There are times when you may want to negotiate with your credit card company. Perhaps you’ve been shopping for the best rates and discovered that your company is on the high end of the spectrum. Or maybe you’ve fallen behind on your payments and need all the help you can get to lower your debt. […]
Although it’s wise to pay off all your credit card debt, it’s also practical to have one or two good credit cards. When you travel or want to order something online, it makes good sense to have a credit card. Plus, using your card responsibly will positively contribute to your credit score. But which card […]
Most of the financial gurus seem to be 100% against credit cards. However, there are a few times when taking advantage of those credit card offers you receive in the mail makes sense. Credit cards can be a useful way to rebuild your credit or to establish new credit. Many credit card companies include benefits […]
If your spending habits have you digging for pennies before the next payday, maybe it’s time for a change. Unfortunately, running out of money before payday, especially if you do it over and over, causes a lot of undue stress that can negatively affect your health as well as your pocketbook. However, you can reduce […]
We’re doing much better about staying on budget within our households. Personal debt levels are at the lowest point over the last seven years. However, that doesn’t mean that even the most financially responsible family doesn’t have financial challenges at times. Unfortunately, once your household budget has been blown, it gets easier and easier for […]
If you knew of a tool that could bring your mind, family, and finances into harmony, dramatically reduce stress, and make the challenges of life much more manageable, would you take advantage of this tool? Such a tool does exist. A budget allows you to take control of your finances, instead of your finances controlling […]
Did you know that you can create a budget with Google Drive that will make it easier to keep track of expenses and save money? Google Drive is an online document management service for those who have Gmail accounts. You can even share documents with friends and work on projects together. Creating an online budget […]
If you have a household budget, you’re doing better than most! No matter how thorough we attempt to be when constructing a budget, there are usually a few things that escape our minds. It’s the little surprises that can ruin well-laid plans. This is especially true with personal financial matters. Remember to consider these areas […]
Finances have a knack for becoming complicated. Therefore, making your budget as simple as possible will allow you to get a better handle on your finances so that you can focus on matters that are more important. Simplifying your budget can have positive effects on all aspects of your finances by helping you keep everything […]
Financing a home is a decision that will most likely affect your budget over the next thirty years. Many homeowners focus on finding the right property or comparing different types of loans, but pay very little attention to which lender they borrow from. Choosing the right mortgage provider can help you save money and avoid […]