Personal Finance Information
Top 10 Ways Managing Your Money Is Just Like Riding a Bike
An avid cyclist and bike racing fan, I sit transfixed during the many hours of Tour de France coverage every July when the race rolls around. This year, during some of the less-than-scintillating early miles of the sprint stages, my mind wandered a bit, and it occurred to me that there are some interesting parallels between winning the Tour de France and winning at personal finance.
Reporting Identity Theft
Would you know what to do if you suspect that your personal information had been stolen and used by thieves to open new accounts? It's important that you take the right actions to clear your name as quickly as possible.In 2005, the laws were changed to allow anyone to review their credit report yearly without having to pay a fee.
Benefits of Personal Finance Software
In this age of information, keeping track of your finances does not mean an archaic jumble of ledgers, calculators, and papers filled with calculations in chicken scratch. Now everything can be taken care of on your computer through personal finance software.
Save Money on Groceries: Part I
One universal of humanity, no matter who you are or where you come from, you have to eat. Unless you grow your own food, you will have to go to the grocery store to get it.
I Want to Buy a Home - Now What?
If you were to ask 100 women "What would you like to achieve financially?" Buying a home or apartment is usually one of the answers. Some women think that they can never own a home - which is not true! In fact, there are so many success stories of home buyers who never thought they would get there.
Bankruptcy Chapters Explained
Chapter 7The potential chapter 7 debtor should understand that a straight bankruptcy case does not involve the filing of a plan of repayment as in chapter 13, but rather envisions the bankruptcy trustee's gathering and sale of the debtor's nonexempt assets, from which holders of claims (creditors) will receive distributions in accordance with the provisions of the Bankruptcy Code. Part of the debtor's property may be subject to liens and mortgages that pledge the property to other creditors.
Strategies for Success
Holy Shenanigans! More STUFF?Loosing one's business due to lack of personal control is a sad thing. I've watched many people do just exactly that.
Money Matters - Really!
One of the biggest challenges facing black RELATIONSHIPS today are finances. Many people mistakenly feel that money does NOT matter.
7 Simple Ways To Save Money
Each of us knows how to spend money, but do we really know how to save our money? No, I am not necessarily talking about setting aside funds for an investments purposes - a good thing - but saving money on everyday items. Here are seven simple ways you can save money:1.
Why Live Frugally
What is it about being frugal, why do it at all? Actually, some people don't do it at all, they have decided that what they want and desire is what they are going to get and they feel they deserve it. I have no trouble with that; more power to ya, live long and prosper and may you die with the most toys.
How to Save for A Down Payment
Saving for a Down Payment is hard work, so it's a good idea to really want to own your own home by the time you begin your Savings Account. It's difficult to turn down a weekend in the Bahamas (or Downtown at the Clubs!) when you don't have a definite goal.
10 Money-Saving Tips
1. If you have your haircut every 3 weeks, try
going 4 or 5 weeks in between haircuts.
Basic Bank Accounts Failing the Basic Needs of Consumers
The lists of bank and savings accounts that are available to most people are bewildering. A quick look at a comparison site like Moneynet or Moneyfacts will reveal thousands of different products.
The Good and the Bad of Money Management
Good money management needn't be difficult. In fact, there a number of
easy steps recommended by most financial professionals to help manage
your finances better.
Avoiding A Nightmare On Renovation Street
You've decided you want a bigger, better and more desirable house. How do you determine when to renovate, what to do and importantly, how much will it cost and will we get our money back?Unless you're in the building industry, most people are fairly naïve when it comes to making decisions about renovating.
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If All Things Are Possible, Why Cant I Balance My Checkbook?
For me, the most terrible time of each month is the day our bank statement comes. We commonly call it BSS (Bank Statement Syndrome).
Debt Management - Watch Out for Bank Fees!
During the last twenty years, banks have offered a number of improvements in the area of being customer-friendly. The old 9 AM - 2 PM "banker's hours" are gone, replaced by a schedule that makes it easy for most people to visit when the bank is open.
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Debt levels are at an all time high in the UK. The younger generation tend to be feeling the pinch the most, but parents are increasingly being required to bail them out, often at great expense to their own limited mortgage or retirement savings.
Saving Dimes Can Go a Long Way
On the other hand, there are those people who are saving dimes and every other cent. Perhaps its because they hate the clutter of change but want to get rid of it instead of letting it accumulate elsewhere or still rely on the fact that change has value and should be used accordingly.
Budgeting your Savings - Did You Let Your Piggy Bank Get Away?
I think most of us have at some point in our lives. Some how we forget to feed the little piggy.
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Ben Stein has a book called How to Ruin Your Finances. To be honest, I'm not sure an entire book is needed on the subject-there are some fairly quick and easy ways to accomplish the task.
Avoiding A Nightmare On Renovation Street
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Most of us, especially those of us who have debtor's disease (if you have it you know what it is!), have commented or at least thought, "If I could just win the lottery, or sweepstakes, everything would be better." Unfortunately, even if that big dream did come true things probably would get worse instead of better.
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