Why Personal Savings is Critical
As someone who has always advocated for sound finances, one of the many habits I have stressed, both as a writer and in my normal conversations with people, is the belief in maintaining a savings account as well as saving a portion of one’s income. This idea came rather naturally to me as a child, for a number of reasons. One of them is my dislike of debt, loans, and owing anyone anything other than what is necessary. As I often tell people the “forgive us our debts, as we forgive our debtors” part of the Lord’s Prayer during church services left as a precocious kid with the … [Read More...]
Five Ways You’ll Pay Too Much for a New Car
It's easy to pay too much for a new car. Getting a real deal on a new car isn't nearly as easy. The reason that so hard to get a deal is that car buyers often start and finish the process at the dealership. But there are steps that need to be taken before you start talking to a dealer that can change the whole outcome. Many people don't do them, and end up paying way too much for new car. Not doing your homework Probably the biggest single biggest mistake you can make when buying a new car is relying on the car dealer's knowledge. It's not that he doesn't have the knowledge, but rather … [Read More...]
15 Ways To Upcycle and Save Money
Upcycling is a trend that's been popular over the last few years as our population has grown more and more concerned about protecting the beautiful world around is. The great thing about upcycling is that in addition to being a little greener, you can actually save a lot of money too. Below are 15 regular household items that you never knew you could re-purpose and re-use. 1. Blue Jeans If you wear jeans a lot, you know that they can easily get holes in them. Instead of throwing them away when they get worn, do a few sewing projects. You can make a purse or a shopping bag with old jeans. You … [Read More...]
How To Thank Someone When They Give You Money
Throughout our lives, we might receive money for various things. This could include college graduation, a donation to your favorite charity in your name, a wedding gift, Christmas gifts, and the list could go on. I know that people have very mixed feelings about money and gifts. For example, I have a friend who really hates receiving money as a gift. I know, I know - It sounds a little bizarre. However, she would prefer for someone to go out and and purchase something with her in mind, which definitely makes sense. I, on the other hand, think receiving money as a gift is great since I can go … [Read More...]
Benefits Of Business Start Up Loans
Business start up loans have many benefits and they can really help a business get started quickly and easily. A business start up loan can give any business, regardless of the niche that it is in, the funds that they need to get started successfully and start earning a revenue stream. Here are a number of benefits that a business start up loan offers a business as well as a number of things that the start up loan can be used for! Buying Products Wholesale A business can start buying products at wholesale prices to sell later at higher prices. Start up loans are a great way to give … [Read More...]
Should You Relocate to Find a Job?
If you want to look for a better job or are facing the prospect of a layoff, relocation may be one of the options you're considering. Sometimes relocation can be exactly what you need to do. Other times, it can turn a problem into an even bigger problem. How do you know if relocating to find a job will be the right course for you? Relocating isn't a risk-free proposition Up until a few years ago it was common for employers to pay some or all of the costs of the relocation by a new or current employee. That's no longer true today. Should you decide to relocate, chances are you will be … [Read More...]
First Steps in January to Sorting Out Your Debt
January is often a depressing month for many of us. We are still in the depths of winter, Christmas and Hogmanay have both been and gone and worst of all, we are left with the expectation of a series of hefty bills at the end of the month. From high energy bills to the credit cards you used to fund those special Christmas presents, it’s easy to be daunted by it all. The key is not to let it get to you, and to follow our tips on how sort out your finances in January! 1) Firstly, sit down at the start of the month and try to find out how much your bills are going to be. For your energy … [Read More...]
Four Reasons a Gift Card Might Make the Right Christmas Present
There are some of us who are procrastinators when it comes to buying Christmas gifts. Some of it is due to tight schedules or absent-mindedness that often comes with the holiday season. Others simply have trouble finding the appropriate gift for a friend or family member. After all, how do they know someone else isn't getting the same gift? Fortunately, a gift card is one of those presents you can get that's easy to find and simple to pick up for anyone you know. Gift cards have often received a bad reputation. I used to see them as one of those gifts you get for people as a polite … [Read More...]
5 Ways to Avoid Spending Unnecessary Money During a Natural Disaster
Watching Hurricane Sandy ravage East Coast the last few days has made me wonder, and hope, that the millions of residents in those areas were properly prepared as their electricity, Internet, and phone systems went down. Although not at all comparable in terms of damage or devastation, the situation reminded me of the 2008-09 snowstorm, which hit Washington state, where I live, particularly hard. Power was knocked out, and in some communities they were not able to get electricity back for weeks. The high level of snow (at least for the area) left roads and street blocked, making it … [Read More...]
Affordable Marketing for Your Small Business
Marketing and operating expenses are two costs every business faces -- and when the rubber meets the road, the marketing budget evaporates first. It's easy to understand why this happens. The operating expenses keep the lights on and the employees working -- a clear and present priority. You simply cannot manage growth without a firm hand on operations. Yet, the inverse is also true. You'll be hard pressed for sales growth without repeated marketing and advertising sufficient to grow and maintain a customer base. So, what's a budget-minded business owner to do? Frugality is a necessity, … [Read More...]
Thrifty Insurance: How to Save Money on your Car Insurance
Saving money doesn’t necessarily mean you have to sacrifice the things you want. Sure, by not spending that extra $50 on a belt to go with your new pants, you will have an extra $50 to go into your savings fund. But you can also save money by being knowledgeable and doing the appropriate research when purchasing life’s essential commodities. A perfect example of this can be found when purchasing car insurance or any type of necessary insurance plans. If you know where to look, and what you are looking for, then you will find several easy ways to save money on insurance: Reduce the … [Read More...]
Ultimate Credit Sesame Review
Most financial blogs have already written reviews regarding the Credit Sesame site and its exciting offers. However, for those of you who are still unaware as to what this is and what it can do for you, here is a brief article that summarizes its key points. First thing, to keep you interest, you must know this: there is most definitely a way for you to benefit from Credit Sesame. How this could happen is by increasing your scores. Your credit score is a numerical symbol that ranges from 300 to 850, that represents your financial history. The higher your credit score, the better your … [Read More...]
