Finance Globe

After what seems like an eternity of car loan payments, you’ve finally mailed off the last payment on your loan. Now you fully own your car and you’re free of payments, what should you do next? Store your title away safely. In some states, the motor vehicle department will automatically mail a title to you once the lender has notified them of the lien release. In other states, you may have to actually go to the...

Many people max out their housing budget, purchasing as much house as the bank will allow. There may be a benefit to buying a home that’s priced under what you can actually afford, even if it means buying a slightly smaller house than you initially intended. You’ll have a lower down payment. Mortgage down payments can be up to 20% of the home purchase price. Buying less house than you can afford means you don’t have...

As a small business owner or office manager, there may come a time when you need to take a hard look at your spending. Did you know that approximately two-thirds of Americans don’t budget? While this number may or may not be as high in regards to small business, nothing changes the fact that you need to pay close attention to every last dollar you spend. This leads us to an important question: are you overspending...

Are you ready to leave your corporate job behind and become a self-employed professional? Do you require some funding in order to make this move? If you don’t know how to fund your self-employed venture it doesn’t mean you are out of luck. It simply means that you need to become familiar with the many options that are available to you. Here are three forms of funding that you absolutely need to consider: •    Personal savings....

Even though we are several months away from the holiday season, it will be here before you know it. While some people enjoy waiting until the last minute to shop for gifts, others realize the benefits of getting an early start. Would it be crazy to start your holiday shopping today? Rather than shoot down this idea, here are a few reasons why it makes sense: Not buying everything at the same time. When you buy...

There is nothing more stressful than facing a personal emergency that has the potential to negatively impact your finances. From a serious illness to a major car repair, you never know what you will face in the future. This is why you need to be prepared for anything that could come your way. Although everyone is facing a different set of circumstances, here are some of the best ways to pay for a personal emergency: Emergency...

Even though shopping is a necessary part of life, it’s still important to steer clear the mistakes that will hurt our wallets. Watch out especially for these five shopping mistakes  Not shopping around. Never take for granted that the price you see posted is the price you have to pay, especially for big ticket items. Never underestimate the value of checking around for different prices. Even if you don't spot a better deal at least you can...

Self-employments has its rewards, but it also has some challenges. While you have a lot of freedom and flexibility in your schedule, you have to be disciplined to achieve results and ensure you can maintain that freedom. Building the right habits are key to long-term self-employment success. Do the most important things first. You might be tempted to log into your email or check your social media accounts at the start of your workday, but that may...

When you have an excellent credit score, the credit card world is your proverbial oyster. Not only do you have more credit card options, the options available to you include top-tier rewards credit cards. Your payment habits and impeccable credit management have earned a great credit score, make sure you choose a credit card that will help you maintain it. You’ll receive more credit card offers. Because you’re a person who can be trusted to repay...

Budgeting for expenses that come every month is tough enough. Working in those irregular expenses that come only a few times a year can be even tougher. Property taxes, car tag renewal fees, annual insurance premiums, and holiday spending are a few examples of expenses that don’t come around that often. But if you’re not prepared for them, these irregular expenses can wreck your budget. Here’s how you can keep that from happening.  Know your irregular expenses...