Personal Finance Information

Money Saving Tips. Maximize Savings on Everyday Items!


Frugal living is more than a lifestyle. It's a passion. Call Me Crazy! I love It!

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.

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. And, like most neglected ?pets?, your piggy bank will disappear if you don?t feed it. A personal budget is important to create financial independence and setting goals for feeding that ?piggy bank? should be an important part of your budget!

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?...Somehow you?ve ended up lost in the ?plastic zone?. ' The "plastic zone" is a scary place. But you?re not alone. There are millions of people today living the same mysterious life in the plastic zone. Remember green money? You know, that green paper with presidents proudly displayed on them. They have virtually disappeared from the ?plastic zone.? Is real Money a foreign object to you? Is the balance of your checking account mysteriously stuck at Zero? It?s time to solve the mystery.

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. My son wasn?t much of a challenge. Thank goodness, he?s not ?fashion conscious?.

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. (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.)

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.

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.

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. Anything from an old shoebox to a toolbox would do you for this method of personal financial tracking but you can do better than that.

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).

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. Rockefeller--that as a child he was given a monthly allowance from his parents, but upon stipulation that he had to save 10% of it, give away 10% to charity, and account for the rest of it. While his parents required that he record down to the penny where he spent it--you can be a bit more lenient on yourself!

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. The staggering truth is that of these only 5% are genuinely financially free! You may well see lots of expensive cars driving on our roads and big houses inhabited by the seemingly wealthy, but these houses and cars are not yet paid for.

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Forbes

A Crash Course In Personal Finance For Broke Millennials
Forbes
Only 17 states require students to take at least one personal finance course in high school, according to a 2016 survey by the Council for Economic Education. The effects are long-reaching: A 2013 study found that only a third of adults over 50 could ...



New York Times

The Technology Our Personal Finance Columnist Trusts His Money With
New York Times
Ron Lieber, The Times's Your Money columnist, discussed the tech he's using. You've been writing financial advice in Your Money for many years. What's your most important tech tool for getting work done? Personal finance is indeed deeply personal, and ...



Personal Finance 101 for college kids
Chicago Tribune
As millions of parents send their kids off to college, it is critical that they counsel their scholars about safety, hygiene and, of course, study habits. But another important bit of parting wisdom is that these young adults are responsible for their ...



Chattanooga Times Free Press

Personal Finance: Blockchain a test for using Bitcoin
Chattanooga Times Free Press
By now, most of us have at least heard of Bitcoin, but what is it exactly, and will it deliver on its promise to radically alter our lives by eliminating money issued by legitimate governments? On the second question: no. National governments are ...

and more »


WSJ Wealth Adviser Briefing: Inherited IRAs, Personal Finance Questions (Podcast)
Wall Street Journal (subscription) (blog)
Pat Simasko, an adviser and partner at Simasko Law in Mount Clemens, Mich., encounters a lot of missteps surrounding the proper transfer of inherited individual retirement accounts. In the latest Adviser Voices, Mr. Simasko shares two of the most ...



Business Insider

Personal finance expert Ric Edelman explains how retirement will ...
Business Insider
The notion of retirement is gone. It didn't exist in the 19th century and it's not going to exist in the 21st century.

and more »


PYMNTS.com

Honeyfi: Love — And Better Budgeting — Can Keep Millennials Together
PYMNTS.com
As for distribution, at the moment, Honeyfi is pursuing a direct-to-consumer channel: download the app from the App Store, and personal finance bloggers, social media and other influencers will get the word out. They are also exploring relationships ...

and more »


Dallas News

Practical advice on how to avoid becoming a financial enabler
Dallas News
If you want someone to stop asking you for money, the worst thing you can do is say no and then give in after persistent pleading. Liz Weston (NerdWallet via AP, File). Such "intermittent reinforcement" — granting a reward after an unpredictable ...

and more »


USA TODAY

How to stop being the family ATM and learn to say 'no'
USA TODAY
If you want someone to stop asking you for money, the worst thing you can do is say no and then give in after persistent pleading. Such "intermittent reinforcement" — granting a reward after an unpredictable number of requests — makes it more likely ...



USA TODAY

How do student loans appear on your credit report? - USA Today
USA TODAY
There are lots of questions about the best way to fund education and how student loans affect the credit ratings of newly-minted professionals.

and more »

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