Expenses You Can Look to Reduce this Year

While you could look to an opinion outpost to give you all of the answers, the truth it it’s up to you to make your own financial decisions and in order to free up extra money each month so that you can build an emergency fund to give you a cushion in case of unexpected expenses, not to mention fund your retirement account so you are prepared when you do finally decide to walk away from work, you need to reduce monthly expenses right now.

Get Rid of Cable

This may be a tough one to swallow, but think about how much TV you actually watch, or better yet, how many channels you actually sit down for, not including flipping around for what is most likely “nothing on” anyways, or a string of commercials.  If you can spring for a streaming service for around $10 a month you can still watch quality shows, even getting an HD antenna so you can still get local channels, it’s probably closer to a reality that you can cut the cable cord and go ahead and save yourself at least a hundred dollars a month.

Reduce Going Out to Eat

This may be more difficult than getting rid of cable, is having someone serve, prepare, and clean up after you when you go out to eat.  The problem is that the costs add up pretty quickly and feeding yourself, let alone an entire family can just be a waste compared to what it would cost if you just went to the grocery store and prepared your meals at home.  Even stopping for coffee can add up over a course of a month so you can even time for your coffee to be brewed by the time you are ready to walk out the door for work in the morning.

Limit Impulse Purchases

Think of when you are at the grocery store without a list, walking up and down each aisle, loading any item into your cart that looks good, especially if you go on an empty stomach, everything looks great, and pretty soon you’re paying through the roof compared to what you had planned, and by the time you get home you wonder why you bought all of these items that now not only hurts your wallet, but also your waistline with all of the junk food purchases that you made.

Boost Your Credit Score

You may not think that credit score has a lot to do with monthly expenses, but think about the bills that are due each month when it comes to the mortgage, any outstanding loans, or interest that you’re paying on a credit card balance that you carry over each month.  By improving your credit score, you can take advantage of the best interest rates on the market and lower your monthly payments if you refinance, take out a new loan to pay off the existing, or get a better credit card and cut up the old one, especially if that new card has rewards that you can earn cashback.

How to Score the Best Deals on Gadget Insurance

So you have just splashed out on a brand new iPhone and want to insure it in case something happens, but don’t know where to start looking or what you should even be looking for? We can help. These days, many people look into insurance for their recently bought gadgets, what with ever increasing prices and so on. When spending so much money on a device that is really so delicate and easily breakable or lost, protecting it with insurance is really a no-brainer. We are here to help guide you through insurance plans and help you find the best …

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Be Frugal and Avoid Just Being Cheap

Living the frugal lifestyle is a great way to free up extra money each month.  After all, it’s important to build an emergency fund of a few months’ worth of expenses to give yourself a cushion if any large unexpected charges come in, a lowes build and grow, or being able to float yourself for a few months in case of a sudden job loss, not to mention save for retirement, which will come quickly and you don’t want to be unprepared.  There is a line to cross though from being frugal, to well, just being cheap.

Have Proper

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Focus on Raising Your Credit Score in 2018

There’s plenty of talk about a resolution to lose weight, but what about your finances?  How about your credit score?  Those seems to be targets that are more important than probably losing ten pounds for beach season.  Instead of spending your days asking what a aaa membership cost, how about taking a hard look at your credit score and look for ways to improve it, so you can take advantage of the best interest rates on the market when looking for a mortgage, loan, or a new credit card.

Review Your Credit Report

There is so much fraud these …

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Why You Should Use a Credit Card for Christmas Shopping

One can argue that you should use a credit card for all purchases you make in a given month, but if you are afraid to totally rely on a credit card I don’t blame you, after all, it takes discipline to keep the balance down enough so that you can pay it off entirely by the statement due date, otherwise interest starts to incur.  If you want to try out baby steps and just use for Christmas shopping only, then you can start to see why using credit cards actually make plenty of financial sense.

Better Fraud Protection

When you …

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Why HR is Good for Your Business

HR is unfortunately one of the most overlooked and maligned departments in the business world. It’s not hard to see why, when looked at from the top down: the head of HR can never report to a CEO about the revenue they’ve brought into the business this year. They’re focussed on regulations and compliance, so they might find themselves in the position of having tell managers ‘no’ to ambitious plans and instead recommending longer and apparently less efficient courses of action.

Writing them off, however, is a path towards failure and low morale. A business that makes full use of …

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Money Moves to Make Now to Improve Finances

As we wind down 2017 it can be a great time to reflect back on what we accomplish this year, and what we did not.  Like most of us who create a resolution probably stuck with it for a while, only to give up and go back to living normal life.  While most strive to lose weight, others can focus on getting finances in order.  There is still time to make good on your resolution and set yourself up for success in 2018.

Finalize Tax Write-Offs

Whether you are not sure if you are going to owe and want to …

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How To Find More Time In The Day As A Business Owner

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When you are looking to get a hold of your financial life as a business owner and fics your finances, it starts with find more time throughout the day. That is when you figure out ways to earn extra money, stop money-wasting habits and begin to tend to your financial garden. And it starts with being able to take back time from wasteful activities and give it back to your growing business.

Anyone who runs a business knows how much it can take over your life. So to be a successful business owner and to not burn out, you need …

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How Credit Card Debt Can Quickly Spin Out of Control

In this cashless society, relying pretty much on credit and debit cards, especially with the ease of purchases between online shopping and swiping in-store, as the purchases continue to pile up, so does the credit card debt.  When you carry a balance over to the next month is when things can start to add up, now that you are paying interest and the monthly payment will need to be large enough to cover interest and chip away at the balance, before credit card debt can spiral out of control.

Charging to Earn Rewards

Rewards is probably one of the best …

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How to Confidently Invest in Forex

Forex, short for foreign exchange market, had gained momentum in the past few years. Previously Forex was traded mainly by large companies or those with experience and understanding of the foreign exchange market.

What has stimulated this change? One answer is that average investors now have more information available to them than ever before. In addition, the internet has not only provided a wealth of knowledge but it has also made access nearly instantaneous.

Returns with Forex, although riskier than some other investments, can be high. But of course, not all Forex investors are as successful as others.

This …

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