Category Archives: Personal Finance

Saving for Retirement Without a 401(k)

While investing in a 401(k) retirement plan is a viable option for some people, there are several alternatives for building a nest egg that will provide you with more flexibility. Your employer may not offer a 401(k) plan, or even if they do, you may be seeking a backup plan. Here are four options for saving for retirement outside of a 401(k).

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Don’t Ignore Your Credit Score

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You may be like so many other people and be confused about what your credit score means and how it impacts you. Another common misconception is that you shouldn’t use credit unless you can’t afford something. This may be putting you at a disadvantage when you need to make a larger purchase, such as a car or a home. Continue reading

6 Tips For Getting Debt Under Control In 2018

If you have outstanding debt, you may feel like you’re drowning some days. Getting out of debt is an excellent plan for the new year. Here are a few ways that you can take back control of your financial life.

1. Prioritize your debt by interest rate.

The higher your interest rate, the more you’re going to pay overall. Prioritize your debt by interest rate, not by the amount you have to repay. A lower bill now could end up higher than your highest bill if it has an outrageous interest rate. This is also a good time to take complete stock of all of your debt and to get a realistic of view of exactly how much you owe. Continue reading

Four Tips For Giving Great Gifts Without Breaking The Bank

As the holidays roll around we all start to look for ways to cut corners and save as much of our hard earned money as possible. The good news is that it is absolutely possible (and even easy) to save money without sacrificing any holiday joys! Let’s take a look at some effective ways to have a truly memorable holiday season without breaking the bank. Continue reading

Long Term Financial Tips For New College Students

Most high schools and colleges don’t require that their students take finance classes. As a result, many college students and young adults become somewhat clueless when it comes to managing money. That’s why this article will reveal the four most important things that college students need to know if they want to live a comfortable and abundant life after college. Continue reading

Carrying Cash In a Cashless World

For decades, the world has slowly been moving towards a cashless society. Most of us carry one or more credit cards with us at any time. We are always ready to pull out one of those cards and make the purchases that we want to make. It is easy and reliable for sure, but some ponder if there are still reasons to carry cash at all. The answer may still be yes. Continue reading

Three Signs That You Might Be Living Beyond Your Budget

Many people today are living beyond their budget. Unfortunately, they don’t know how to interpret the signs that their spending habits are unhealthy and end up living in debts. The pressure to meet certain lifestyle standards are contributing significantly to this trend. L

iving beyond your budget can leave you financially and economically vulnerable in times of emergencies, and this is not a position in which you want to find yourself. Here is a comprehensive checklist of the warning signs that you are living beyond your budget and practical solutions to this challenge. Continue reading

Three Tips For Budgeting When You’re Unexpectedly Between Jobs

Getting laid off is a devastating life event for anyone to have to bear. It is troubling for a variety of reasons, not the least of which is the fact that you still have to figure out how you are going to survive monetarily. 

A large number of people live paycheck to paycheck. It is not a great way to live, but it is the reality of the lives of plenty of people. Given this, there are a few things worth taking a look at in terms of dealing with this situation. 
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