5 Ways for Making Use of Your 2008 Stimulus Check
The 2008 stimulus payment is intended to serve as a onetime tax rebate for tax-paying Americans. The idea of this rebate is to give Americans additional spending money to help boost a flagging economy, especially… ---> Continue Reading
How to Evaluate Current Spending Habits
The most unlikely thing to happen is to realize that you get head aches when you don’t get money to spend for those that you want and when you have money to spend but then… ---> Continue Reading
Avoid Spending Beyond Your Limits
If you really want to have a handle on your spending, you need to think of ways on how to stabilize your spending in order also to stabilize your finances as well. This can be… ---> Continue Reading
The Financial Rule of 72
You have learned that the law of compound interest has the ability to turn small debts into massive ones. That is one side of the coin, but there is another one. Compound interest has the… ---> Continue Reading
How to Determine Somebody’s Net Worth
Net worth is the difference between what you own and what you owe. According to Helen Huntley of the Financial Times it is “the single best measure to your financial well being”. It is quite… ---> Continue Reading
How Not to Lose Money
Losing money is just one of those things that is so aggravating. Whether it is five dollars or 100 dollars, we still feel the same sense of disappointment.
Step 1
Bring only enough money that you… ---> Continue Reading
Dealing with Financial Stress
Coping with financial stress does not mean fixing your financial problems only because financial stress creates stress along with it. Financial stress is the cause of depression, overeating, drinking etc. You should look into your… ---> Continue Reading
Tracking Every Penny Spent
Try comparing money to water. People can’t live without it and it easily goes through our fingers. It is an important part of life therefore it shouldn’t be taken for granted. Many people earn a… ---> Continue Reading
How to Prepare an Emergency Fund
Emergency fund is what you save to cover for life’s unexpected events.
An emergency cash fund is important as it can protect you from discomfort unexpected events such as illness, job loss and accidents may cause… ---> Continue Reading
How to Figure Out Where Someone Stands Financially
Calculating your own net worth gives a picture of how much money and assets someone has versus how much they owe. On the face of it many people look extremely prosperous as they drive expensive… ---> Continue Reading
How to Avoid Spending Money
Step 1
Identify items as your needs or wants. The basic thing that you should know is the difference between needs and wants. In order to avoid spending your money, you must always identify whether an… ---> Continue Reading
How to Assess your Finances
Step 1
Know your income. The first thing you should do in assessing your finances is to know your income and its sources. Identify and prepare a list of all your sources of income. Income is… ---> Continue Reading
Budgeting 101
Budgeting 101 is a six part article series that has been created to give readers the solid fundamentals of creating a budget.
1) Prepare before you budget - You want to make sure you do it… ---> Continue Reading
How to Keep track of your Money the Easy Way
You don’t need complex software or large complex books to keep track of your expenses. All you have to do is take 5 minutes out of everyday and write down your expenses. To… ---> Continue Reading
Creating a Personal Budget Summarized
1. Explore your feelings toward money. Be honest and realistic.
2. If you have a partner make sure both of you agree on how to do the budget.
3. Make a list of all your expenses. Variable items such as… ---> Continue Reading
Save Money by Budgeting
One of the best ways to save money is to know how much you are spending and what you are spending your money for. The best way to do this is to create a budget… ---> Continue Reading
Types of Budgets
If you research budgets you’ll find there are many styles, types and philosophies. They range from very simple to extremely complicated. You can do your own budget or pay someone else to do one for… ---> Continue Reading
Formatting a Budget
Monthly Income
*Spouse’s Take Home Pay
*Other Types of Wages
(Bonus, Commission,
Overtime, Tips, etc)
*Alimony
*Child Support
*Pension
(Home, Auto, Life, Health,
Disability, etc)
*Social Security
(Gas, Maintenance, Tolls,
Parking, etc)
*Interest
*Investments
*Rental Income
(Deductibles, Co-Pays, Items
not Covered by Insurance)
*Part-Time/Seasonal
(Maintenance, Up Keep)
*Military/Reserves
*Trust Income (Churches, Charities, etc)
*Royalties
(Dining, Movies, Vacation, etc)
*Accounts Receivable
*Other/Misc… ---> Continue Reading
Managing Your Debt
Sometimes at the convenient store I watch people purchase lottery tickets. I listen to their comments about what they would do if they won. Even though they know the odds are not in their favor… ---> Continue Reading
Budgeting Resources
The internet has a wealth of resources to help with budgeting. There are sites which help you prepare your budget and sites where you can read about the personal experiences of others. These are seven… ---> Continue Reading
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