Photo by CafeCredit under CC 2.0
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
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
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
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
When you think about personal finance wisdom, you may envision suggestions that have been passed down from generation to generation. However, advice in its more nascent stages may actually guide you in a more appropriate manner. Continue reading
In a day and age that small business trends are always changing, we’re seeing small businesses hire fewer accountants, a position that was always a must for business owners to hire in the past. But why is this the case? Costs certainly do factor into it, but that isn’t the only reason there’s been a shift in hiring. Continue reading
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
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
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.
Continue reading
When you find yourself wandering in the desert of unemployment, even a sniff of interest from ANY source can send your heart into joyful palpitations. The only thing that kills self-confidence deader than rejection is being unable to land an interview in the first place.
The bad news is that working for some companies might be worse than no job at all. You need to develop the skill of noticing the invisible red flags waving proudly throughout the “vetting” process. Whether it’s in the text of a job ad or in the midst of an interview, here’s how to save yourself a boatload of woe. Continue reading
