 Category :: Personal Finance Articles |
Author :: James H. Dimmitt  |
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| Article Title :: Tougher Bankruptcy Laws Take Effect October 2005 |
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| In just a few short weeks, President BushÂ’s Bankruptcy Abuse Prevention and Consumer Protection Act will take effect. In a nutshell, the new law, which goes into effect on October 17, 2005, makes it more difficult to cancel your debts under Chapter 7 Bankruptcy protection. Instead, consumers will find themselves having to file for Chapter 13 Bankruptcy protection and paying back their creditors over a five year period.
HereÂ’s a look into some of the major changes that will affect consumers choosing to file for bankruptcy after the new law goes into effect -
Qualifying - Chapter 7 or Chapter 13?
To be able to qualify for protection under Chapter (read full article) |
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| Category :: Personal Finance Articles |
Author :: jclason |
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| Article Title :: Budget For The Future |
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| Have you sat down and really thought about your financial future? I know people are busy these days and you think "well I'm young now and I'll have time to do it later." You're dead wrong. You are NEVER too young to start saving for retirement!
They say if a 25 year old puts in $2.00 a day into a savings account ($60.00 a month), buy the time he reaches 65 he'll have a million dollars. However, what is a million dollars these days - really? It's practically chump change with rising housing and cost of living expenses.
So you have to make a budget to save for the future. Don't expect Social Security to kick in, they're having problems already - much less when you get (read full article) |
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| Category :: Personal Finance Articles |
Author :: Cheryl Johnson |
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| Article Title :: Money Saving Tips. Maximize Savings on Everyday Items! |
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| Frugal living is more than a lifestyle. It's a passion.
Call Me Crazy! I love It!Why, who wouldn't love getting paid to buy products that they use everyday?Here's how I do it.I purchase an item that has a rebate offer (either a store or manufacturer rebate) while it is on sale and use a coupon during purchase. That's it!
Using this formula I almost always come out ahead. When all is done, I've gotten back more than I actually paid for the item.Even when I do have to pay for the items like deodorant, shampoo, soap, toothpaste, and toothbrushes it's about 50 cents for a item that would cost up to $2 -$4 originally.Am I the only one out there that gets (read full article) |
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| Category :: Personal Finance Articles |
Author :: Cindy Morus |
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| Article Title :: Top 10+ Ways to Jumpstart your New Year’s Finances! |
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| Of course, these don't have to be done in any particular order!
Just pick one or two that particularly apply to your situation. * Create your 2005 filing system. This might include new file folders, a new box to hold them or space in a filing cabinet with easy access. Mp>* Set up a folder to collect all the important 2004 tax documents which will be arriving soon. Sure to arrive at your house are W-2s, 1099s, mortgage statements, etc. * Set up an appointment with your tax professional early so you get the appointment of your choice. This also gives you a deadline to get your information ready! If you’re self-employed, the next quarterl (read full article) |
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| Category :: Personal Finance Articles |
Author :: Cheryl Johnson |
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| Article Title :: Save Money on your Clothing Budget. Tame the Closet Monster! |
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| Reducing the clothing budget was a serious challenge for me. Two pre-teen girls and a teenage girl certainly didn’t make life any easier. My son wasn’t much of a challenge. Thank goodness, he’s not “fashion conscious”.The girls on the other hand were greatly disappointed in the new methods of clothing acquisition. Freebies, thrift stores, yard sales, consignment shops, and clearance items weren't exactly their style.I found that changing the way I approached them on the subject made things a little easier. For instance we don’t buy “used” clothing. We buy “previously owned, unwanted, or gently worn” clothing.I strongly believe that kno (read full article) |
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| Category :: Personal Finance Articles |
Author :: Cheryl Johnson |
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| Article Title :: Budgeting your Savings - Did You Let Your Piggy Bank Get Away? |
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| I think most of us have at some point in our lives. Some how we forget to feed the little piggy. And, like most neglected “pets”, your piggy bank will disappear if you don’t feed it. A personal budget is important to create financial independence and setting goals for feeding that “piggy bank” should be an important part of your budget!The most successful financial plans allow you to INVEST IN YOURSELF! It just makes good sense. A plan to build financial security should always be considered essential to any budget.Even if you’re on a plan to reduce debt, you need to include plans to build a foundation for future financial security. A good savings routine (read full article) |
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| Category :: Personal Finance Articles |
Author :: Cheryl Johnson |
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| Article Title :: Budget Planning - It's Elementary My Dear Watson |
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| Does it feel like you have to be Sherlock Holmes to solve the mystery behind balancing your personal budget? Are you living a mysterious thriller where your realization of "financial independence and security" is a vicious repeating cycle of debt? Don’t be afraid…...Somehow you’ve ended up lost in the “plastic zone”.
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The "plastic zone" is a scary place. But you’re not alone. There are millions of people today living the same mysterious life in the plastic zone. Remember green money? You know, that green paper with presidents proudly displayed on them. They have virtually disappeared from the “plastic zone.” Is real Money a foreign object to you? Is the bal (read full article) |
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| Category :: Personal Finance Articles |
Author :: Cheryl Johnson |
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| Article Title :: More Money? My Cup Runneth Over...But I'm Still Thirsty |
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| Most of us, especially those of us who have debtor’s disease (if you have it you know what it is!), have commented or at least thought, “If I could just win the lottery, or sweepstakes, everything would be better.” Unfortunately, even if that big dream did come true things probably would get worse instead of better.It’s a strange phenomenon. It seems the more money you have, the more you need. It makes perfect sense. Given more money, most people would increase their standard of living. My question is, “If you haven’t properly managed the money you have now, how do you expect that you’ll be able to properly manage two, three, four, five or hundreds of thousands t (read full article) |
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| Category :: Personal Finance Articles |
Author :: Abdallah Khamis Abdallah |
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| Article Title :: How to Draw a Personal Budget that Works |
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| Many people spend their little income haphazardly without any planning and end up getting broke before month-end. They then borrow to make ends meet and end up with more problems that they fail to repay their debts promptly.However, this is not a prudent way of managing your personal financial affairs. Planning your personal financial affairs through prioritization of needs and budgeting income and expenses is the best way to achieving success in managing your financial affairs.It is important first to assess your financial needs in the short, medium and long term. What are your financial objectives? What do you want to achieve in the course of time? Do you have any targe (read full article) |
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| Category :: Personal Finance Articles |
Author :: Matthew Clement |
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| Article Title :: 5 Ways to Absolutely Destroy Your Finances! |
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| Ben Stein has a book called How to Ruin Your Finances. To be honest, I’m not sure an entire book is needed on the subject—there are some fairly quick and easy ways to accomplish the task. (Before continuing, let me be clear that I do not actually recommend such activities—This is a reductio absurdum argument, meant to spur an opposing realization.)#1: Buy everything, yes, everythingYou never know when a neighbor may come over to use your dish towels, so make sure they are Ralph Lauren, less than six months old, and all the same color. While you’re at it, buy things that you don’t need now, but may need in the future, such as eleven new sweaters, a top-of-the-line t (read full article) |
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