How to control your spending
by Art Graham
In order to control your unnecessary spending, it helps to understand why you spend. Spending money is often not the problem, it is often the symptom of something else. Let's take a look at three reasons people spend money and see if we can find ways to control them. When I was in grad school, I was sitting in an accounting class one day, and Vicki, who sat in front of me, turned around and asked me how my day was going.
5 Ways to Stop Living Paycheck to Paycheck
by Harrine Freeman
Over one million Americans file for personal bankruptcy every year. The average American household has 10 credit cards. People are living above their means. Americans are drowning in debt and the problem is getting worse. Many people are foreclosing on their homes and will be forced to live on the street because they are in so much debt.
7 household budgeting tips
by S. L. Simmons
Do you frequently get cash from ATMs and then have no idea where it ends up? Do you end up paying late fees simply because you don't have a good system in place for tracking and paying your bills? If you don't have a good budget system in place, it is easy to lose track of your hard earned money. The tips below can help you to keep your finances under control.
Stop Eating Your Way Into Debt!
by Jill Cooper
At this time of year, there are usually three things people are panicking about: how to lose weight, how to save money, and how to get organized. We have already touched on losing weight so this week I would like to touch on saving money. Hopefully most of you realize that you can get into deep debt if you buy a house or a car you can't afford. That seems to be pretty obvious, although a lot of people do it anyway.
Money Saving Holiday Gift Ideas
by Scott Bilker
The holiday season is here! If you went shopping last Friday, Black Friday, then I’m sure you noticed the rush to spend money! Since you will have to spend, you need to spend smart. Spending smart to me means getting a high quality gift at a great price. You don’t have to empty the bank to deliver expensive gifts to family and friends. It is the thought that counts. That being said, here are some suggested gifts for this season.
The Valentine's Day Challenge
by Nancy Twigg
Does Valentine's Day have to be expensive? Not at all. Let me tell you a story of how my husband and I had one of the best Valentine's Day celebrations ever by limiting ourselves to spending $10 or less. About ten years ago, my husband Michael and I both left good jobs to begin a home-based business.
Christmas Can Still Be Merry Without All the Spending
by Nancy Twigg
The other day I heard something that surprised me. A recent nationwide study showed that 70% of those polled planned to spend the same amount or even more this Christmas than they did last year. When I read this, I couldn't help but wonder who the pollsters talked to when they did their poll.
The Bills Can Wait
by Terry Rigg
Have you ever wanted anything so much that you were willing to put off your bills to get it? A lot of people have and some do it month after month. The worst part of this is that these same people wonder why they are having money problems.
Setting Your Financial Priorities
by Terry Rigg
Whether you know it or not, you are always setting your financial priorities. Some may decide that a new stereo system is more important than this month's electric bill. This may be a little off the wall but it is still setting your priorities. Anyone wanting to better manage their money would be wise to determine what their financial priorities are and stick to them. Of course, if you see that these priorities will not put food on the table and pay your bills then you will have to rethink your priorities.
Your Checking Account
by Terry Rigg
Checking accounts are an absolute necessity these days. You can either have a checking account or run to the bank or other outlet for money orders. Many people pay for almost everything with a check including groceries, gas, clothes and a long list of other things. When you add an ATM card to this picture, your chances for a potential problem is greatly enhanced.
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