the "cell phone store". Check outprices at local discount stores first.4. Quit smoking. Need we say more?5. In some states, children's immunizations areoffered free at local health clinics. Call thelocal health department to inquire.
10 Quick And Cheap Ways To Cut Your Heating Bill
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When you received an energy (heating) bill last winter, were you afraid to open it? Granted that we have a home with a lot of really big windows, but we saw energy bills last winter in the hundreds of dollars. Your bill probably wasn't that bad but I'm guessing that it was a lot higher than you would have liked.The good news is that there are some inexpensive things you can do to cut that cost. Here are 10 of them.1. If you have a fireplace, be sure to keep the damper closed. You can lose up to 5 percent of your heat if your damper is open when the fir...(related: Personal Finance)
10 Steps To Improve Your Financial Situation
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Here are ten steps you can follow to help improve your personal financial situation and inevitably save more money:1. Pay Yourself WeeklyThis may seem a bit odd, but this is an excellent way to start building a substantial savings. On a weekly basis, pay yourself $25-$50 and immediately put it in a safe place. You can even open a special savings account where this weekly "payday" can by placed to help minimize or eliminate impulsive spending. Think about it this way, if you paid yourself $25 a week, in two years you'll have accumulated $2600 (no...(related: Personal Finance)
10 Steps To Take If You Are A Victim Of Identity Theft
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There have been an estimated 9.9 million victims on America and over 40% of all consumer complaints in the U.S. involve identity theft. About half of the victims do not know how the thief obtained their personal information. The Boston Globe and Newsweek have both covered Identity theft this month telling us how important it is for us to educate ourselves on preventing and protecting ourselves from this type of robbery. Identity theft can happen anytime, anywhere and to anyone, individuals or businesses. Everyone must be educated and aware so it can be avoided. Michael Blanchard, US Postal Inspector says postal money orders and business or certified checks are one way you can be at risk. Most identity theft involves the U.S. Mail which is why the U.S. Postal Inspection Servi...(related: Personal Finance)
10 Tips To Make Sure Your Financial Budget Will Succeed
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You've analyzed your past expenses, put them into spreadsheets, loaded Quicken with all of your data and come up with a budget. Now what? The tough part! You actually have to stick to your budget and put your plans into action. This is easier said than done. In many cases you will have forgotten about your budget and your financial goals 6 months or a year down the road. How do you keep this from happening to you?Here's how. Make sure you follow some of these tips below so this doesn't happen to you.1. Create a budget with realistic targets - Let's say one of your budget goals is to not eat out for lunch or dinner on a regular basis. If you are honest with yourself you may find this to be an unrealistic goal. Sometimes it's a nice break to eat out and have a relaxing reward...(related: Personal Finance)
10 Tips To Save Money When Dining Out
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Here are some tips that can help you save money when dining out. Keep in mind that these tips are intended to help you save money when dining out at a restaurant type setting. In other words, these tips will not be related to fast food establishments for their food is already priced reasonably.10 TIPS TO SAVE MONEY WHEN DINING OUT1. If you can choose the time of day, breakfast meals are usually lower in cost. If that's not possible, dine out during lunch or brunch time, which tends to be cheaper than at dinner time.
5 Steps To Healthy Spending Habits
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Next to our physical health most of us are primarily concerned with our financial health, and with good reason. Although our intentions are usually great our follow-through and discipline generally isn't. Mere mention of the word budget or cutback sends us into fits.Healthy spending...(related: Personal Finance)
5 Ways To Absolutely Destroy Your Finances!
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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. (Before continuing, let me be clear that I do not actually recommend such activities-This is a reductio absurdum argument, meant to spur an opposing realization.)#1: Buy everything, yes, everythingYou never know when a neighbor may come over to use your dish towels, so make sure they are ...(related: Personal Finance)
7 Simple Ways To Save Money
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Each of us knows how to spend money, but do we really know how to save our money? No, I am not necessarily talking about setting aside funds for an investments purposes - a good thing - but saving money on everyda...(related: Personal Finance)
A Fresh Start For Family Finances In 2005
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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.1. Build a...(related: Personal Finance)
A Quck Lesson In Saving Money
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Did you have a piggy bank when you were a child? I did. Mine sat empty for a lon...(related: Personal Finance)
Accessing Funds You Never Knew You Had- Household Utilities And Mortgage Expense Reduction Plan
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For most of us the process of getting out of debt and pursuing a venture that would create an income stream leading to early retirement seems just a pipe dream. It goes without saying; it takes money to make money. Most of us have had our eye on pursuing...(related: Personal Finance)
Adverse Debt Levels Blight Uk Consumers Personal Finances
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Debt levels are at an all time high in the UK. The younger generation tend to be feeling the pinch the most, but parents are increasingly being required to bail them out, often at great expense to their own limited mortgage or retirement savings.It has become almost accepted as a fact of life that graduates will begin their careers with a considerable level of personal debt. The Association of Investment Trust Companies found that on average students expected to graduate with £7,208 of debt, while parents believed it would be nearer to £9,741, however the real average was found to be currently r...(related: Personal Finance)
Affording A Home
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Can you really afford a house? If so, how much house can you afford? To determine this answer will take serious financial planning, and the best time to start is at least six months before buying the home.Although buying a new home may seem like an American Dream or romantic venture, the reality is that the house you can afford depends on your current income and debt obligations. You must be able to pay your mortgage, satisfy all your current debt, and still have money left over each month to put in the bank. When you consider all these issues, you may find you will actually be shopping for a lower-priced house than the anticipated dream home.If after careful financial evaluation, you realize you cannot afford the house of your dreams, don't feel tempted to count on expected annual raises,...(related: Personal Finance)
Are You Ready To Be Fired?
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Your boss has just informed you that your department is being reduced by two and you are fired. After he leaves, what are you going to do?This is not about finding a job it's about being prepared for financial change. How you prepare for employment change is different for everyone. Being prepared for financial change is the same person ...(related: Personal Finance)
Are You Sick Of The Financial Insecurity Of Fluctuating Seasons And Income?
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Finding a stable and secure income that will come year in, year out, no matter what happens on the farm, will give you real peace of mind. By investing off farm, you are not only providing a secure income now, but also preparing for retirement. This IS attainable by all levels of income earners and people of all ages.I am a farmer's wife and have lived through some good and bad seasons on the farm. If farming was all about money, then we wouldn't still be here. Most of us farmers genuinely LOVE the lifestyle that farming...(related: Personal Finance)
Avoiding A Nightmare On Renovation Street
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You've decided you want a bigger, better and more desirable house. How do you determine when to renovate, what to do and importantly, how much will it cost and will we get our money back?Unless you're in the building industry, most people are fairly naïve when it comes to making decisions about renovating. Poor choices can be costly, especially if you over-capitalise and spend too much money on the house of your dreams.Michael Hoad of the Subiaco offices of real estate agents Paxton Hoad says many people make the mistake of not planning and fully costing their renovations."Any form of construction costs more than you think when you start ...(related: Personal Finance)
Bank On It: Places To Hide And Invest Money
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Today I passed a thermometer at a bank that read 110 degrees, but I am not telling you that to show you how hot it was. I am telling you that because this bank really needs to fix their thermometer. According to their thermometer, it was also 110 degrees in December. There are a lot of people, places and things that can be more accurate with the weather, and as I've never said (but have always wanted to), "Whatever I trust with the weather is what I also trust with my money." Here are some examples:A random old lady: Certain beings can predict the weather through their bones, and that group includes random old ladies and dogs. I specify "random" because that way I won't get e-mails from people stating, "Hey, why are you messing with my grandmom? Are you saying ...(related: Personal Finance)
Bankruptcy Chapters Explained
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Chapter 7The potential chapter 7 debtor should understand that a straight bankruptcy case does not involve the filing of a plan of repayment as in chapter 13, but rather envisions the bankruptcy trustee's gathering and sale of the debtor's nonexempt assets, from which holders of claims (creditors) will receive distributions in accordance with the provisions of the Bankruptcy Code. Part of the debtor's property may be subject to liens and mortgages that pledge the property to other creditors. In addition, under chapter 7, the individual debtor is permitted to retain certain "exempt" property. The debtor's remaining assets are liquidated by a trustee. Accordingly, potent...(related: Personal Finance)
Bankruptcy Laws Get Tougher - More Expensive
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If you've been thinking about filing for bankruptcy, your best bet might be to file now.A new bankruptcy law takes effect in November that will make it harder and more expensive for most families to file for bankruptcy and discharge their debts.The major result of t...(related: Personal Finance)
Basic Bank Accounts Failing The Basic Needs Of Consumers
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The lists of bank and savings accounts that are available to most people are bewildering. A quick look at a comparison site like Moneynet or Moneyfacts will reveal thousands of different products. Unfortunately many of these accounts are not accessible for anyone with either a poor or even no credit history.Research carried out for the National Consumer Council (NCC) reveals "that the poor pay more, or get less, for essential goods and services? having a ba...(related: Personal Finance)
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Succession Planning
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Have you ever thought about what you are going to leave your children when you pass from this earth? Wouldn't it be a great feeling to be able to give them a really good head start in life - without actually spoiling them?It really doesn't matter how old you are, it's something that you need to be thinking about and planning for now. In the process of planning your inheritance and blessing your children, you are really making YOUR life better and more financially secure because you'll enjoy these benefits before you pass them on. You could really enjoy your retirement instead of having to scrimp and save every dollar.This planning is ...(related: Personal Finance)
Planning Ahead With Your Finances
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If you, like most people, have not seriously considered what steps you should take for planning your finances and are now planning on buying a house, getting married or having children, you will do well to read David Chilton's book 'The Wealthy Barber'.It will not matter if you have never heard of a mutual fund or even balanced your checkbook. If dry financial reading is not up your alley, you will STILL find 'the Wealthy Barber' easy reading. It will have you fluent in fina...(related: Personal Finance)
The Wright Place - Finances
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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.A recent guest on the show Karen Franks, explained how important your credit is and how you should check on it often. 'At least twice a year&qu...(related: Personal Finance)
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