Do you have bad financial habits? Have you come to find that these are stopping you from reaching your goals? Are you ready to make a change for the better? Here’s the good thing: you aren’t the only person with bad financial habits. Most people have at least one habit that they want to eliminate as soon as possible. Here are a handful of bad financial habits that you don’t need in your life: • Impulse...
A savings account is more than just a place to keep your spare change or an account to hold your emergency fund. This place has to provide good protection for your money. You should put just as much consideration into choosing your savings account as you do with any other financial account. While you may be tempted to choose a savings account at your primary bank because it’s easier that way, you may be able to...
Are you in the market for furniture? From a couch to a dining room table to an entertainment stand, there’s no shortage of things you can purchase for your home. Here’s a common problem when shopping for furniture: everything you like is priced out of your budget. While this is a concern among most furniture buyers, it shouldn’t stop you dead in your tracks. There are steps you can take to save money, with these among...
Having your money in a traditional savings account typically isn’t the best way for it to grow. Sure, it’s safe and easily accessible, but you may have the opportunity to earn more interest on your savings if you move it to another type of account. Here are three ways you can earn more interest on your savings and still keep your funds safe. Switch to an online savings account. Online banks don’t have the expenses of...
Are you in the process of starting a business? Are you creating your business plan to help guide you through the startup phase? Do you have some concerns about the cost of getting your company off the ground? No two businesses are the same, so it’s hard to know exactly how much you’ll spend on startup costs until you dig into the finer details. Even so, some expenses are common across the board. Here are five...
Do you find yourself spending entirely too much money on gas every month? Are you hoping to reduce this expense? Have you tried and failed to do so in the past? With the national average gas price hovering right around $2.52/gallon (regular), now’s not the time to ignore this expense. Instead, it’s up to you to find ways to save a few dollars here and there. Here are three simple steps you should consider taking in...
Are you interested in applying for a personal loan? Do you have reason to believe this could be the best way to fund an upcoming purchase or deal with an unexpected expense? Are you on the fence as to whether or not you should use a personal loan? There are many benefits of a personal loan, including the fact that these are unsecured. In other words, the lender doesn’t require any collateral. Note: unsecured loans typically...
Saving money isn’t the easiest thing to do, especially if you’re not a saver by nature. But with a solid goal and a clear plan, you can meet your own personal savings targets. Here are a few steps to take to make it happen. Set a goal. To be able to meet your savings goal, first you have to set one. Don’t just set your goal based on a random number you pull from thin air....
All your hard work has finally paid off and your boss has just informed you that you’ve received a raise effective on your next paycheck. Many people automatically start thinking about how much additional money they’ll be able to spend each month. It’s understandable that you want to use your extra money to improve your life, but makes sure you’re being smart about it. Don’t assume anything until you see your paycheck. A 5% increase in...
With the holiday season slowing moving into the past, it won’t be long before you’re reviewing your budget to see where things stand (if you haven’t done so already). Like many, you may find that you overspent during the holidays. From gifts to food, from travel to entertainment, you didn’t make the best decisions over the past month or so. Here are three important steps to take if you find yourself in this position: • Assess...
