When you look at your smartphone bill, what do you see? If you don’t fully understand the finer details of the bill, including each charge, there is a good chance you are wasting money each and every month. Here is the good thing: there are steps you can take to cut the cost of smartphone ownership. Even better is the fact that you can do so without making too many changes to the way you use...
Do you require a vehicle for your company? Are you on the fence as to whether or not now is the time to buy (or lease)? If so, you are in the same position as many small business owners. Choosing a company car is easier said than done. With hundreds of options, you will find yourself faced with many questions from the start. Below are three tips for choosing the right vehicle at the right time:...
With the new year right around the bend, now is the time to examine your budget. This includes both your income and expenses. Can you think of anything better than a salary increase in 2016? While this may not be something every worker experiences, things are looking good for many across the globe. The Society for Human Resource Management (SHRM), citing information collected by advisory firm Korn Ferry and its Hay Group division, said that “workers around...
With 2015 coming to an end, there is no better time than now to plan for the future. This holds true both personally and professionally. If you are tired of working for somebody else, if you are ready to take the bull by the horns, self-employment in 2016 may be the best decision. While this is a big change from the norm, it could benefit you in a number of ways. From a financial perspective, there...
There aren’t too many college students who have a surplus of money. If you find yourself short on cash, it doesn’t mean you have to sit in your dorm room day and night. Instead, you simply need to adjust your approach to ensure that you aren’t making poor financial decisions. Below are seven fast money saving tips for college students: • Always sell your old text books. You can then use the money to purchase any...
The excitement of shopping for a new car is often overshadowed by the fear of paying too much. Not only do you need to negotiate the best deal possible, but the final price must fit into your budget. There are many steps you can take to avoid overspending on a car, including: 1. Know your numbers. This means two things: the price you should pay for the car, and the amount you are comfortable working into...
It can be difficult to think about retirement when you are in your 20’s. After all, you have quite a few years to go before you hang up your work boots for good. As tempted as you may be to put this off, now is the time to get serious about saving. If you make sound decisions in your 20’s, you will find yourself in better position over the next three to four decades. Here are...
Some companies provide employees the opportunity to purchase group disability insurance. If you can do so at a discounted rate, it is well worth considering. On the flipside, there are employers that don’t offer this benefit. This leaves you in a tricky position. Should you purchase private disability insurance? Should you forget about this altogether? Before you do anything, learn more about the benefits of buying a policy. Here are three that you can’t afford to...
As you shop for a new or used vehicle, you will always come back to one very important question: how much can I afford? The answer to this question depends on many factors, including whether or not you will finance or pay with cash. If you have plans to apply for a car loan, don’t jump the gun. Instead, you should first address these five questions: 1. What are you looking for in a lender? From...
With the end of the year closing in fast, now is the time to review your budget and determine where things stand. If you like what you see, everything can remain the same for 2016. However, you may soon find that a few changes could do you some good. Here are three budget related tasks to complete before the end of the year: 1. Review your income. Did you earn as much as expected in 2015?...
