Tag Archives: expenses

Smart Money Moves for the End of the Year

It is nearing the end of another year, but don’t let the holiday season whisk you away from your fiscal responsibilities. These are some of the smart money moves you can make before the year closes off to ensure you’ll … Continue reading

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Budgets and Motivation… What You Should Know

Budgeting is the first step in debt reduction but motivation must be constant. If you ever wanted to get ahead financially; if you ever thought you wanted to get out from under a sea of debt; if you ever wondered … Continue reading

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How to Avoid Holiday Debt

—Use the 1.5 percent rule. Don’t spend more than 1.5 percent of your total gross income on holiday-related expenses. If you’re in debt, consider spending less than 1 percent.

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If You Can’t Make Your Payments, Get Ready for a Budget Intervention

• When you shop, do you have to buy something, even if you don’t find what you’re looking for? Can you leave the store empty handed? • Do you come home with tons of new stuff when you only intended … Continue reading

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Halloween on a Budget

Halloween ranks third as one of the most expensive holidays throughout the year, with Christmas and St. Valentine’s Day taking first and second. Many of us have never given it much thought, but when you look at everything from costumes, … Continue reading

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Losing Sleep Over Debt

Many Americans are facing tough financial challenges for a variety of reasons, ranging from the obvious—over spending—to serious, unforeseen circumstances like loss of employment, medical emergencies, natural disasters, lawsuits, divorce, and death. If you’re battling with credit card debt or … Continue reading

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Buying a House – How Much House Can You Afford?

Housing is typically a family’s largest budget item. Furthermore, it often causes the credit problems because many people rent or buy houses they cannot afford. If you’re on the market for your next home, or first home, the burning question … Continue reading

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Budgeting: 10 reasons It’s Good For You

If you’ve never been on a budget in your life, it’s time to start. Everyone can benefit from more structure regarding their finances, especially if there isn’t very much money left after you’ve paid your bills. Here are some great … Continue reading

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Mortgage Refinance Scams

Although it can be complicated for some of us, refinancing your home mortgage has the potential to save you a lot of money, especially if your existing interest rate is higher than what banks and other mortgage lenders are currently … Continue reading

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Budgeting 101

Many Americans are caught in the cycle of overspending, using credit cards, and, simply put, living paycheck to paycheck without saving any money to secure their future. Reasons for it vary from the “I want it now” culture that we’ve … Continue reading

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