How To Become A Conscious Spender
The average savings rate for Americans has gone up since the beginning of the last recession we had. However, many Americans continue to struggle with their spending. The average household has over $15,000 in credit card debt. But fewer than 4 in every ten Americans have an emergency fund to fall back on. This proved disastrous as the recession of 2009 loomed and many Americans found themselves filing for bankruptcy and falling back on their mortgages after losing their jobs. As America’s economy gets out of the recession, many people need to learn how to better control their spending to become more conscious spenders. This article gives you three helpful tips so that you can become a more responsible spender.For Many Borrowers, Landing a Killer Refinance Rate Is Only an Illusion
With the federally regulated Prime Rate still at all time lows, banks continue to push tales of historically low mortgages rates on borrowers. Most of these promises are just fantasies if you don’t have an A+ credit score.Do You Have a Personal Financial Plan?
In today’s economy it is more important than ever to have a personal financial plan and manage your money. Having a financial plan that fits your financial life style can help you obtain the direction you want and help you manage your finances and achieve your financial goals in life. With America’s national debt growing out of control it is time to take a look at what we can do as Americans to change the way we live financially. Do you currently have a personal financial plan or are you in debt?How to Become a Financial Independent
Have you been having trouble managing your money and have come to depend all the time on others to save you? Have you been criticized for not being able to stand on your own feet? Read further if you want to change all that and become a financial independent.How Your Age Influences Your Online Banking Behavior
According to a report from anti-virus company McAfee, age plays an important role in how consumers do their online banking transactions. According to McAfee, there are three age groups with different set of behaviors in dealing with online banking. Competent but Careless.Ways To Manage Your Finances This 2011
Techniques in managing your money should not be the same all the time. You do not necessarily have to follow the same rules because there will be changes you need to make along the way. It is for this reason that you have to keep watch of how you’re going when it comes to your finances. Constant monitoring is important if you want to handle you money well and be able to save even little by little moving forward.How to Save Money on Gas – Know Your Vehicle and Save Money
Like everything else in life the price of gas is going up and it doesn’t look like it will be dropping anytime soon. As cars are a necessity for many people we would all like to know how to save money on gas. Most of us do what we can to use less of the stuff, but most people are unaware of the many simple ways there are to conserve fuel. In general these methods do not require much time and are cheap if not free to implement.How to Save Money Quickly – Easy Tips to Follow
The following tips will get you on the right path to spending less. Everybody wants to get things done instantly these days. It’s the instant gratification culture we live in. But you have to remember to gather a meaningful amount of cash it’s going to take time.How to Save Money on Bills – 5 Areas You Need to Look At
Even though a lot of cash seems to go up in smoke through energy bills you can still learn how to save money on utilities. As always, anywhere you spend money you can save.Working Until You Drop In America – Is That The Best Way To Live?
In this age of smart cell phones, Internet on the go and employers eager to wring out the last drop of productivity from every employee, it has become increasingly challenging, to say the least, to escape work and working. Even when you are off work, you are still tethered to work via email and cellphone. Unemployment is currently hovering near 9.6 percent in the United States, and economic indicators show the number of people looking for work will remain high for the foreseeable future.The 15 Financial Benefits of Rent to Own
If you are new to the Rent to Own phenomenon that has been increasing in popularity over the last few years, no worries, you haven’t missed the boat. There are so many benefits of rent to own that I had to split them into two different articles. This one will outline the financial benefits and my next one will outline the personal benefits.New Unclaimed Money Searches Available
The quantity of unclaimed property in America is vast. Unclaimed property is scattered in the country in different forms. Un-cashed overtime checks, insurance refunds and forgotten apartment security deposits are among some of the most common types3 Tips For Teaching Your Child To Save Money
Saving money is said to be the most important step, when someone is planning to execute a financial procedure. It is not only necessary for adults to save money and chalk out future investment plans but also it is equally important for children to plan their savings. Money saved by children can help in funding emergency requirements or can also be a good support for meeting the expenses of college education.Home Affordable Modification Program Not an Option for Many Homeowners
All over the country, homeowners in mass are reporting the same story almost verbatim: I bought big, I had a great credit score, and then the market tanked and no one would talk to me on equals terms. As the HAMP program ages, it is becoming more apparent that banks are willing to test its limits and ignore calls by policymakers to conform or reform to HAMP rules. However, it may be that HAMPs efforts are both too rigid or simply too little, too late.For Your Financial Success, Use A Certified Financial Advisor
Meeting with a certified financial advisor (CFP) is one of the best ways to get a clear outlook of your financial situation and to appropriately plan for your financial future. Certified Financial Advisors are different from other financial advisors….