Personal Finance & Budgeting

Crimes Against Our Stomachs

Personal Finance Budgeting — Sun, 02 Nov 2008 16:53:48 +0000

This is a question we need to seriously think about. It’s fun to eat out with co-workers, but can our budget handle it? Following the group could be part of the problem that is siphoning our hard earned money each payday.

No one wants to be left out. Eating lunch together is a way to bond away from the office. Besides it’s only six dollars, right?

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The Secret of Growing Rich

Personal Finance Budgeting — Fri, 17 Oct 2008 16:53:45 +0000

Some people spend and some people save. Why is that? Our attitudes and thinking about money determine our spending habits. Changing the way you spend requires an attitude adjustment.

How do you view money? We learn from an early age about money. We watch our parents and how they handle the money that they make. Some may have had very little because Mom and Dad were low wage earners. Some had a lot of money because Mom and Dad had good jobs.

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Profits In Your Child’s Piggy Bank

Personal Finance Budgeting — Thu, 02 Oct 2008 16:52:19 +0000

When your child’s piggy bank or other money collecting device gets full, it may be time to open an account at the bank. A bank account allows children to keep track of money they have saved more easily. Here are some types of savings accounts that parents may want to consider.

A savings account can be started as soon as a child has money to put in one. Choose a day when you both have some free time and make a trip to your local branch of the bank. Talk to a teller or bank associate about starting an account for your child.

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Improve Your Bank Balance In 30 Minutes

Personal Finance Budgeting — Wed, 17 Sep 2008 16:43:38 +0000

Have you ever written a check for something that you knew you didn’t have the money for? People do that more than you think. They play the game of ìrobbing Peter to pay Paulî. This is a common practice that can lead to debt and bad money management.

When you take a job, you are given a salary. The salary only changes if you get a promotion. For those that work an hourly wage, the amount of your check changes if you work more or less hours each week. Despite our paychecks being fairly consistent, people continue to spend more money than they earn.

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Do You Do Any Embarrassing Things?

Personal Finance Budgeting — Tue, 02 Sep 2008 16:43:35 +0000

No one wants to go into debt. We try to avoid it if we can, but we fall into the traps of credit cards and delayed payment specials so easily. Curbing our spending requires discipline and an honest effort.

As consumers, we have to learn to live within our means. This is more than having enough money in a paycheck to pay our bills. Financial security is having something in a savings account and money left over from our paychecks to use in an emergency if we need it.

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5 Ways Your Kids Can Make a Fortune

Personal Finance Budgeting — Sun, 17 Aug 2008 16:43:32 +0000

Kids are enterprising people. When they need more money, they will actually ask what they can do. Teach your children the value of a dollar earned with these five tips for them to make money.

1. Find work around the house. These additional jobs do not have to include their usual chores. Resist creating a job just for them to make the money. This is the same as opening your wallet and handing the cash over to them. Examine what already needs to be done and choose an age-appropriate task.

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Thousands Have This Priceless Gift

Personal Finance Budgeting — Sat, 02 Aug 2008 16:43:29 +0000

We all could use some help when it comes to saving money. That odd trip to the store for a sweater that results in a new wardrobe, or a trip to buy a new phone and we walk out with a phone, an answering machine, and a digital camera.

These things happen, but adopting some frugal spending tips can make saving instead of impulse spending the norm.

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Right & Wrong Buying Habits - Little

Personal Finance Budgeting — Thu, 17 Jul 2008 16:43:27 +0000

Children are such precious little beings. They add that special something to our lives. But when they start to complain about wanting everything under the sun, we can’t imagine what that ’something’ is. Here are some tips for parents who are dealing with, or want to avoid, this classic syndrome that can affect children.

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6 Critical Reasons For Your Personal Finance Budgeting

Personal Finance Budgeting — Wed, 02 Jul 2008 10:18:31 +0000

A budget is a spending plan. It is your single best tool for knowing where your money is going and how much you have to work with. Of course, just the mention of the word budget can send even the most structured and organized person running for the hills. A budget, however, has several tremendous benefits. Among them are:

#1: A budget makes it easy to save and have extra money.

By tracking your expenses and income and controlling how much you spend on variable expenses, you will quite likely find that you have more money than you thought you needed.

What are you going to do with that extra money?

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Budgeting Doesn’t Have to Be Difficult

Personal Finance Budgeting — Tue, 17 Jun 2008 15:57:08 +0000

Do you equate family finance with tax law? Does it seem like an overwhelming concept to develop a budget you can live with? If this applies to you, take heart - budgeting doesn’t have to be rocket science! Here are five tips to make creating a realistic budget easy:

Tip #1: Think positively about your money.

Money, and budgets, are not bad things. In fact money is wonderful!

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