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Articles about Financial Planning
 
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10 Steps To Improve Your Financial Situation
Here are ten tips you can use to help improve your personal financial situation and inevitably save more money:
 
Single Stay-At-Home Mom
Do you think it is realistically possible for a single Mom of a 15, 12, and 6-year old to stay home with her children? I do not have a profitable skill, a degree or money in the bank. All I know is that a tired, stressed-out mother is not what I want for my kids. They deserve more of me.
 
Unemployed Bill Crisis 
My husband has been out of work for 5 months and the income he did bring in when he was working was double what I currently bring in. Needless to say, my checks and the unemployment is not paying the bills. I am starting to panic because bill collectors are calling daily. I am making sure that my house payment is paid, utilities, car insurance, but everything else is getting severely behind. What do I do? Do we have any way of getting out of this mess? Any rights?
 
Future Wealth 
Like many people, I am interested in retirement, and what my finances will look like when I retire. Or, put another way, when my finances will allow me to retire. I've done a fair bit of study on the subject, reading books such as "The Wealthy Barber," "The Millionaire Next Door," and "Rich Dad, Poor Dad," among other publications on debt, saving, and investing. One common theme, especially for those without huge incomes...
 
Your Social Security Statement 
This week, I received in the mail my Social Security Statement. These annual reports are always very interesting to me as I'm anxious to know what the government will send me for my monthly income when I retire.
Here's an example of what a typical Social Security Statement might...
 
How Much? 
I understand that 25% of my monthly income should be for mortgage, taxes and insurance. How much should I plan for the remainder of my budget? There are two of us in our household. Is there a set formula? Also, if I plan to retire in the next 5 years, should I be carrying a mortgage for the sake of a tax write off?
 
Cleaning House: Improving and Removing Debt 
Over the last year or so, I did a bit of financial reorganization. Without getting too far into the details, I'd like to recount the steps, as one or more may be helpful for others.
 
Getting Your Act Together
If you want this to be the year where you finally straighten out your finances, read on. If your finances have been sinking you deeper and deeper into debt each month, here are some ideas to help you get your financial act together.
 
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