Government Assistance – Where Do I Start?
It’s not easy surviving financially in today’s tough economy. But, there are ways to make it easier. If you’re having an exceptionally tough time, you may be qualified for government assistance. There are a lot of programs available and you might be surprised to find out how much help you can get.Volume 1 of Your Money Answers – Taxes, Separate Checking Account, and She Makes More Than Me
Finance is a tool that should benefit you. When the tool is used, it does wonderful things for your life. If you allow it to master you, it will bring pain, frustration, and disappointment. Mastering the tool of finances will bring you into the abundant life that God has prepared for you. Here are some questions from readers. Have a good daySo Much To Do, And No Time To Deal With Money
When it comes to getting finances in order one of the most common complaints I hear is, “I just don’t have the time to deal with it, so I’ll just put it on the back burner for now.” People wait for the perfect day when they will have free time on their calendar and extra internal motivation to sit down and really get a clear sense of their financial situation. Some of the money challenges that people feel burdened by are things like.Reallocate Your Finances – Reallocate Your Life
Many of us are unable to get a second job, borrow money or sell things to raise extra cash but what we can do is learn to reallocate what we already have to get the most out of life. Let me suggest several areas of our lives that could do with an overhaul.Companies Behind Misleading IVA Mailings Closed
For years, a number of companies have written to people who have entered into an IVA (Individual Voluntary Arrangement) suggesting that they have been the victim of IVA mis-selling. The letters have been sent without any regard to the actual circumstances of the individual. The OFT have now acted by revoking the consumer credit licences of four of these companies.Does It Pay to Have a Savings Account?
Many people have a savings account. Some people say that it makes it easier to save money and some people say that it makes no difference at all. There are many reasons why a person might want or need a savings account.Personal Finances: Creating a Budget – Part 2
In the first part of this article we discussed how to begin creating a basic budget for your personal finances. In this 2nd part we will continue with more practical personal finance tips.How To Fatten Your Retirement “Golden Goose” With A Millionaire Business
Are you one of those baby boomers who is convinced that $1,000,000 would give you a “cushy” retirement filled with leisure, travel and comfort? According to research from the Spectrem Group, only 7% of U.S. households ever manage to reach that lofty goal, so chances are you are facing a retirement with less. Here’s food for thought: why not create a millionaire business to provide additional income to fatten your retirement nest egg? Here are two reasons you should consider doing just that.Credit Rating Facts: Knowing Your Credit Rating Is An Important Part Of Life
A credit file is in essence a profile of the credit history on every person using any type of credit. This is whether the credit is coming in the form of a loan from a bank, a credit card, a store card, or something bought on installments. A record of any type of credit regardless of the amount, starting from something as big as the mortgage on a house to something as nominal as acquiring a mobile phone on installments, is maintained on every person. The report details the whole credit history of a person during the previous seven years. Besides for personal information, any overdue amounts and bankruptcy details are noted in the history report.3 Money Management Tips for Grads
It’s never too early to start squeezing the most out of your money, and as a grad, you’re in a unique position because you basically have a clean slate and lots of years to reap the benefits. So don’t miss this opportunity to get started squeezing your money right away. To help, I have developed a series of tips you can use to get started and confidently take over the job as the boss of your money.Want More Money? Increase Personal Purchasing Power
The best way to get more money is to get smarter about how you spend. Increase your purchasing power, how far your money will take you, in the simplest way possible.How Does a Certificate of Deposit Work?
Certificates of deposit (CDs) are a type of savings program, offered by banks, which can pay substantially more than traditional savings accounts. When you purchase a certificate of deposit, you are, in a sense, loaning that money to the bank by agreeing to save a certain amount of money for a set amount of time. The amount you deposit and the length of time you leave it in the bank lets you earn a higher rate of return, and a CD offers the added security that comes with having your deposit FDIC-insured.Tip: Read Labels, Save Money
Tips and tricks on how smart consumers can save big money on groceries by reading labels and using per-unit pricing to compare products and find the best value. Find out when to save and when to splurge on your household essentials!Why You Need More Than 1 Income Source For Your Personal Finances
Today’s economy gives us plenty of reasons to have more than one source of income. The reality is that we are always is some form of economic turmoil so for our personal finances to not suffer we must always have Plan B and Plan C in action. If one of your incomes is lost then you have others that will replace it. Being ahead of the game means little or no lost income.Finding Money You Never Knew You Had To Improve Your Personal Finances
For most people getting out of debt is little more than a pipe dream. Creating a personal finance plan that includes a savings plan and a retirement plan are a venture that few are prepared to tackle. We all too often tell ourselves that we lack the funds necessary to achieve even a small part of what we want. We will look at the 4 steps necessary to achieve our financial dreams.