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 ...
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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 ...
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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 ...
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How Do You Track Your Expenses?
Track your expenses or you will overspend.  The simple answer is you have finite income! It is real easy to spend more money than you earn or have. Whenever I have cash in my pocket, I will spend it! It is one of the reasons I do not carry cash. Contrary to most personal finance gurus, I am much more careful when I use my credit card. How do you ...
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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. ...
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Teach Your College Student the Wonders of Good Credit
Teaching your college-age child about the realities of credit is challenging. When they were young, they thought you knew everything—now, however, they're more apt to think you don't know much of anything. Are they wrong? Yes. Is it important they learn about the good, the bad and the ugly features of credit? Absolutely. ...
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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 ...
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How to Think Rich and Be Rich
You're in your 20s or 30s, you have student debt, you've accumulated some credit card debt and it looks like you'll never be able to buy a home. There is a way to think about money that can help solve these problems. Our thoughts precede actions and actions precede results. So let's start by changing your thoughts. ...
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ATM Skimming – What You Should Know
A Florida man was sentenced to federal prison following his role in an ATM-skimming case. He was found guilty of aggravated identity theft and possession of ATM-skimming paraphernalia. In another case, an Atlanta man was sentenced to 38 months in prison on ATM skimming charges along with restitution of more than $70,000 upon his release. ...
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I Love Other People’s Money!
What is other people’s money? When you buy real estate, you usually get a mortgage which is other people’s money. It is a way of leveraging your down payment in order to buy an asset.  When you borrow money to buy a business, it is other people’s money. Whenever you borrow money to make an investment or financial transaction, you may be using ...
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