Money

How to manage your money, personal finance, and create your own budget through education, tools, and expert advice.

  • Five Ways to Cut Spending That You Won’t Notice

    Every family and every individual know the importance of cutting spending in today’s economy. However, many of these individuals do not realize that cutting spending in little ways can also help in this endeavor. If you cut spending in many little areas, they will add up to significant amounts and the effect on your daily life can be minimal. The rewards, however, can be maximum.   1. Carpooling As simple as this sounds, carpooling can save you tons of money, time, and even wear and tear on your car. You may not realize the major impact multiple short trips have on your vehicle. By taking short distance trips frequently, you…

  • Three Important Ways To Reduce Debt

    There are a lot of things you can do to reduce your debt. But what are the most important things you can do? If you could only focus your energy on three things, what three things should you focus on? The are the Three Important Ways To Reduce Debt that I think you can take immediately that’ll have a dramatic debt-slashing effect on your personal balance sheet.   Recruit the Support of Friends and Family Trying to fight debt all on your own is incredibly difficult. It’s especially difficult if you feel like it’s something you need to hide. Getting out of debt isn’t a process that happens in weeks.…

  • Easy Budgets for Lazy People

    Budget Ideas for Lazy People A budget is a necessary evil, even for lazy people. If you are one of those individuals that would rather pay a late fee or use a credit card to buy gas and incur the extra dollar amount, there is good news. Lazy people can really have and stick to a budget and it does not have to be painful at all.   Keep It Simple If you consider yourself lazy, perhaps that is part of the problem when it comes to budgeting. Changing your perception of money and how you should or should not budget your finances may make all the difference between incurring…

  • Time to consider Debt relief

    Three Signs That It Might Be Time to Consider Debt Relief

    When is it time to stop trying to pay off your debts all on your own and instead, seek professional help? There’s so much stigma around seeking help with your debt that it can be hard to know when that time has come. Here are three signs that it might be time to look for outside help with your debt situation.   You Can’t Make Even the Minimum Payments Once you get to the point where your debt has built up so much that you can’t even pay off the minimum amount on each of your debt accounts, then it’s seriously time to look into your debt relief options. A…

  • Should You Keep Unused Credit Cards Active?

    We have all succumbed to the lure of owning a credit card or two. The importance of having good credit is everywhere in today’s media. I’m even considering getting a new credit card, though I do not need one and it might lead me into temptation! So, today, we tackle the question; Should You Keep Unused Credit Cards Active? While it is an excellent idea to establish good credit early on in life, as well as a necessary evil, it is equally important to know when too much is enough.   The Cons of Keeping Credit Cards Active If, like most of us, you have a wallet full of credit cards…

  • Tricks Retailers Use to Make You Overspend

    Let’s face it; retailers are in the business of making money. Whether it is through marking up their merchandise or getting you into the store to spend, retailers have one goal in mind and that is the bottom line. If you do not spend, they do not stay in business. There has to be a profit. Unfortunately, it is easy for the consumer at times to fall prey to tricks of the trade retailers use to make you overspend.   The “Spend More Get More” Incentive One of the biggest tricks retailers use to get you to overspend is by enticing you to spend a set and specific dollar amount.…