One of the first and most important tasks most everybody should tackle as an adult is establishing and improving their credit score. That's because people with great credit enjoy lower loan rates that can result in serious monetary savings. After ...
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Understanding the Math Behind the Mortgage
Last month, interest rates reached the psychological 8% barrier for the first time in more than a decade, and there is speculation that they will continue to rise. But do homeowners know the math behind the mortgage? After all, buying a home is a big ...
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Condition Yourself to Hate Paying Interest
God, do I hate paying interest! To anyone. For anything.
I abhor paying interest, and I avoid it like the plague! You should too.
I think that most people who currently enjoy a life of financial freedom have this distaste of interest payments ...
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How to Reestablish Credit Quickly
Your credit score is one of the most influential factors when it comes to your ability to achieve approval for a loan or credit card. In addition, your credit score can impact employment and ability to obtain insurance, as well as your living ...
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10 Old Wives’ Tales Masquerading As Financial Rules of Thumb
It's been said that if the palm of your right hand itches, you'll soon be coming into money. On the other hand (seriously, no pun intended), it's also been said that if your left palm itches you'll soon be paying out money.
Don't laugh. There are ...
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One of the Biggest Money Mistakes a Household CEO Can Make
It's been said that failing to plan is planning to fail -- especially with respect to personal finances. And although you may be prepared, one of the biggest money mistakes any household CEO can make is to abandon their financial plan. Especially ...
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8 Smart Tips for Managing Your Personal Finances
If you manage your personal finances, it can often seem daunting. But following some smart strategies can help you take control of your money and set yourself up for financial success. Here are eight tips for effectively managing your personal ...
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How Debt Trouble Is Usually Related to Your Diet
Many folks in debt trouble who tally their assets and liabilities after years of modest but steady increases in income often end up scratching their heads, wondering why their net worth is nothing to write home about. Whether those in debt trouble ...
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5 Ways Smoking Negatively Affects Your Finances
It's not likely you'll be able to find anyone in the United States who has escaped the message that smoking is hazardous to your health. After all, there's a Surgeon General's warning on every pack. And children learn about the negative effects of ...
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The High Cost of Being Poor (and How to Vanquish It)
We have all seen difficult times, so that's nothing new. And there's a high cost of being poor. Let me explain:
My wife and I started our business at exactly the wrong time. Although we established it in 1967, we opened our first brick and mortar ...
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Financial Lifelines: Loan Types for Small Businesses and When to Get One
For all businesses, adequate money is vital in keeping operations afloat and obtaining many opportunities for upscaling and growth. Many businesses partner with banking institutions and lenders to fund their operations, especially startups and ...
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Why Tracking Your Expenses Is So Important
It's true; there are many folks out there who successfully manage their household finances without ever using a budget. Even so, most successful home money managers that don't have a budget still track their expenses and income. That's because trying ...
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Four Big Drawbacks to Store Credit Cards
The other day the Honeybee applied for a clothing-store credit card to take advantage of a deal that gave her a one-time savings of 15% off her purchase. I know.
To tell you the truth, I'm not really that big of a fan of in-store credit cards, but ...
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An Overview of the Most Common Student Loan Options
Do you need a student loan? Do you know what kind of student loan you want?
Student loans are a confusing subject. And these days, most college students are relying on student loans to help meet the rapidly rise of cost of attendance at colleges ...
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6 Ways to Fix Your Finances: Smart Tips for Resuscitating Your Bank Account
Stressed out by your financial situation? Aren't we all. Awhile back we presented six strategic financial moves you could make to regain control of your money situation -- and here are six more ways to fix your finances that are just as ...
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My 13-Year-Old Daughter Shares Her Financial Fears
I'm only 13 and I'm worrying about my future. Not in an academic kind of way, but in a financial one. Yes, kids have financial fears too! That's because there are certain things that terrify me about growing up and living on my own. Here is a list of ...
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The Pros and Cons of Higher Interest Rates
There's been quite a bit of chatter, from news sources to social media, about the potential for further hikes in interest rates. And although interest rates still remain at historically moderate levels, rumors of further moves by the Fed abound. The ...
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I’m Not Rich, But I’m Financially Free; Here’s How I Got There
Let's face it, the more choices we have in life, the richer and more rewarding it becomes. Fortunately, I'm currently in that coveted sweet spot of financial freedom where I can do pretty much whatever the heck I please, whenever I want.
Don't get ...
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3 Major Money Mistakes People Make When Financing Their Car
For most Americans, having a car is a necessity. Whether you take concrete highways -- which represent roughly 30% of all US interstate highways -- or unpaved pathways to get to work or school, the majority of people agree that it's better to rely on ...
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How to Control Your Expenses (and Ensure They’re Necessary)
If you're wondering how to control your expenses, you're not alone. Controlling your expenses is one of the most important habits we need to develop. A person who overspends and has no money to fall back on as a precautionary measure will almost ...
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