Personal Finance Information

Personal Finance Information

Money Saving Tips. Maximize Savings on Everyday Items!


Frugal living is more than a lifestyle. It's a passion.

Top 10+ Ways to Jumpstart your New Year's Finances!


Of course, these don't have to be done in any particular order! Just pick one or two that particularly apply to your situation. * Create your 2005 filing system.

Budgeting your Savings - Did You Let Your Piggy Bank Get Away?


I think most of us have at some point in our lives. Some how we forget to feed the little piggy.

Budget Planning - Its Elementary My Dear Watson


Does it feel like you have to be Sherlock Holmes to solve the mystery behind balancing your personal budget? Are you living a mysterious thriller where your realization of "financial independence and security" is a vicious repeating cycle of debt? Don't be afraid?..

Save Money on your Clothing Budget. Tame the Closet Monster!


Reducing the clothing budget was a serious challenge for me. Two pre-teen girls and a teenage girl certainly didn't make life any easier.

More Money? My Cup Runneth Over...But Im Still Thirsty


Most of us, especially those of us who have debtor's disease (if you have it you know what it is!), have commented or at least thought, "If I could just win the lottery, or sweepstakes, everything would be better." Unfortunately, even if that big dream did come true things probably would get worse instead of better.

How to Draw a Personal Budget that Works


Many people spend their little income haphazardly without any planning and end up getting broke before month-end. They then borrow to make ends meet and end up with more problems that they fail to repay their debts promptly.

5 Ways to Absolutely Destroy Your Finances!


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.

A Fresh Start for Family Finances in 2005


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.

Money Matters: Strengthen Your Marriage by Putting Finances in Order


Did you know that 43% of all married couples argue over money issues, making it the major reason couples fight? If you and your spouse handle money differently, now is the time to talk, establish expectations, and draw up a financial plan.Money is a very big part of a marriage.

Organizing Your Finances - Thinking Outside the (Shoe) Box


If you're like most people, your personal financial records are most probably kept in less than "Good Accounting Practices" standards. For example, stashing old ATM receipts and hanging on to a stub showing what you paid for a pack of mints two years ago (cash, of course), might be filed with your paycheck stubs, credit card statements - paid and unpaid alike - as well as a few tax forms, a stray paper clip and a penny.

Kundalini Lessons - Money


I've been going through and interesting growth period lately that I thought I'd share, as some of the lessons were pretty profound (at least for me).I've written before about my awakening and the joys and tribulations since, and I've also mentioned that it's an ongoing process which, as far as I can tell, doesn't really end til you shuffle off this mortal coil.

Know Thy Finances


The first step to financial success lies in knowing your financial situation at any given time. There is an anecdote attributed to John D.

The Wright Place - Finances


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.

Whats The Truth Behind Your Finances?


Between 15 - 20% of people in our country (UK) own there own businesses. This statistic is on the rise thanks to the incredible invention of the Internet.

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  • The Ideal "Don't Care" Life
    I believe one of the most underrated luxuries is to be able to say "I don't care" and really mean it. That means the primary benefit of having wealth should not be about the accumulation of things. That would create more stress on almost anyone. Instead, just the opposite should be true, i.e., wealth should free a person up from the stress of having to worry about so many things.
    Read more

  • Does Saving Now Make for a Better Financial Future?
    When you learn to be frugal and budget your money, goals will be much easier to reach. Being frugal allows you to put more money into a savings account. Frugal living tips will have you saving a great deal in a short period of time.
    Read more

  • How to Be Frugal Without Being Stingy
    Learning to be frugal can be fun. Frugal living does not mean you are stingy. A frugal lifestyle has many advantages. You won't have to work as much when you live frugally.
    Read more

  • The Problem With the College Bookstore
    To my college bookstore's credit, there are a lot of things it does really well. For starters, it smells fantastic. I have no idea what types of mystical perfumes are being used on their shelves, but if all books smelled this good I might have actually finished Pride and Prejudice.
    Read more

  • The Importance of Medical Insurance for Expats
    Every country has a different method of organising healthcare for its citizens, but what happens if you've moved abroad to retire? This is where medical insurance for expats becomes a vital purchase. If you've never considered medical insurance before... perhaps it's time to start.
    Read more

  • Sports Checks to Boost Your Favourite Sports Team
    Checks are a part and parcel of our everyday lives. Gone are the days where customers were content with plain and boring checks to deposit and withdraw money. These days many of the checks come with themed images, patterns and designs that customers can choose from. If you are a sports lover, then you can even purchase sports checks from online stores.
    Read more

  • What Is a Debt Settlement Program?
    More than likely, you've come across an advertisement for companies offering debt settlement programs. I'm sure you've heard the ads asking questions like "Do you have over $10,000 in debt?" or "Are you over your head in debt?
    Read more

  • It's All About Debt
    Most of our problems arise from overuse or mismanagement of credit and debt. Whether it's the national economy or your personal household budget sensible control and restraint is required.
    Read more

  • Its Time to Change the Way You Think About Money
    Stop and think about money. If you tend to overspend, you will find that a budget can help to control your spending. If you find it is stopping you from making forward progress, its time for you help yourself by sitting down and thinking about your attitude toward money.
    Read more

  • Guide to Health Insurance, Income Protection and Critical Illness Cover
    In the UK, there are three types of insurance that are commonly misunderstood by consumers: health insurance, income protection and critical illness cover. Here, we distinguish between them to help people choose a protection policy that is right for them.
    Read more

  • Why You Should Not Trust Financial Advisors
    A client recently requested my opinion of an annuity he was considering for purchase. I responded that I would happily review the product, and that I would simply need a copy of the annuity contract in order to complete a thorough analysis. Unfortunately, the client had an amazingly difficult time obtaining literature concerning the annuity he was essentially ready to purchase. Despite multiple requests, the financial advisor promoting the annuity failed to provide the client with written documentation covering the product he was so excited to talk about. The week-long exchange between myself, the annuity salesman, and the client turned out to be a startling illustration of what people should look for when evaluating the trustworthiness of a financial advisor.
    Read more

  • Three Common Myths About Cash ISAs
    In a financial climate where looking after every penny truly counts, 'ISA' has become more than just a buzzword. The Cash ISA (Individual Savings Account) effectively allows us to lock a sum of our money away from the taxman. Any funds secured in a Cash ISA are exempt from Capital Gains Tax and UK Income Tax. The maximum amount that can be deposited into these accounts for 2012/13 is ?5640 which is why so many consumers find this a tax efficient means of saving. With the increasing prominence of ISAs on the market, it is no surprise that there is often confusion but as with all financial products, it is important to disregard the hype and invest in the facts. This article will help to disperse three of the most common misconceptions regarding the infamous ISA.
    Read more

  • Planning For Your Retirement: How To Prepare For The Best Years Of Your Life
    Planning for your retirement is something that should happen when you're young. If you're able to implement these planning for retirement tips when you're still in your 20s, you'll be able to retire more easily.
    Read more

  • Are You Saving Enough to Live on When You Retire?
    There is no doubt the closer we all get to retirement the more our minds focus on what income we will have and where it's going to come from. And the strange thing is, just about everyone see retirement as something to look forward to. To have more holidays, spend more time with our families and just do stuff we never got round to when we were busy working.
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  • 7 Simple Steps to Help You Keep Your Nerve When the Markets Start to Give You the Jitters
    The stock markets can be volatile from time to time. Here are 7 tips to help you keep your nerve.
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