Too many people spend money they earned..to buy things they don’t want..to impress people that they don’t like.
At the end of the day it’s not only how much money you earn that matters, but how much of it you manage to keep. With the rising costs of living in the U.S. many that would have been considered affluent 10 years ago are struggling to make ends meet while living from paycheck to […]
Ah, spring is in the air. A crisp breeze is blowing, the sun is shining again, and flowers are just beginning to blossom. This is typically a time when we open our windows, sweep the dust out from under the sofa and clear away the clutter that we hoarded over the winter months. Spring cleaning […]
1. Determine How Much You’ll Need. While financial pressures play a big role in how much people save. Often times people under save for their future because they don’t realize how much they’ll need when that future arrives. 30% of workers believe they can live comfortably in retirement with a nest egg worth less than […]
Have you ever wanted to find out how financially fit you are? Or are you interested in your financial progress? Then maybe you should start by calculating your net worth. Your net worth statement is like the doctor’s diagnosis. It tells you how good or how messed up your finances are. You could be drowning […]
The day was a Monday and the atmosphere was calm. It was as if it was going to rain. I had just heard the news that our salary had already been paid into our bank accounts. Only God could explain how happy and joyous many of us were to hear the news. I, therefore, did […]
Let’s face it: Students = Broke. From paying for tuition, food, books, and the other creature comforts of college life to engaging in those “not so productive” times away from home, we college students have several expenses that add up very quickly. Without extra income, it can be very difficult to just get by, let […]
I’m living so far beyond my income that we may almost be said to be living apart. e.e. cummings Money. You can’t live with it, you can’t live without it. No matter how hard you try, there’s never enough. The only thing increasing in your bank account is your debt, and you’re beyond understanding how […]
Personal finance is an individual’s financial status. It’s about how much money you have, and how much you need. It is about managing your money – today and for tomorrow. Money is the currency on which all world economies function. Income – expenditure -bills- debts – savings: These are a fact of life. A constant […]
In the past few years, many banks and credit unions have implemented a program called “Courtesy Overdraft Protection”. While that name sounds nice, it is simply another name for “High Priced Overdraft Loan”. Banks and some Credit Unions like this product because it enables them to get a significant boost in fee income while providing […]
You can save hundreds of dollars each year on electricity. How? There are a lot of ways. Here’s just a few you can try. Save on Electricity Make certain that any new appliances you purchase are energy-efficient. This is especially important for air conditioners and furnaces. Information on the energy efficiency of most major appliances […]
