Being able to make a living without ever having to leave your home sounds like a dream come true. But, working from home isn’t without its challenges. Not everyone do it successfully and those who can have to adjust to working in such a flexible environment. Do something you like. Even at home, work is still work. With no one looking over your shoulder or forcing you to do your job, the excitement of doing something...
When you’re living paycheck to paycheck, as 40% of Americans are according to a 2013 survey conducted by Harris Interactive, the best thing to do is to cut back on your spending. Creating more distance between your income and your expenses will keep you from being broke before your next paycheck comes. With the money leftover from your paycheck (yes, you can have money leftover), you can start building a savings cushion to help take care...
For years, personal finance experts have been repeated, “Build an emergency fund.” Yet, year after year, statistics show that many Americans don’t have enough money in their emergency funds and more alarming, many don’t have any savings at all. Saving money isn’t easy, but it’s well worth it. However, those without an emergency fund may be rationalizing that it’s ok to put it off for one reason or another. The economy is getting better. When the...
Many people believe that the only way to save more money is to earn more money. While there is nothing wrong with striving to increase your salary, it is important to note that you may be wasting money each month without realizing you are doing so. To pinpoint wasted money, you must complete an in depth review of your budget. From there, it will become clear of whether or not you are spending money that you...
Are you in the process of searching for a CPA who can assist with helping you file your tax return? How about somebody who can provide you with the help you need to get your business up and running?Regardless of why you are seeking a local CPA, it is important to compare multiple professionals before making a final choice.It is easy to believe that all CPAs offer the same level of benefits, however, nothing could be...
There used to be a time when buying a home with little or no money down was possible. While this may still be the case in particular situations, most people realize they need at least five percent down to qualify for a mortgage.Here is the burning question for those who want to buy a home but don’t yet have a large enough down payment: how am I going to save the money I need without wasting...
A 52-Week Money Challenge has been circulating on social media and personal finance blogs over the past few weeks. With the onset of the New Year, many people are feeling inspired by a new chance to meet their financial goals and a challenge is one way to get you motivated. If you haven’t seen the 52-Week Money Challenge, here’s how it works. Start week 1 by depositing $1 into your savings. Yes, just $1. Each week,...
Are you looking for a safe investment? If so, there is no better time than now to consider a certificate of deposit (CD). With so many benefits, you owe it to yourself to decide if this is something that could work in your favor.Here are four of the most powerful benefits associated with CD investing:1. Safety. Let’s face it: in today’s day and age a growing number of people are shying away from investments that are...
As you sit in your office (or cube), you may begin to ponder what it would be like to work for yourself. The benefits of self employment run deep, however, working for yourself is not all fun and games. There are many details to consider, including those associated with your financial situation.As you consider self employment, here are five financial questions to address as soon as possible:1. Can you afford to leave your current job? Remember,...
For some people, the thought of saving money is something that never crosses their mind. They don’t care to save, don’t know how to get started, and/or are afraid of what will happen if they fail.Are you aware of the relatively simple ways to save money on a monthly basis? Here are five ideas to consider:1. Skip your morning coffee run. Are you the type of person who has to stop at Starbucks everyday for a...
