You plan what you will make for dinner and you plan your vacation. You may have spent months planning for your wedding or a fancy party. Proper planning results in success. The same is true when it comes to your finances. Prepare for taxes. If you dread doing taxes, take away your fear with a [...]
If you were going to build a house, you would need a house plan. This plan would tell you the size of the house, and how big each room would be. It would tell you where the windows would go and how high to make the ceilings. You would see where to put in the [...]
Budgeting doesn’t have to be rocket science. The basic principle of making a budget is to record how much money you have coming in for the month. From that you subtract expenses for the month. First subtract necessary expenses (rent, mortgage, car payments, insurance, food, etc). Once you subtract the necessary expenses, the remaining amount can [...]
Are you are floating on credit or sinking in debt, and tired of living from pay check to pay check? You’re not alone, and you’re also not powerless over your situation. You can do something to change your financial future and make debt-free living the foundation of your financial state of affairs. Take a proactive approach and [...]
An income tax refund can never come at a bad time. If you are one of the luck ones receiving money back from the IRS this year, you should spend your tax refund on something that will benefit you in the long run. I would imagine many Americans wished they had an emergency fund set aside for [...]
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Without goals, you have nothing to work for. The same applies for making and maintaining a proper budget. You have to t set yourself up with guidelines and goals, this is the only way you’ll know if you’re moving in the right direction or not. Having clearly defined financial goals is instrumental in determining whether [...]
Times are tough: falling home values, rising unemployment, waning confidence among both consumers and businesses. You may be one of the millions of Americans who are spending less. On the up side, since the Federal Reserve keeps slashing interest rates in hopes of jump-starting the economy, there are steps you can take to boost your [...]
It used to be the idea of financial planning was a small emergency fund in a mason jar stashed in the furthermost corner of the closet. Things have really changed. It doesn’t seem like that long ago but, our world is growing in leaps and bounds. I guess the smart thing to do is grow [...]
Downsizing, forced retirement, layoffs, firings, outsourcing, etc., are on the rise. Losing your job could put a big dent in your financial goals and even set you back several years. You may need to live on your savings or liquidate some of your investments. If you have no savings or investments you may have to rely [...]
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Have you been thinking about what you’d like to change for the New Year? Most New Year’s resolutions involve improving health or getting rid of a bad habit. Don’t forget about improving your financial health and your bad credit habits in the new year. As you resolve to make some changes this year, add one [...]
