Finance Globe

More than 7 million Americans work multiple jobs according to the U.S. Department of Labor Bureau of Labor Statistics. Some people work a second or third job to make ends meet, to reach financial goals, gain more experience in an industry, or fulfill a passion. One thing is for sure, managing multiple jobs can be mentally, physically, and emotionally taxing. Paying more attention to organization and time management can help relieve the stress that comes with...

Do you cringe when you receive a medical bill in the mail? Like most, you hope for the best but expect the worst. If you find that your bill is higher than expected, there are a couple of things you can do: •    Pay it in full and move on.•    Contact the billing department to dispute the balance. It’s important to remember that medical billing departments can and will make mistakes every now and again. In...

When you look at your budget, it’s important to ask and answer a variety of questions. Here is one of the most important: are there any items you can do without? At first glance, you may not find any items you can comfortably cut from your budget. However, as you dig around, you may soon realize that there are a few opportunities to save. Taking this one step further, there are big one-time purchases that can...

When it comes to your bills, there’s one thing you always need to do: make payments on time. Although it’s easy for life to get in the way, you must have a schedule in place to prevent late payments. One late payment is bad enough. However, if you turn this into a habit, things can get really bad for you in no time at all. A late payment will impact you in many ways, starting with...

For good reason, this is a topic that has been discussed many times in the past. If you’re carrying high interest credit card debt, if you’re looking for a way to save, a balance transfer offer may be the right decision for you. Of course, there is more to this than meets the eye. Most importantly, you need to do two things: •    Understand your current situation, including how much debt you have. •    Find a...

If you have access to a small business credit card, if you’re comfortable using it to make purchases, it’s a good idea to implement a system in regards to when and how it will be used. It goes without saying that your credit card should be used for business purposes only. Along with this, you only want to make a purchase when you’re comfortable with the idea that you can pay it off right away or...

Do you find yourself facing credit card debt? Are you wondering how to best approach this financial challenge? Although credit card debt management can be intimidating, the right approach and a bit of dedication can help you reach your goals. Here are five basic tips for dealing with credit card debt: 1. Know what you’re up against. How much credit card debt do you have? How many cards is the debt spread across? What is the...

As a small business owner, you’re in charge of making many high level decisions. When you move in the right direction, things will come together for your company. But when you make a poor choice, it can hold the organization back from reaching its goals. With all this in mind, you need to be extremely selective when it comes time to search for a small business credit card. For some, this is a great way to...

Imagine this: you apply for a credit card and patiently wait for it to arrive in the mail. Then something strange happens. Instead of receiving a card, you end up with a rejection letter. This can be disappointing on many fronts. While you may feel like giving up, it’s important to review the letter in great detail and then do your best to determine what went wrong. Here are some of the most common reasons for...

If your checking account balance frequently approaches or zips below $0, you’re not managing your account well. Low checking account balances can be stressful and put you at a high risk of overdrafting. Maintaining a minimum balance in your checking account, a buffer so to speak, can benefit you in several ways. Avoid monthly account maintenance fees. Gone are the days of free checking accounts. Many banks now charge a monthly fee on even the most...