Budgeting 101
by Scott Danger
Budgeting. Even a CPA thinks this topic is boring. So why did I choose this topic to discuss? Because unless you have an unlimited supply of cash and savings, it is probably something you should think about and consider.
Why Having a Budget Is the First Step to Getting Out of Debt
by Harrine Freeman
Many people constantly complain about being in debt but when you ask do you have a budget, do you know how much you owe, or when you suggest they cut back on expenses they look at you as if you are speaking a foreign language, or they just plain out refuse. I am always amazed at this, how can you ever get out of debt if you don’t change your mindset, if you aren’t willing to work hard and make sacrifices. There is no quick fix or cure all to get out of debt. It takes a long time to get in debt and you will not get out of debt overnight.
Big Money Problems
by Terry Rigg
Are you scared, worried, unsure of what to do, frustrated, embarrassed and humiliated because you can't pay your bills and put food on the table? What happened? Did you lose your job? Maybe you are sick or hurt and can't work. Did an unexpected expense rip your finances to shreds? Maybe you just used those credit cards too much or bought a house that was more than you could really afford.
Planning for Large Purchases
by Shawn McAnnally
One of the biggest challenges people face in their struggles to avoid debt are large purchases. The easy availability of credit in virtually every retail store makes it hard to resist. You don't need to save for the things you want, you can simply finance the purchase with a new credit card or store account. While this is true, and it does allow for faster gratification, it comes with a hefty hidden cost.
Is Your Money Leaking?
by Diane Palmer
Does your budget have leaks?.. or would you rather not think about it. Most people don't realize how much money actually slips through their fingers in an average week. We are all working hard, trying to get somewhere and make a nice life, and in doing so, we don't pay much attention to the nickels, dimes, quarters and more that are slipping through our hands every day.
Simple Strategies to Eliminating Debt
by Stefano Grossi
If you've taken on more debt than you can handle, don't be discouraged. You're not alone. Thousands of Americans are in the same boat, with many of them carrying huge debt loads. It doesn't matter how much money you make. If you can't live within your means, you become a slave to your creditors. This article is by no means a comprehensive treatise on financial planning. Nonetheless, what follows are a few strategies to regain your financial freedom.
10 Simple Things You Can Do To Save Money
by Art Graham
Here are ten simple things you can do to save money: (1) Start clipping coupons from the Sunday paper and go online to find websites that offer printable coupons for Target, Wal-Mart and many local grocery stores. Yes, I know. Clipping coupons is a hassle. But if you take a few minutes each week to quickly go through the coupons to see which ones you’ll really use and then use them each time you go grocery shopping, you will save money. You can call around to your local grocery stores and ask if they double or triple the face value of coupons and on which days they do it. Go shopping on those days.
Instant Grati Syndrome
by Harrine Freeman
As a baby when you cried your mother or father came running to take care of you. As a toddler when you cried your parents hugged or talked to you until you stopped. As a teenager when you wanted something you talked really nice and sweet to your parents to get it.
FHA Mortgages to Save America's Homeowners
by Minh Nguyen
FHA mortgage programs are giving American homeowners an opportunity to refinance to low, 30-year fixed-rate mortgages amidst heavy guideline restrictions and worldwide credit tightening. The truth is, FHA programs have been existence since 1934, but profit-hungry mortgage companies preferred placing customers into higher margin, conventional mortgages.
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.
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