 Category :: Personal Finance Articles |
Author :: Todd Christensen  |
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| Article Title :: Emergency Savings Account: Save More than Just Money |
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| Few, if any, of us escape life’s financial challenges. Whether it’s lay offs at work, unexpected medical bills, or the loss of a spouse’s income, having insufficient reserve funds to pay even one or two months’ worth of our bills can drive many to impossibly strict budgeting, the loss of real property, and sometimes even to bankruptcy.As important as any other item in your budget, building an Emergency Savings Account with funds sufficient to pay three to six months’ worth of your monthly bills, can provide the financial buffer required to survive while you get back on your financial feet.So, even while you’re repaying your current debts, budget f (read full article) |
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| Category :: Personal Finance Articles |
Author :: Larry Holmes |
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| Article Title :: The New Roth 401(k): A Roth IRA on Steroids |
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| Beginning on January 1, 2006, the new Roth 401(k) plan becomes available. It will be an exciting development because it will allow millions of Americans to not only have tax-free savings and investments while working, but tax-free income during retirement.Of course, we already have Roth IRA's that give us those tax advantages. But think of the Roth 401(k) as like the Roth IRA on steroids. The new plan has the same appeal of a regular Roth IRA -- tax-free investments and retirement income -- but with much larger annual maximum contributions allowed and no income ceiling.Anyone will be able to contribute up to $15,000 per year plus another $5,000 for those over 49 years of age (read full article) |
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| Category :: Personal Finance Articles |
Author :: Jesse Mecham |
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| Article Title :: Rainy Day Fund Basics - Quelling the Normal Financial Storms of Life |
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| One of the big reasons people don’t budget is because they get hammered by unexpected expenses. Perhaps you’ve experienced the same thing. Your budget has been going well for, oh, about 19 minutes, then “WHAM!” You need to pay the car insurance premium. Oh, and property taxes are due. Did I mention your daughter’s annual dance recital fee needs to be paid by Thursday? The oil needs to be changed. It’s also time for a transmission flush. Enter the rainy day fund.Rainy Day Fund Overview
Welcome to life. It just came and hit you upside your head. And it will continue to do so as long as your ticker is ticking. Get used to it and do something about it!The (read full article) |
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| Category :: Personal Finance Articles |
Author :: Jesse Mecham |
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| Article Title :: 3 Ways to Curb a Money Spending Problem |
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| Nobody likes to talk about it, but a lot of people have a serious problem with their money. They spend more than they make. Use these three steps to stop your money spending problem before it gets you into too much trouble!Symptoms of a money spending problem:You feel guilty when you spend money - even if it’s on legitimate purchases.
You lie to your spouse about how much you’ve spent.
You have increasing amounts of credit card (consumer) debt.
You don’t know how much money you’ve spent on clothes, food, entertainment, etc.If you’re experiencing any one or a combination of those symptoms listed above, you need to do yourself (and (read full article) |
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| Category :: Personal Finance Articles |
Author :: Scott Siegel |
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| Article Title :: How A Woman In Cleveland Paid 89 Cents For A Gallon Of Gas And How You Can Too |
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| In August of 2005 the price listed as the price for a
gallon of regular unleaded gas was $2.29. That same day
Kellie Courtney of Cleveland paid only 89 cents a gallon.
Marion Charvat paid $1.09 a gallon. Marion filled her
Volkswagen Jetta for only $12.45. How could they buy gas
so cheap? They did it because they are smart consumers.
Here's how they did it.The reason that Kellie and Marion were able to purchase
gas at such a low price is that they treated gas like it
was any other item that they would go to a store to buy.
They shopped around and they found a way to purchase their
gas at the store that they found had the absolute lowest
cost. They found a frequent (read full article) |
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| Category :: Personal Finance Articles |
Author :: Roger Sorensen |
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| Article Title :: Debit Cards |
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| By now many college students are back on campus, if not in class
then settling into their dorm rooms and getting ready. Among their
books, bed sheets, new clothes and other necessities will be quite
often a credit card. Sometimes with the parents name on it, sometimes
just the students own.Nearly 75% of all sophomores, juniors and seniors have maxed out at
least one credit card. Nellie Mae's survey in 2000 showed 23% of all
freshmen and 92% of all sophomores had at least one card in their
pocket.I don't need to lecture you on the danger of giving a credit card to
a college student who is working part time and going to school full
time. The average student will earn (read full article) |
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| Category :: Personal Finance Articles |
Author :: Roger Sorensen |
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| Article Title :: Deny Yourself & Suffer |
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| Denying yourself the small things in life can be misery.In the last few years of so, if you've been reading most of the
information about personal finance that's been flowing from countless
sources you'll have heard about how it's the little things that add
up to big dollars. An example they give would be 'give up your $3
gourmet coffee every morning, or stop drinking 5 cans of soda a day,
and by the time you turn 65 you'll have an additional $100,000 in the
retirement fund'.I'm not here to defend or attack the source of this information. Nor
am I going to say you shouldn't cut back on the caffeine, everyone
has to make a health choice about their life. What I am say (read full article) |
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| Category :: Personal Finance Articles |
Author :: Roger Sorensen |
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| Article Title :: New Year's Cost Cutting |
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| As a nation, we annually waste billions of dollars on uneaten food,
over priced clothes, unused, unnecessary items, uncompetitive savings
account rates and excessive credit cards interest. American consumers
throw away money as never before and the credit card bills roll in
with their record of excessive Christmas spending. This makes January
a perfect time to start putting your personal savings finances in
order.I know that I find something freeing, almost liberating about
spending money away on treats for myself. It can be something as
cheap as a pad of notepaper with some fancy design on it that costs
$5, or as expensive as staying at a hotel room instead of driving two (read full article) |
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| Category :: Personal Finance Articles |
Author :: Roger Sorensen |
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| Article Title :: Financial House Cleaning |
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| Summer is right around the corner and most of us have our to-do-
lists figured out, mentally, if not written down yet. Bible camp for
the kids, plant a large garden, and a trip to the lake. What about
financial housekeeping, shouldn't that be on your list too?Early summer is a great time to take a financial breather. The
holidays are a long way off, the taxes have just been paid and we're
spending time eating in the backyard instead of dining out.If you take even one day out of your summer play/work and organize
your finances, you could cut down on the forest of bills, bank
balancing, and paperwork facing you all year long. Now is even a good
time to take a look at y (read full article) |
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| Category :: Personal Finance Articles |
Author :: Roger Sorensen |
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| Article Title :: Christian Investment Principles |
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| God is the perfect partner for any Christian investment program. After all, He supplies all the seed we and He multiplies it. Any investment program ought to be based around multiplying assets that God supplies, as pointed out in the parable of the stewards in Luke 19:12-24. The seeds we retain then bring in a greater harvest the next time. As we show our faithfulness, He will give us even more. Our responsibility is to return it to His work.Reasons for investingGod's prerequisite for investing is centered on our attitudes. Money can be used for the comfort and convenience of our families and to provide the needs of others. It can be used to spread the Gospel or used for des (read full article) |
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