 Category :: Personal Finance Articles |
Author :: Douglas Hanna  |
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| Article Title :: 10 Quick And Cheap Ways To Cut Your Heating Bill |
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| When you received an energy (heating) bill last winter, were you afraid to open it? Granted that we have a home with a lot of really big windows, but we saw energy bills last winter in the hundreds of dollars. Your bill probably wasn’t that bad but I’m guessing that it was a lot higher than you would have liked.The good news is that there are some inexpensive things you can do to cut that cost. Here are 10 of them.1. If you have a fireplace, be sure to keep the damper closed. You can lose up to 5 percent of your heat if your damper is open when the fireplace is not in use.2. Keep your furnace filter clean. Replace it at least once a month during heating season. Th (read full article) |
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| Category :: Personal Finance Articles |
Author :: Gene Simmons |
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| Article Title :: Budgeting Made Easy |
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| Well, dang! From what I’ve heard and read, it looks like we’ve reached an all-time world-class new record in the amount of personal debt on the books. Now it’s probably not quite as bad as we’ve been led to believe, however many of us have managed to tromp further than we should have into the financial swamp. How well we’ll be able to find our way back out to dry ground will depend on our knowing just where the heck we are in the first place. And that takes us right to the “B” word.“Budgets”For some of us, the word immediately congers up visions of frowning accountant-type folks, complicated computer programs and mountains of wadded up balls of scratch (read full article) |
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| Category :: Personal Finance Articles |
Author :: Scott Felix |
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| Article Title :: What is ChexSystems? |
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| Commonly referred to as the first of the three major "Check Systems" in the U.S., Chex Systems is an association of financial institutions that network together in order to develop a database that maintains the records of mutually unwanted customers. To make sure that only financially responsible individuals open up checking accounts at member institutions, these banks report on customers who demonstrate poor financial management skills. When a customer’s checking account is closed due to demonstrated mismanagement, then he or she is reported to Chex Systems. Once done, the customer will have a very difficult time opening up an account at any other financial institution partnered with C (read full article) |
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| Category :: Personal Finance Articles |
Author :: Sherrill St. Germain |
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| Article Title :: Top 10 Ways Managing Your Money Is Just Like Riding a Bike |
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| An avid cyclist and bike racing fan, I sit transfixed during the many hours of Tour de France coverage every July when the race rolls around. This year, during some of the less-than-scintillating early miles of the sprint stages, my mind wandered a bit, and it occurred to me that there are some interesting parallels between winning the Tour de France and winning at personal finance.
Having watched Lance Armstrong pull off the win for 7 years in a row, I’ve compiled this list of the Top 10 Ways Managing Your Money Is Just Like Riding a Bike:
1. If you take safety precautions (e.g. helmet/emergency fund), you’ll feel a whole lot more relaxed and confident on the journ (read full article) |
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| Category :: Personal Finance Articles |
Author :: Jon Martin |
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| Article Title :: Benefits of Personal Finance Software |
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| In this age of information, keeping track of your finances does not mean an archaic jumble of ledgers, calculators, and papers filled with calculations in chicken scratch. Now everything can be taken care of on your computer through personal finance software.Personal Finance Software: Organize Your FinancesYour finances are complicated. You have money coming in and money going out. You have bills and investments as well as multiple bank accounts. Personal finance software will keep everything organized for you.Depending on the software you use, it may be able to separate portions of your finances into various categories for you. For example, Quicken 2005 separate (read full article) |
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| Category :: Personal Finance Articles |
Author :: Galia Gichon |
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| Article Title :: I Want to Buy a Home - Now What? |
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| If you were to ask 100 women "What would you like to achieve financially?" Buying a home or apartment is usually one of the answers. Some women think that they can never own a home - which is not true! In fact, there are so many success stories of home buyers who never thought they would get there. In addition, homeowners tend to have greater financial success in the other areas of their finances life. I’ve seen it over and over.The benefits of owning a home include: building equity, saving money on taxes and an integral step towards building wealth. With interest rates so low, this is a great environment to buy a home. This article is a checklist with tips and guidelines to bu (read full article) |
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| Category :: Personal Finance Articles |
Author :: Jan Verhoeff |
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| Article Title :: Strategies for Success |
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| Holy Shenanigans! More STUFF?Loosing one’s business due to lack of personal control is a sad thing. I’ve watched many people do just exactly that. Recently, a friend told me that her only money is in her business account and she’s been using it rather freely. The business is losing money. It’s going under, because it can’t support itself. She has another income, but she’s not living within her means.So, what is she buying with ‘her money’? Frivolities, unnecessary trivialities, and ‘bargains’. She and I have discussed the ‘bargains’ she buys. She’s got more STUFF than any ten people NEED, and she still buys because it makes her ‘feel good (read full article) |
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| Category :: Personal Finance Articles |
Author :: Michelle Smith-Billups |
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| Article Title :: Money Matters - Really! |
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| One of the biggest challenges facing black RELATIONSHIPS today are finances. Many people mistakenly feel that money does NOT matter. In fact, money matters the MOST! Why? Most people do not have a clue about their own financial destiny.You know you want to own a home and save some money toward retirement but have you PLANNED what it is you are saving each month and how that money will assist you in the future. Do you have a PLAN to empower yourself financially by NOT depending on your JOB to pay your salary and that's your only source of income. Times have CHANGED. Jobs come and go(and so do SPOUSES). To protect yourself financially you need to be proactive and (read full article) |
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| Category :: Personal Finance Articles |
Author :: Douglas Hanna |
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| Article Title :: Do You Really Need the Power of Money Management Software? |
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| I have been a loyal user of Quicken(R) for more years than I can remember. But a conversation the other day with my youngest son started me wondering whether or not I really need money management software.The difference is what most banks have done with their online banking in the past few years.It used to be that the only way you could keep track of your spending online, pay bills and determine where you had spent your money was to have a money management program.However, today you can get most of that information you need from your bank. For example, we have two accounts at a bank I'll call First Denver National. When I sign on for online banking, I have a choice of (read full article) |
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| Category :: Personal Finance Articles |
Author :: Matthew Keegan |
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| Article Title :: 7 Simple Ways To Save Money |
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| Each of us knows how to spend money, but do we really know how to save our money? No, I am not necessarily talking about setting aside funds for an investments purposes – a good thing – but saving money on everyday items. Here are seven simple ways you can save money:1. Use Appliances That Are Energy Efficient. Chances are your old refrigerator or washer is a pig on fuel. When shopping for a new unit, make sure that the energy rating is high. However, do not pay hundreds of extra dollars for a product if only a slightly higher energy rating is achieved. Instead, find out which model gives to you the highest possible energy rating for the buck.2. Click Coupons. You can sa (read full article) |
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