Term: budgeting
23 found

How to Make a Budget From Scratch

By Steven Shaw on 7/2/2013

make a budget

The difference between people who are financially secure and those who are not often comes down to one thing: Whether or not they make a budget — and stick to it. Of course, there are many other factors, but that is a consistent one. Not only does budgeting lead to security, but it also can play a role in helping you pay off debt and raising your credit score over time.

budgeting
Debt
pay off credit cards
Payday loans
personal finance

22 Things Every 22-Year-Old Should Know About Finances

By Steven Shaw on 5/30/2013
22yearold-featured

Inspired by Glamour’s popular “30 Things Every Woman Should Have And Know By The Time She’s 30,” we decided to put together our own list, on 22 things every bright-eyed 22 year-old-college grad should know about money.

By 22, you should have:

401(k)
budgeting
credit cards
credit report
credit score
money management
mutual funds
Roth IRA
student loans

Don’t Let Your Vacation Wreck Your Credit

By Steven Shaw on 5/29/2013

Don't Let Vacation Wreck Credit

Summer vacations are supposed to be care-free and enjoyable. The most perplexing challenge we want to be faced with is: “Should I wear my sandals or my flip-flops today?”

budgeting
credit cards
credit score
vacation

How Fast Should You Cut Your Debt?

By Steven Shaw on 5/15/2013

How Fast Should You Cut Your Debt?

Unfortunately, there is no quick fix to eliminate debt. Not only does it take patience, time and diligence, but also a clear understanding of why we get ourselves into debt in the first place. Was it that our wants were greater than our means? Was it thinking we could pay down our debt, only to realize after our bills, we had nothing left over? Determining how fast we can and should eliminate debt starts with a few simple steps.

budgeting
Debt
debt vs savings
managing debt

5 Ways Buying a Home Can Hurt Your Credit

By Steven Shaw on 5/14/2013

5 Ways That Buying a Home Can Hurt Your Credit

I remember when I bought my first house. It was a great feeling of pride to be standing in a place that I owned, that I could call my home. Aside from being a place to rejuvenate from your busy day while you spend time with your family, a home is also a key step toward building a financial nest egg that you will rely on for years to come.

budgeting
credit score
mortgages

The Future of Credit Cards

By Steve Ely on 5/8/2013

Interesting article on the changing habits of consumers regarding credit cards.  Our customers are leaning more towards the use of Prepaid Debit Cards, because it gives them the discipline of managing their cash flow without going over the balance available on the card.  You can't spend it, if you don't have it!

credit cards
budgeting

3 Ways to Save Big on Mother’s Day Gifts

By Steven Shaw on 5/6/2013

How to Save Money on the Most Popular Mother's Day Gifts

If you’re on a budget, you can still find ways to show Mom you appreciate her without breaking the bank. Two of the most requested gifts are flowers and spa days, according to the Shoppers Trend Report from RetailMeNot.com, the largest digital coupon website in the U.S. Gift certificates or gift cards are also likely to be a popular gift this year according to industry research firm IBISWorld, which predicts consumers will spend about $17.1 billion on Mother’s Day gifts this year.

Here are tips for making the money you spend on these popular gifts for Mom stretch as far as possible.

budgeting
mother's day
personal finance

The Key to Saving: Track Your Spending

By Steven Shaw on 4/22/2013

The Power of Tracking Your Spending

Can something that takes as little as five minutes a day change your financial life? Absolutely, say the proponents of that so-often-recommended piece of financial advice: track your spending. They believe it can be the key to a wealthier life, and research shows it may make you healthier as well.

There’s no doubt that tracking what you are spending can help you get a better handle on where you spend your money. The insights you gain — I spent how much on that? — may prompt you to curb your behavior in order to achieve your bigger financial goals.

Spring Cleaning: How to Organize Your Finances

By Steven Shaw on 4/11/2013

Spring Cleaning: How to Organize Your Finances

Spring has traditionally been a time for cleaning our homes and clearing away the clutter that has accumulated throughout the winter. It’s a satisfying approach to the season because it gives us the feeling of starting fresh. There’s no better way to put a spring in your step (no pun intended) than by freeing yourself of unnecessary messes.

And that is true for your finances as well. So why not embrace the concept of a financial spring cleaning this year? Below, we’ll look at ways you can organize your financial life to make sure the rest of your year is as peaceful and prosperous as you’d like.

budgeting
Debt
personal finance

4 Ways to Avoid the Holiday Credit Hangover

By Steven Shaw on 1/3/2013

The past couple of weeks have been filled with holiday parties and eggnog and turkey and gifts and good cheer. If you are like most people, you might have reached for an extra serving of turkey or grabbed an extra cookie when no one was looking. But now that the indulgence is over, something else is about to strike: the holiday credit hangover.

Pay Off Debts
Retail Store Credit Card
"credit score"
budgeting
credit
Credit Card Debt
credit cards
Debt
Extra Money