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Reasons For Financial Problems
Most of us know when we hit a financial disaster, usually we can even trace the beginning of the process that led to the financial failure, but the problem seems to be the fact that some people keep repeating the mistakes, or adapting new problematic methods of trying and solving problems.The wise financial planner would first consider his own strong and weak points before making financial decisions and would draw conclusions for the experiences he had in the past, the few points that ultimately lead to financial disasters that I will discuss here are very basic and natural, yet many people do not practice the least amount of caution when making plans.The first and most prominent problem with bad financial planning is that the planner has no financial education, in this case I would strongly advise seeking professional help.Read more…Take Control Of Your Home Heating Oil Costs This Winter
Now is not too soon to be thinking about this years home heating oil costs. If your home uses heating or fuel oil as a primary heating energy source, you will no doubt be struggling with the huge increases in costs that are heading your way. Heating oil, like gasoline, are tied very closely together in price and we all know what the price of gas has done over the last few years.Read more…How You Can Avoid Financial Famine
Here is my paraphrase of Genesis 41:33-36. I think it will help explain, in modern language of today, what your Bible says to you about Joseph and Pharaoh: “Let a man take up a fifth (20%) of his income in the years of plenty. Let him lay up that fifth part during the good years and let him keep it to work for him.Read more…Avoid Financial Disaster with Good Planning
It’s tough to get by financially in today’s fast-paced life. With mortgages, car notes and massive amounts of credit card debt, most people struggle to get by from month to month. With most people doing what they can just to pay their bills, few people are prepared for the unlikely event of a financial disaster.Read more…Money, Time and Social Isolation
Twenty five percent of Americans report that they have no one to talk to about important matters in their life in a June 2006 academic paper, "Social Isolation in America: Changes in Core Discussion Networks over Two Decades". The authors, Miller McPherson, Lynn Smith-Lovin and Matthew Brashears, sociologists at Duke and the University of Arizona, wanted to learn just how socially connected Americans were.Their findings were stunning:• From 1985 to 2004, "the number of people saying there is no one with whom they discuss important matters nearly tripled.Read more…Mistakes That Will Keep You Poor
A lot of people fail to reach their goals of being wealthy. As a result, people live frustrated and unfulfilled lives. In spite of the desire to be wealthy, a lot of people fail to be affluent because of several mistakes.Read more…Stop That Junk Mail - Please!
If your house is like ours, every day we come home to a mailbox filled with junk mail. Sure, catalogs can be useful but what bothers me are the solicitations for new credit cards or home equity loans. I mean, how many offers can Capital One send to the same household???Read more…Internet Banking - Are You Online?
Internet banking has changed the way we manage our money forever. Instead of having to call the bank, go there or wait for a statement to find out how much money we’ve got or where it’s all gone, we can now just log on at the bank’s website and find out instantly. It’s a huge money and time saver, for both the customer and the bank.Read more…Is Your Spending Out of Control?
We’ve all heard the expressions that describe the problem:“I’ve got too much month at the end of my money!”“I owe! I owe!Read more…Personal Finance – Three Simple Steps to Improve Your Financial Literacy
Many people today place money with financial analysts, fund managers and experts in the hope that they can grow their funds. However studies have shown that in the vast majority of cases, the individual generates the same return as the experts. But most people when confronted with this fact, usually reply that they do not know how best to invest their money themselves and it is submitted that the real reason is a lack of financial literacy.Read more…Personal Finance - Three Timeless Wealth Concepts to Impart to Your Children
Have you ever wondered why the rich get richer? Some say that it is because they can leverage on greater wealth in each successive generation. However for many, the real reason it that the rich teach their children financial skills that stay with them for life.Read more…Generation X = Generation Broke?
Generation X is that age group that is just now starting to reach its late twenties and early thirties. Gen X'ers, as they're called sometimes, are increasingly demonstrating a lack of financial knowledge and budgeting know-how unfortunately, and it's really going to hit them hard in their golden years when they're ready to retire. I'm actually in the Generation X age group, and I have seen too many examples of this generation being financially irresponsible, and financially uneducated.Read more…Delayed Gratification and Money (or, Marshmallows and Your Financial Health)
Between 1968 and 1974, researcher Walter Mischel conducted what would later become known as the famous Stanford marshmallow test. Mischel studied children between the ages of four and five. He left each child in a room with a marshmallow, telling them that he would return in 15-20 minutes; he explained that if they hadn’t eaten the marshmallow by the time he returned, he would reward them.Read more…Poor People: Why do you Give to Help Them?
This article may upset some people. Money can be a touchy subject, even when talking about giving to poor people. When you combine the subject of money with religious feelings, there can be conflict.Read more…Why We Overspend Our Dollars
People who overspend often share the same characteristics. Not every consumer struggles with overspending. Yet, if you do, you know that it isn't an easily won battle.Read more…Are your Pennies Counting?
Do you really see the rewards of living frugally? Are those saved pennies just disappearing?Every time I save some pineapple juice or something like that in the freezer, my husband asks me if I am really saving.Read more…Understanding the Frugal Lifestyle
If you want to learn how to save money, you might want to consider becoming frugal. It isn't exactly what you are thinking.Yes, some frugal people hang their laundry to dry on a clothesline.Read more…Retirement Calculator: How Much Will It Cost You to Retire?
Many people have imagined a secured future by the time they have reached their retirement age.However, only a few have truly worked out the estimated amount of that they need to hit the sack happily. This is because most people are not aware about the importance of using retirement calculators.Read more…Financial Planning ( Organizing your Budget )
A few years back a friend of mine accidentally saw one of my paychecks, he was shocked to see that he was earning more than me. He also noted the fact that his wife worked and mine did not. This particular friend had approach me a couple of times in need of a loan to get him through until his payday.Read more…List of Top Habits for Succeeding at Financial Management
There are many habits that keep us from building wealth and eliminating debt. In order to conquer these negative money habits, we must build positive habits.There are a few habits that are almost essential to the management of money:1. Balancing your checkbook.Read more…
Most Recent Articles in Personal Finance category
- How Not to Blow the Student Budget - By: Victoria Cochrane
Student life is great. The associated costs however, are not. Read on to find out how you can make the most of your student budget. - Promote Your Property with a Personal Loan - By: Paul McIndoe
Selling property entails much consideration from redecoration to refurbishments, sprucing up the garden and advertising your abode to potential buyers. A personal loan may be just the ticket you need to get on the road to property selling success. - How to Keep Track Of Outstanding Balances - By: Adam Singleton
It's easy to whip out a credit or store card to pay for something, but knowing what you will be paying in interest is vital if you do it all the time. Here are some tips to make sure you stay on top of things. - Budgeting For Retirement - By: Jeff Nelson
Retirement can be a great experience if you plan for it, don't let planning for the rest of your life slip away from you. - Planning a Vacation on a Budget - By: Jeff Nelson
Planning a family vacation on a budget can be very easily if you take these few steps into consideration when planning! - Top Tips on How to Budget your Money - By: Jeff Nelson
Attitude is an extremely important factor in determining the success of your budget. Make sure that you start your financial planning with the right attitude. - From Chip and Pin, to Wave and Pay: the Cashless Society of the Future - By: Adam Singleton
Whilst some predictions of a cashless society by 2012 may be a little wide of the mark, it certainly looks a probability at some point, thanks to the ubiquity of chip-and-pin technology, and the development of new 'wave-and-pay' technology. - Economic Crisis Spurs Importance of Budgeting - By: Jeff Nelson
The importance of budgeting is now being seen as the economic crisis is affecting the daily lives of all Americans. Be smart with your money and determine your budget with help from useful tools on the Internet. - Speedy solutions for modern-day madness - By: Isla Campbell
With speed and security two of its biggest advantages, the contactless credit card is a great way to eliminate such tedious activities as queuing and carrying small change. Read on to find out how it can revolutionise your shopping experience. - Going Green on Strict Budgets - By: Jeff Nelson
By going green you will not only help the environment you will save money on your monthly budgets.