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Future: Perfect!

by Krantcents · 2 comments

Post image for Future: Perfect!

My future is perfect for me! In English, we use future perfect tense to talk about actions that will be finished before some point in the future. In my case, it is less than three (3) years away. My future is certain, however the duration is not! I planned for thirty (30) years in retirement just in case I am right! I plan to have a perfect retirement, would you like to know how? Read More…

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Post image for 25 Money Savings Tips for Everyone

These are 25 money saving tips, I use daily/weekly/monthly and they work!  I learned at a very early age that I needed to save my money to get the things I wanted.  Notice, I said the things I wanted.  My parents provided the things I needed!  Previously, I wrote “10 Changes Can Make Millions” and I thought I would share some more.  Start making changes today and you can start saving for what you want too. Read More…

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Post image for What is Personal Finance?

Personal finance is the financial management which an individual or a family unit is required to do to obtain, budget, save, and spend monetary resources over time, taking into account various financial risks and future life events. Simply said, it is your plan to make, spend and invest money as it relates to you. How will you achieve your financial goals? Read More…

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Post image for Don’t Shoot the Messenger

In earlier times, the messenger delivered bad news! Don’t blame the person who tells you bad news. Too often, the person delivering bad news is blamed for the news. For many years, I was the messenger! I was the Chief Financial Officer who said profit margins were decreasing or some other performance indicator. As a personal finance blogger, is it my fault you make bad choices?  Read More…

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How to Start Saving

by Krantcents · 17 comments

Post image for How to Start Saving

You can start saving today! Can you put aside $10 per day? If you start saving $10 per day at twenty-two (22) years old, you will be a millionaire in forty (40) years. Can you save more? Everyone thinks they can wait until they are earning more money. Is waiting a mistake? Should wait because you have student loans? You know it is important, but you don’t have any money left to save. What can you do? Read More…

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Post image for Financial Discipline equals Happiness

Financial discipline equals happiness! Yes, I am talking about self discipline. Do you have self discipline when it comes to your personal finances? Do you spend money you do not have? Do you take responsibility for your actions? Do you have a budget? Do you save for retirement? Do you pay your bills on time? Almost all financial problems are a result of lack of self discipline. Read More…

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Post image for Keeping your Credit Score in line

Your credit score is a number. But it is a very important number. It could stand between you and that house you’ve been wanting to buy, the car you want to rent for a holiday or any sort of dream purchase you’ve been pining for. However it’s nothing but a number. So keeping it stable and around the same place, or even increasing it, is paramount. Read More…

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Post image for Taking a Loan vs Saving to Start Up a Business

Starting your own business is the dream of entrepreneurs all across the world. Everyone talks and considers starting their own business, but it takes serious guts to actually go out and do it. There are so many things that can potentially go wrong, and the fear of failure scares some from the potential success. There are countless different ways to fund your business, such as taking a loan, or saving up. It’s important to weigh the positives and negatives of each. Read More…

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Post image for College Confessions: How College Students Save

The cost of attending college has skyrocketed since the early 1980s. For both public and private not-for-profit institutions, tuition has escalated more than 2.5x from the year 1980. Where the average cost of a public university in 1980 was $5,938 annually, it is now more than $14,000 annually. This spike has far exceeded the rate of inflation. Read More…

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Post image for Manage your money competently to stay away from debt dilemmas

Personal finance management is something which requires much of your attention. You just can’t afford to be too casual with finance management as this casual behavior may lead you to serious debt problems. That’s why you must make it a point to take care of your financial obligations and manage debts on time so that you can live a financially stable life. Read More…

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