Renovating your kitchen cabinets In a perfect world, we’d all have enormous bank accounts with endless funds for home renovations. Unfortunately, most of us are struggling enough to make ends meet without worrying about putting the money we’d like to into our homes. However, improving the appearance of your kitchen cabinets doesn’t have to be
A mountain of fast cash online is sure to improve your net worth, but most of us do not stumble upon piles of dollar bills. Accumulating wealth is hard work, and many people don’t know where to start when it comes to savings. Do you really know what it takes to increase your net worth?
Can’t stay lucky forever Most college students get financial help from their parents. It’s perfectly normal and widely accepted, but it can give people a false sense of security and a skewed vision of financial responsibility. If you’re one of those people who is lucky enough to get help from your parents, be grateful and
Your credit score is affected by many factors, including missed bill payments. In fact, missed payments can hurt you more than other bad financial moves. To prevent late bill payments, plan how you will spend your money carefully by creating a personal budget. Protect your credit score Your credit score follows you wherever you go.
Budgeting can eliminate emergency money needs Everyone is in search of emergency money. No one wants to get caught with a sudden hospital, automobile or appliance bill and have no way to pay for the expense. In today’s precarious financial climate, it’s crucial for everyone to find a way to bulk up their emergency funds.
Don’t get caught off guard Everyone has some variable expenses in their budgets, and if you are not careful, an unexpectedly large electricity or gas bill can really break your budget. Payday loans can help in this situation, but the secret to staying on top of your budget is to reduce your variable expenses wherever
Bills, Bills, Bills You see them every day, and you hate to open them. What more exciting news could they possibly bring than reminding you of your obligation? Don’t they realize there is a recession going on? Do they think you have extra cash lying around? Rather than looking at them like the 800-pound ogre
The economic crisis affects most of us every day as we tighten our belts and keep our wallets in check. But like a dieter craving sweets, temptation is always there to consume beyond our means. Thankfully, there are simple things you can do when the cravings get to be too much. Think ahead Thinking long
The payroll tax holiday is giving everyone with a paycheck a 2 percent raise for the next two years. Personal finance advisers suggest using that extra money to pay down debt, but the government hopes you will spend it to stimulate the economy. If you’re like most people, you will spend it, so spend it
Loving relationships are built on a foundation of trust. For couples to live happily ever after, they must be able to trust one another with sensitive information, including knowledge of personal finances. If a couple isn’t on the same page – if they’re fighting about money – dark times lie ahead. Jill Gianola, a registered
Getting Started with Budgeting Budgeting is a lot like dieting – almost everyone has tried to do it before, but most people fail to stick with their plans in the long term. Why is this, and do these trends mean that you’ll never be able to stick to a budget yourself? Why Budgets Fail The
Installment loans help people get on budget Installment loans are short-term loans that have proved convenient to a wide variety of qualified customers. The great thing about these types of loans is that they can provide a temporary plug in an overextended budget. They are easy to request, and if you qualify, the money is
Living within your means can be very romantic Dating on a budget takes creativity, but it can be meaningful and fun. Just because you need a loan till payday or a little cash advance, doesn’t mean that your love life has to suffer. You can still enjoy romantic, unforgettable dates when you are tight on
Fined $1,000 for a $37 Crime? Could a personal loan have helped De Livera Shanela Ruwanthi, 21, of Sri Lanka? She was caught stealing $37 worth of food and was charged a fine of $1,000, with an additional fine of $5,000 for bribery. She tried stealing a carton of ice cream, cookies, pasta and fish
Is it Possible to Eat Well on a Budget? For many people, going grocery shopping can be a bit of a chore and it becomes an even more unpleasant experience when pay day is far off. You want to get as much as you can for the least amount of money, especially if you are
What are metrics and why use them? A metric, in this sense, is simply a standard of measurement or a means of measuring your progress toward achieving your financial goals. Anyone can come up with general financial goals and can create budgets to help them achieve these goals; however, there has to be a way
A Little Goes a Long Way This past week has presented me a series of minute irritants, including but not limited to an almost constantly empty gas tank, constant rain, a 30-article deadline and making a 30-minute trip to interview someone for an article only to find out that my contact cancelled and informed nobody.