The Financial Lies We Tell Ourselves

Whether you’ve had to learn to live within a strict budget in the last few years or not, there will undoubtedly be instances where you’ve regretted a spending decision that you’ve made. You may have impulse bought something at the till, only to never use it. You could have shopped at the supermarket on an empty stomach and ended up throwing food away at the end of the week. Whatever your spending crime, it’s likely that it began with a lie that you told yourself. ‘I’ll never find a deal this good again’ Imagine the scenario; you walk into a...

The Impact of Student Loan Debt on Your Credit Score

While college students are in the process of getting an education, usually the main focus that they have is doing whatever is required to earn their degree. And so, if paying for tuition means taking out a student loan, most are willing to do just that. However, being that the average amount of student debt following graduation is around $27,000, before your child does apply for financial aid, it’s a good idea to discuss with them how much student loan debt can actually impact their credit score. The good news is that not all of the ways are negative. Indeed,...

Understanding The Ins and Outs of Business Insurance

When starting your business there are so many considerations to make that quite often insurance doesn’t get as much thought as is needed. Much like home insurance, every business should be covered against eventualities that may arise at any time. However the world of business insurance can be a confusing mine field that is often difficult to navigate if you don’t know specifically what your needs are. So to make it little easier for you, here are the ins and outs of the policies that you should consider to make sure you and your company are covered from the first...

5 Easy Ways for Truck Drivers to Save Money on Fuel

Truck drivers know that fuel costs are rising to astronomical levels. Every time they fill up their 18-wheelers their wallet practically screams. As the cost becomes more and more exorbitant it is making the trucking industry, which relies heavily on fuel, more and more untenable. It used to be easy to get from one part of the country to the other and still make a profit after delivering a load, but with rising costs many truckers are having trouble breaking even and some of them are even claiming losses. You might think it’s a lost cause and perhaps you might...

Will You Spend or Save More Money by Going Green?

Although most people are now aware of looming environmental threats such as global warming, pollution, waste, deforestation, habitat loss, and so on, and many are keen to find ways to reduce their carbon footprint and adopt a greener lifestyle, the truth is that many balk at the prospect of paying more for eco-friendly goods and services, especially in a recession. And while the prices on many products have come down thanks to increased demand and subsequent supply, it cannot be denied that going green can cost a pretty penny. On the other hand, there are plenty of ways that green...

5 Ways for Businesses to Save Money on Web Design Costs

Every business needs a website in today’s tech-obsessed world, but the cost of designing a website can be a major burden for businesses operating under tight budgets. If you need a professional website, but lack the funds to pay for top dollar design work, then you’ll need to get creative. Consider these 5 ways to save money on web design costs for your business. Be Clear About What You Want If you’re working with a designer, it is important to take all the guess work out of the scenario before you begin working on website development. Designers can’t read your...

5 Tips for Getting More Financial Aid for College

There aren’t a ton of people who can pay for all of their college education in cash. Especially being that the average costs of attending a public institution is around $14,000 each year and a private one is about $30,000. So, being that most students rely on some kind of financial aid, it’s always a good idea to know how you can get as much of it for school as you possibly can. If you are preparing to go to college (or you know someone who is) and you would like some tips on how to make financial aid a...

Personal Finance Tips: How Young Adults Can Secure Their Future

In case of imparting personal financial know-how to the young adults, it’s quite unfortunate to see that they aren’t trained well until they become graduates and start off with their professional lives. However, these things do not require dedicated hours of mathematical calculations rather; young adults can acquire sound financial knowledge with a little reading. Personal financial management tips for young adults For starters, they can have a look at the below discussed personal financial tips that are crucial to lead a safe and financially prosperous life. Take charge of your own finances If you fail to become smart with...

Clean Up Your Finances this Summer: Change your Energy Usage

It’s never the wrong time to spruce up your finances – making savings, whatever the time of year, will always be beneficial. Saving a few pounds here and there adds up quicker than you think and cutting back on various aspects of your finances can help massively overall. You may not think that cutting a few quid from your British Gas energy bill or assessing your shopping bill will make much difference but you’d be surprised. In fact, tackling your energy usage alone can be enough for you to see a considerable change over the year. But, how do you...

When Is the Best Time to Start a College Savings Plan for Your Children

It is recommended that you start a college saving plan for your children the very day they are born. By putting a money away in an interest accruing, tax deferred account, by the time your child is 18 and ready to go to college they will have a sizable savings that be put towards not only their tuition, but living expenses as well. College can be expensive for parents and many times it is just not feasible if they have not saved up for a long enough time. Moreover, you don’t want your son and daughter to have to apply...

Why You Should Use Different Credit Cards For Different Purposes

Credit cards are something that borrowers must be very careful with. It is so easy to get carried away with your spending and end up mired down in unmanageable debts. However, if used appropriately, credit cards can offer plenty of opportunity to get more from your money. One of the best ways to make the most of your credit card accounts is to have different cards for different types of purpose. The main reason behind this is that various cards offer different rewards depending on the type of purchases you make. Let’s take a closer look at how this can...

Best Place to Buy Christmas Lights in the Off-season

Many people want to decorate for Christmas but simply cannot afford to. Christmas lights a popular but the costs of purchasing them can add up quickly. The best time to purchase Christmas lights is during the off season. A person can save money on the lights and pass half price or less. There are many places to purchase these lights during the off season. Stores such as the Dollar Tree keep left over Christmas lights on the shelves all year round. They do not order more until the Christmas season but the leftovers will stay on the shelves until they...

5 Toys That Help Teach Kids About Money

As a parent, you might feel that there are many lessons more important in life than those that revolve around money. For example, your first instinct is probably to focus on life skills like getting dressed, tying shoes, and brushing teeth. And academic pursuits like reading and counting are also on the schedule before you send kids off to school. But learning to handle money, while not imperative for toddlers, is certainly going to become more important as they age. And if you teach your children about money when they’re young, the lessons will stick with them into adulthood, helping...

Low Cost Auto Premiums: 5 Tips to Maintain Low Auto Insurance Premiums

There is nothing cheap about owning an automobile, yet just about everyone needs a car to go about their daily routine. Typical expenses associated with owning a car include the monthly payment, auto insurance, repairs, maintenance and registration. And if you manage your family’s finances, you may look for ways to lower your transportation costs. Fortunately, there are practical and simple ways to find affordable car insurance. Lowering your auto insurance premium can free up cash, allowing you to save each month. Here are five tips to help you find low-cost auto insurance. 1. Be loyal Loyalty goes a long...

5 Smartphone Apps to Help You Save Money

At long last, the recession that so deeply gripped the international economy has begun to loosen. Companies everywhere are hiring again, and dedicated employees are no longer being asked to take a pay cut in order to keep their jobs. Things are still tight, though. The overall cost of living is on the rise, while paychecks remain lower than they should be. But the talented and dedicated worker will always find a way to make due. Luckily, technology offers some assistance in the constant work of trying to make ends meet. More than half of all Americans carry smartphones, and...

5 Fun and Free Activities for the Whole Family

Now that spring has sprung across most of America, the opportunities for family fun have expanded significantly. There’s nothing quite like those first beautiful days, when you can step away from your winter hibernation and enjoy the full spectrum of events available within your community. But while you can pack the kids in the car and hit the town, you’ve still got to keep a close eye on the bottom line. Everything is exponentially more expensive when you have a family, and you’ve got to make sure you save on some weekend entertainment, so you can break the bank later...

5 Tips for Maintaining Good Credit

It’s almost impossible to navigate the modern world without using credit. Financial experts may sing the praises of operating completely with cash, to avoid building up debt. And that is one viable option. But how can you possibly run a business that way, keeping tabs on your expenses without enormous effort and hopefully gathering rewards points that lead to gifts and perks? How can you take advantage of online sales, with the deep discounts frequently offered through e-commerce portals? Credit is absolutely necessary, and without it you’ll never be approved for a car lease or a mortgage. But bad credit...

Will Pay-As-You-Drive Auto Insurance Save Your Money?

The economy may still be stuck in a recession, but that doesn’t seem to have any effect on the cost of living. The price of everything you need to run your household on a monthly basis continues to rise, from the gas you pump into your vehicle to the produce you pick through at the supermarket. That makes it incredibly important to find alternatives that save you money on those necessities, hopefully leaving you with a bit extra you can put aside for a rainy day. Insurance is one of these requirements, and people spend an awful lot of time...

How to Manage Your Income in Retirement

When you are retired, you have to make the money you’ve earned in your lifetime work for you. When you are ready to retire it is crucial that you have a budget set up that will let you live the way you want and on your own terms, because you have worked hard and you deserve it. However, it can be difficult to transition between getting a regular income and relying on the money you have in retirement accounts, investments, and savings. There are a number of ways to manage your income so that you can enjoy your retirement without...

The Major Difference between Direct and Indirect Tax

People all over the world have been paying taxes since times immemorial, but many people have never fully understood the taxes that they pay. Millions of people simply accept taxes as a reality in their lives without questioning where the taxes come from, what they go toward, and most important–who pays them. In fact, there are two very distinct varieties of taxation in the world today. On one hand, there are direct taxes; on the other, indirect taxes. These two kinds of taxes are very similar in many ways, but they have an important difference which should be noted. Direct...

5 Ways to Cut Your Auto Insurance Costs

No one particularly enjoys paying for car insurance. But it’s a necessary evil that keeps our roads civil, creates a feeling of responsibility and protects people from physical and financial ruin caused by an automotive accident. There are dozens of reputable insurance providers you could choose from, and all of them spend millions of dollars a year advertising their services, and the benefits they provide over the competition. Proper coverage isn’t cheap in any instance, and they’ll certainly look to get as much money as possible out of every motorist they cover. Your job is to save as much as...