There are times when “buying cheap” is the best option. There are also times when you should splurge, realizing that a higher priced item will provide you with better quality. If you don’t know when to save and when to splurge, you aren’t alone. Until you figure things out, it is easy to cross the line from time to time. Here are three items that are worth the extra money: 1. Trash bags. Have you ever...
Buying life insurance is not something you look forward to. Not only does this cost money, but you will have to face the idea that you won’t be around forever. Even though it may not be exciting to purchase a policy, it is often the responsible thing to do. If you must go through this process, you might as well get what you want in the end. To ensure that this happens, you need to avoid...
When you make the leap from the corporate world to self employment, it only natural to have feelings of excitement and fear. On one side, you are excited about what the future holds. You are finally taking control of your career path. Conversely, you realize that there is no more security of being an employee. Instead, the success or failure of your business rides solely on your shoulders. If you want to achieve success, if you...
As you continue to send your resume to one employer after the next, you hope to receive “that” call. The one in which the other party asks you to come and interview for the position. Once the excitement wears off, there is a good chance the nervousness will settle in. Are you ready for the questions that are sure to come your way? Are you ready for the possibility of meeting with several interviewers? As nervous...
Unexpected expenses can derail even the most perfect budget. While you can’t predict when they’ll happen, there are a few expenses that are almost unavoidable especially if you’re married, a homeowner, or employed. Unemployment. Lots of factors affect how long it will take you to get another job, but the rule of thumb is that it takes one month for every $10,000 salary you were earning. So, the more money you were making, the longer it...
With back to school season right around the bend, students all over the country are beginning to think about what the next few months will bring. As a first year college student, you are in an exciting position. You are making the big leap from high school to college, which is sure to change your life in many ways. It is common to face financial challenges along the way. After all, you are inching closer and...
Nearly every credit card issuer has at least one credit card with a signup bonus. Spend a certain amount of money in the first few months of your account opening and you can earn points, miles, or even cash. To be sure you earn your points, be a little more meticulous about your spending and payments in those first few months. The last thing you want to do is sign up for a credit card hoping...
The experience of buying a car should be enjoyable. Unfortunately, this process is anything but fun for most consumers. Instead, they dread the thought of negotiating with a salesperson, hashing out details with the business department, and hoping they don’t spend their entire day at the dealership. It is not uncommon to come across an overbearing car salesperson. He or she will do whatever it takes to make a sale, even if it means putting you...
It doesn’t matter why you are seeking a new bank. The only thing that matters is that you make the right decision at the right time. It is easy to believe that all banks are the same, but nothing could be further from the truth. You have to find the best one for your money, and doing so means answering the following questions: • What is unique about each bank?• What does the bank offer from...
Are you in need of a loan? If so, you can go the conventional route and contact a local bank. Just the same, you could turn to your credit card or ask a family member if they are willing to lend you the money. Even with these choices, you may want to consider another: a 401(k) loan. This may not be your preferred method of borrowing, but it is something to consider for many reasons: · ...
