You know if you’ve ever applied for a mortgage, loan, or the credit card you use for purchases, that your credit score is a major factor in the rate you receive, and how you handle your credit card will decide your credit score fate. There are many pros to using a credit card, such as not having your bank account wiped out if fraudulent purchases are made like you would on a debit card, easily … [Read more…]
Ways You Can Teach Kids About Finances
Taking care of the household finances is a good in itself. Between the money coming in, paying for necessary expenses, a little spending money, and hopefully saving, there probably isn’t much left, which is why you always hear about living paycheck to paycheck. I’m sure over the years it’s taken a family member or friend that you can trust in order to guide you in the right financial direction, … [Read more…]
How You May Need to Become an “Adult” When it Comes to Finances
With college graduation upon us and high school approaching, there is a lot of talk on becoming an adult and what all that entails. For most it may moving on to the next chapter of their lives whether it’s continuing education further or starting a career. It also makes you think about financial responsibly as well, as that is a large part as you move out on your own and eventually build a … [Read more…]
How You Can Save Money on Your Food Budget
You may not think what you’re spending on food can make a huge difference in the grand scheme of your finances, but do yourself a favor, take a look at last month’s debit or credit card statement add up all of the occurrences of food, whether it’s stopping for coffee in the morning, getting lunch at the cafeteria, going out to dinner, picking up carryout, grabbing an energy drink, snacks at a gas … [Read more…]
Ways You Can Curb Overspending
While my adt probably could have been one of the worst overspending experiences that I had, it made it perfect timing to examine the rest of my spending habits in order to make the most of the hard-earned money that probably should have been put more towards building an emergency fund, paying off debt, and saving for retirement. A good place to start would be taking last month’s debit or credit … [Read more…]
How You Can Live Within Your Means Each Month
While a 52 week savings plan may be a good idea to come up with extra money at the end of the year, there are other behaviors you can adapt in order to really free up extra money to put your hard-earned dollars to more important areas such as building a cushion, paying off debt, and funding your retirement account. While retirement may still even be a few decades away for some, it certainly will … [Read more…]
How To Win at Day Trading
To become the best day trader possible, it takes discipline, dedication and direction. You need guidance to get where you want to go. There are those outliers than can jump into the harsh waters of day trading and learn on the job, without any classes or learning or help from chat rooms, but they are few and far between. The rest are more like the 90%. The 90% is the amount of day traders that … [Read more…]
Watch Out for Money Wastes that Could Add Up Quickly
While you could be working on class action rebates in order to gain a few dollars, it actually could be time to look at your entire financial picture in order to examine the money coming in and going out, to see what are necessary vs. unnecessary purchases, not to mention the potential money wastes. If you are not currently tracking spending, a good way to see where every dollar is going is to … [Read more…]
Why It’s Actually Good to Use a Credit Card for Every Purchase
Debating whether or not an aaa membership cost is worth putting into your budget is the type of decision you need to make for all monthly expenses to try and free up extra money wherever you can. By opening up funds, you can then use to build an emergency fund, pay off debt, or increase contributions to retirement. Depending on if you use your debit card, cash, or credit card for purchases, … [Read more…]
How You Can Stay On Top of Your Finances
While great passive income ideas will help bring in extra money each month, in combination of reducing expenses, will really set yourself up for success when it comes to your financial picture. Handling the household finances is a tough job, one that should not be left solely on you, as if you have a spouse or partner that you share expenses with, you both should be on the same page, additionally … [Read more…]
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