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Personal Finance Information |
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Personal Finance Information
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Reduce College Debt with Scholarships Six Scholarship judges were sitting around an oval table. Forms were piled into 50 boxes. 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). How to Balance Your Checkbook - Get a Calculator and Pencil and You are Ready To Go! Despite how easy it is to balance a checkbook, very few people take the time to do it and the few who do, don't always do it the right way. If you write down in your checkbook ledger what should be deducted and added, you are on the right track - if not, start there and follow these nine easy steps to a balanced checkbook. How to Save Money in a Grocery Store Now there are ways to save money in the grocery store, and they may or may not take much effort on your part to learn some great ways to save money. Your greater savings can often be found in the perishable departments of a grocery store. Planning Your Financial Future Millions of people give a lot of thought to financial planning but get frustrated and give up before ever making any progress. Making yourself aware of the most common reasons people fail to make a viable financial plan is the first step in reaching your financial goals. If I Had a Structured Settlement, I Would Use It to Pay for Gas Has anyone been to the gas pumps lately? Soon $3 a gallon will be the asking price and we'll either have to become cyclists or create some additional income. I plan to do both of course because you can balance thrift and greed pretty well as you ride your bike to work. How You Feel Affects How You Shop & How Much You Spend Have you ever stopped to think about how your "mood" affects the way you shop, not to mention the amount you spend? Think about it.If you want to save a lot of money, avoid shopping whenever you are in one of these moods:DEPRESSED, UPSET, or ANGRYIt's very dangerous for your pocketbook to shop when you're either depressed, upset or angry. Budgeting -- The Critical Flaw That Causes Most Budgets to Fail Budgeting. It's a word we're all familiar with. Creating A Household Budget Creating a budget can be a very difficult task. Although we as consumers know that we need to pay our bills, buy our necessities, and put money away for savings, we don't really know how to start. Budgeting Tips to Save Real Money Sticking to a budget can be difficult, but with so many demands on your finances you have to be extra cautious. TV ads are constantly bombarding the airwaves with messages that you need to buy this or you must have that. 5 Ways to Absolutely Destroy Your Finances! 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. Identity Theft - More Tips on How it Can Be Avoided Recent security breaches at several credit card companies continue to worry Americans, as stolen financial information can lead to identity theft. Identity theft occurs when someone obtains your Social Security number and/or other vital information and uses it to pose as you. Are You Ready To Be Fired? Your boss has just informed you that your department is being reduced by two and you are fired. After he leaves, what are you going to do? This is not about finding a job it's about being prepared for financial change. Family Money Management: The Importance of Agreement Are you having problems with debt? Are you afraid to answer the phone because it may be an angry creditor calling? Do you have problems getting from one paycheck to the next? The simple answer is that you need to budget. But for that budget to work, both you and your spouse need to be in total agreement. Budgeting: A Tough Love Way to Handle Your Household Budget Developing and living by a household budget is by far the best way to get your expenses under control which, in turn, can mean a much less stressful life.However, many families find it very difficult to stick to a budget. Should You Borrow From Your 401(k) Account? If you have a 401(k) account, it can be very tempting to borrow from your account especially when your balance is very high and a loan could easily pay off existing debt, fund a home purchase, or pay for college tuition. Before you make the decision to borrow money, there are several things you must keep in mind to avoid risking your funds. 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. How Check 21 Affects You The Check 21 Law is the new federal law for financial institutions and has taken effect last October 28, 2004.Before the Check 21 law was enacted, your paper check had to be physically transported from where the check was paid out before it could be deposited to the financial institution. Personal Finance - Why You Should Compare, not Despair Sorting out your personal finances can be a tricky and exasperating time. Whether you are looking to obtain money through a loan, protect your finances with life insurance, medical, travel or car insurance, save some money through an individual savings account (ISA), apply for a credit card or a mortgage, change a telephone or fuel utility supplier, or simply decide what the best current account is for your needs, the choices are seemingly endless as well as being extremely complicated. What Are We Teaching our 2005 Graduates about Money? Now that we are in the month of June I can't help but wonder if we have prepared our new graduates for the responsibility of managing and budgeting their money.I had a very interesting conversation with my God-son, a recent graduate from a local Los Angeles high school.
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