How to Improve Your Personal Finance Starting Now

Sure you can pay attention on penny stocks to watch when it comes to investing, but before you go down that road, it’s a good idea to take a look at your overall personal finance to ensure you’re on the right track.  Although it may be decades before you retire, it’s never too early to start preparing, so the better money moves you can make now, will set you up for success in the present and future, the more you can free up extra money.

Check Your Credit Report

With the amount of fraud there is these days you never …

Continue reading...

5 Ways to Enjoy Your Spring Break

Spring Break is just around the corner, and for some restless college students, it can’t come fast enough.  Having lived through tough exams, late night cramming sessions and last-minute revisions on papers and thesis, students are eager for a break from studying and from the cold of winter.  For many, heading to the tropical climes or straight to the closest beach is all they can think about.  And while they may have fantasies about fruity cocktails with little umbrellas, string bikinis and partying into the wee hours, the reality is that you have to pay to play.   For too many …

Continue reading...

Ways to Save Money Starting Now

Before you go getting into a cpxx, it might be time to take a look at your whole financial picture in order to look at every dollar coming in and out, and then finding ways you can cut expenses in order to put your hard-earned dollars to good use, from building an emergency fund, increasing retirement contributions, and even saving for a much needed vacation.  There are plenty of ways you can save money, but some might take some sacrifices, but will be well worth it in the long run.

Get Rid of the Gym Membership

When the end …

Continue reading...

Money Mistakes You Could be Making

While sure, insurance can help you, but it doesn’t help any potential money mistakes that you could be making.  There may not be a cut and dry answer to what is right and wrong, as everyone makes different amounts of money and have different financial goals, but across the board, if you can build up an emergency fund of a few months’ worth of expenses to give yourself a cushion, getting out of debt, while saving for the future you have a good start, but look to avoid a few behaviors that could set you back.

Trying to Keep

Continue reading...

A Few Ways to Save Money on Purchases

While sure, you can start doing an opinion outpost or few to start making some extra money, but a good place to start is reducing the expenses that you already have.  From getting rid of your cable bill, to avoiding going out to eat, to even just cutting out impulse purchases that you don’t need, you can free up extra money that you can put towards better use, such as paying down debt, building up an emergency fund, or better yet, saving for retirement.  I understand there are certain purchases that we do need to make, and that’s where we …

Continue reading...

3 Tips To Improve Your Money Management Skills

If you’re not adequately handling your finances, you may be stressed out and struggling to keep up with your bills. Although your problem may be due to the fact that you’re not earning as much as you need, some of it may be due to poor personal money management skills.

There are some basic personal finance management techniques that you can quickly learn to begin to feel confident about your ability to manage your finances. Let’s take a look at how to get money for a financial emergency, how to create a budget, and how to build awareness around money.…

Continue reading...

Use a Credit Card the Right Way and Avoid Making Mistakes

Believe it or not there actually are right ways to use a credit card that can actually be financially smart but it’s the mistakes that will get you in trouble.  With the amount of fraud these days, it’s risky to even use a debit card, with your bank account potentially being wiped out if anyone was able to grab your information, until you sort everything out.  Making credit card mistakes are common, so try and avoid these so you can continue down the right financial path.

Not Taking Advantage of Rewards

By making the purchases that you would be making …

Continue reading...

Making a Study

If you’ve got a spare room in your house, you’re enjoying a luxury few have! Rather than waste it by simply filling it with dusty boxes you never got around to unpacking, you can clear the room out and make it serve a more productive purpose that will make it an asset to the house.

Today we’re looking at the steps you need to follow create a study you can really work in, whether you run a business from home, or simply want somewhere you can work on your life admin in comfort.

The Blank Canvas

The first thing …

Continue reading...

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 …

Continue reading...

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 …

Continue reading...