Getting Your Budget under Control If you are like most people, your budget could use a little tightening; your credit cards need to be locked up, and your debit card could use a rest. The first step to getting your budget under control is to keep track of your income and expenses, so you know...
With more and more people going into business on their own the pot of money available to start-ups is getting increasingly hard to access. And with the odds of a start-up business failing within five years somewhere in the region of 75% it is clear that most investors and financial institutions are going to be...
Arguments about the family budget; maybe they happen during the monthly or yearly budget committee meeting (you are having those aren’t you?), or maybe they happen at dinner just before bed. Regardless of when they happen or where they occur, these disputes always seem to result in mudslinging worthy of a heated political bout. The...
At a glance, you would think that a couple that keeps its finances separate would have less to fight about when it comes to money issues. Research has indicated that just the opposite is true. Keeping all of a couple’s finances separated can lead to more misunderstandings in the long run. Separate Accounts can Mean...
I’ve recently read loads of personal finance stories that deal with how to save money, but I haven’t seen many that state what you can actually do when you’ve reached your savings goal. Everyone’s savings goals are different, some people save for a particular product that they like the look of, whereas others save for...
Putting some money aside for savings is a really important and smart idea. It’s so easy to get caught up in our everyday lives. We need to do everything we can to keep on top of our regular finances, such as a checking account and paying bills, but we all know in the back of...
Budgeting isn’t fun, and the very idea of it has discouraged most of us from even trying. However, having and following a budget is essential for our future, and easy when you know how to do it. Savings offer both instant and long-term rewards. Whether you already have a budget that isn’t working out for...
Being a young adult is such an exciting time in life as new found freedoms and responsibilities arise. The pursuit of careers, relationships, first house, and FUN is on the priority list and financial decisions at this point in life can be crucial to financial success throughout life. Let me assure you that if you...
In the wake of the credit crunch and many years of erosion of the old job-for-life culture, more and more people are concluding that there are no longer any advantages to be had working their guts out for someone else. Instead, self-employment and setting-up your own business is becoming increasingly popular. As are freelance and...
Think before you buy it. Easier said than done, right? Most people find the urge to splurge quite hard to resist. Impulse buying is a dangerous habit and is the cause of needless debt. So how exactly do we avoid this trap when we are but mere humans, constantly subject to sale posters and marketing...