Posted December 30th, 2011 by Elena
Thinking about upcoming New Year?
For many of us it starts with new resolutions.
We give ourselves a bunch of promises like: I am going to lose weight and eat healthier… I am going to save money… etc.
Sounds familiar?
But how often do we actually keep those promises and for how long?
Our new year’s resolutions regarding personal finance as well as our health should be of a high priority to us.
If you really want to make some important financial resolutions, I would suggest putting them in writing with the steps on how to accomplish them with specific deadlines. Read the full article…»
Posted December 19th, 2011 by Elena
We all need money before and after the holidays, but sometimes we don’t realize that we actually have more money than we think.
Successful personal finance starts with an occasional evaluation of what we have, and what we need and don’t need.
If you go through your closets – you don’t need to wait for spring cleaning to do that – you can find quite a few things that you do not need and can sell or donate for tax deductions.
And the best time to do it – at the end of the year.
Would you not like to get a bigger tax return in April because you made some donations at the end of the year? I bet you would!
Here are My Five No-Brainer Ways to Make Money I came up with that helped me to get a good chunk of cash while I was not working for a while. Read the full article…»
Posted November 16th, 2011 by Elena
Unfortunately, the truth is that the economy is not getting any better, at least in the nearest future.
We all know quite well that job security does not exist any more.
By the end of 2010, the number of people working part-time quadrupled since 1950.
That’s because they were not able to find a full-time job.
Job creation is at its lowest point since 1980, while the job destruction continues to rise.
All these statistics make it clear that the nature of jobs has changed.
No one can become bulletproof in these hard economic times. Read the full article…»
Posted October 23rd, 2011 by Elena
I love reading articles on personal finance, budgeting and investing as well as finding bargains, coupons and ways to make some extra cash or save money.
There is definitely lots of information on the Internet, and sometimes it’s hard to find the right source of information that you can trust.
I read financial articles on a regular basis and find a great deal of useful information for myself.
Today I would like to share a list of my favorite Financial Blogs with my readers.
Please check them out – you won’t regret! Read the full article…»
Posted September 13th, 2011 by Elena
If you ask any homeowners who got done any home improvement projects on a low budget, they will tell you: you get what you pay for.
Contractors who make the lowest bids rarely deliver a great job.
Cheap construction materials usually don’t last too long.
But there are definitely effective ways to get great quality job for less money.
These 6 simple strategies will save you a big chunk of money, and you will get you a high quality remodel you always wanted. Read the full article…»
Posted September 2nd, 2011 by Elena
Do you normally do all your stuff on your home computer or you use your cell phone a lot?
Just because you can do quite a few money-related things with a mobile device, does not mean it is always a good idea.
First of all, it is not easy to accomplish things on a screen the size of a Post-it note. Am I right? Don’t you hate that?
Secondly, some complicated tasks, like transferring money from one account to another, or doing stock portfolio analysis, require you to have your important information handy, so you may not want to juggle things like that on the go. Read the full article…»
Posted July 1st, 2011 by Elena
We never really think about home burglary prevention until we actually get robbed, is not that right?
Here are some important tips on how to prevent a home burglary.
Unfortunately, if someone really wants to get in our home - they will probably find a way.
My question is would you like it to make it easier on a burglar or more difficult to get into your house?
If the burglar gets to choose to get into your house or someone else’s that is an easy target, which one would he choose? Exactly! This is a no brainer!
So, even if you can never completely bulglary-proof your home, you can get some ideas from the list below that will at least make your home less of a burglary target. Read the full article…»
Posted May 21st, 2011 by Elena
During the recession Americans’ personal savings rate hit 5.5% in 2011 versus 0.8% in April 2008.
As a result, you may have more money than usual sitting in your checking account right now.
Your savings account may also hold a huge chunk of money that you still have to figure out what to do with.
That is very understandable.
But the average bank account pays only from 0.03% to 0.15% interest rate. Read the full article…»
Posted April 17th, 2011 by Elena
When you think about preparing for early retirement, you likely think about gaining financial independence, building wealth, following certain retirement strategies - making sure your finances are in order.
But there are definitely other equally important aspects to consider as you redefine your life and look forward to your new future.
Prepare yourself for a happy, healthy and fulfilling future retirement with these simple tips: Read the full article…»
Posted March 30th, 2011 by Elena
Everyone knows that investing, no matter how careful and conservative you are, exposes an investor to certain risk.
Many of us also know about reward/risk trade off – higher returns are usually accompanied by higher levels of risk.
So what does exactly a risk-aware investor have to do in order to achieve highest possible returns while managing risk? Read the full article…»
Posted March 8th, 2011 by Elena
Financial success is very important to us.
Purchasing a home is everyone’s dream, and is a part of being financially successful.
Mortgages can be a very confusing topic for a lot of us though.
There are definitely a lot of myths and misconceptions about them.
Most of the times subscribing to these myths can keep you from buying your home or paying for a mortgage that costs more than it really needs to.
Find out the truth behind several popularly held mortgage beliefs. Read the full article…»
Posted February 25th, 2011 by Elena
During hard economic times, it is easy to feel the pinch when you are short on cash.
Prices seem much higher than ever, and the paycheck does not seem to cover as much as it used to.
Unfortunately, during these tough times, we all need to tighten the belt and lower our cost of living. Read the full article…»
Posted January 22nd, 2011 by Elena
Everyone would like to eliminate their Credit Card Debt and gain financial independence.
Did you know that an average American household has over ten credit cards with an average balance of $11,000?
Quite overwhelming facts, are not they? Read the full article…»
Posted November 25th, 2010 by Elena
Dear readers,
please check out our new Free Stuff Page that offers links to the sites where you can find the following information:
Read the full article…»
Posted October 9th, 2010 by Elena
I have always liked checklists.
They help me to organize things better and get accomplished more in my life.
When I am eager to make progress in a certain area, but I don’t exactly know what steps to take, I sit down, think it through and make a list of things that will take me to my goal.
Here you will find my personal financial checklist that pretty much covers all of the steps, that I have taken in the past 20 years of my life to become and stay financially successful. Read the full article…»
Posted September 11th, 2010 by Elena
Quite a few people these days do not have a stable income, so how do you set up a budget when you do not have a regular paycheck?
In my opinion, it is much more difficult to set up a budget when you never know how much money you are going to bring home each month.
I believe everyone should certainly try to set up a budget anyway. Read the full article…»
Posted August 18th, 2010 by Elena
A new $100 note will begin circulating on February 10, 2011.
To ensure that the people who rely on the $100 note know how to use the security features in the new design, the U.S. government has launched a global public education program.
Read the full article…»
Posted August 2nd, 2010 by Elena
Did you know that companies will actually pay you to get rid of your old computer, cell phones, books and more? It’s true - and shipping is free!
1. Turn Your Old Gadgets Into Cash!
Got a new camera, MP3 Player or computer? Send your old one – even if it’s broken! – to www.gazelle.com
A pricing guide lets you know in advance how much money you’ll get for it (sometimes hundreds of dollars!).
Read the full article…»
Posted July 17th, 2010 by Elena
We all know the phrase “where there is a will, there is a way.”
In estate planning though it would be more accurate to say “where there is a will, there is the way” — the way you want your wishes carried out, your children cared for and your property distributed.
Without a will, you are basically agreeing to let a judge decide who will raise your children, who will inherit your assets, and how your final wishes will be carried out — decisions you would never otherwise let a stranger make (!)
Read the full article…»
Thinking about upcoming New Year?
