(5.00 out of 5) (5.00 out of 5) (5.00 out of 5) (5.00 out of 5) (5.00 out of 5) (5.00 out of 5) (5.00 out of 5) (5.00 out of 5) (5.00 out of 5)
(4.80 out of 5)Credit card and finance computations can make your head spin, we have developed common calculators to assist you.
Random Word:
Household income refers to the total income, before taxes and other deductions... ...more
When my husband and I started on our new financial journey, we were hesitant at first, and then we became very enthusiastic about saving money and finding new ways to manage our money. After a few months, though, we started to slide back into our old ways. We weren’t keeping track of our spending like we should, we stopped checking our account balances, and we made a late payment. We learned that although managing our finances was easier after making some changes, we still had to be diligent about sticking to our new ways of doing things.
It’s important to realise that no one is perfect, especially when it comes to finances. Everyone makes mistakes. But we had to learn that there’s a difference between making an honest mistake and doing something just because that’s what we’re used to doing. We knew what we needed to do. We just didn’t do it. …continue…
28th May 2009 at 4:44 pm
(3 Votes, Average: 3.67 out of 5)
Loading ...When my husband and I finally put together a financial plan that worked well, I thought we were done. Now all we had to do was continue to balance the checkbook, save some money every month, and pay our bills on time. It didn’t take us long to figure out that this was not the case. Our finances are constantly changing, and we need to adjust our plans to stay on top of our financial situation.
One of the biggest parts of a financial plan is the spending and saving plan (budget). This can change quite often, depending on your situation. You might decide to start saving for a big ticket item, drop your health club membership, cut back on grocery costs, or increase your monthly payment to a credit card. All these changes need to be reflected in your budget. It’s always a good idea to review your budget at least every two or three months so you can try to come up with ideas on how to lower your costs for each of the categories. …learn more…
26th May 2009 at 8:23 pm
(2 Votes, Average: 3.50 out of 5) Loading ...Deciding to get ourselves out of the financial disaster we had created was one of the greatest decisions my husband and I have made. It was not easy, and we stumbled along the way, but all the hard work was worth it.
As you’re improving your finance situation, make sure you give yourself credit for everything you do. Some of your changes will be small, and you might not think that they will mean anything, but all your improvements combined will make a huge difference. …read on…
25th May 2009 at 5:35 pm
(2 Votes, Average: 4.50 out of 5) Loading ...“We can’t go out to eat because we can’t afford it.” “I won’t be able to buy new shoes because we can’t afford it.” Have you ever said anything like this? I have. Plenty of times. Usually when we say we can’t afford something, we’re trying to look like some kind of martyr or get someone to feel sorry for us. We’re a victim.
This is not the way to dig yourself out of financial troubles! A “woe is me” attitude will never get you very far. I know because I tried it for a long time. As soon as you allow yourself to believe you’re a victim, you relinquish your control over the situation. When you face the challenge head on and do everything you can to make it better, you’ll be a winner. …read more…
20th May 2009 at 8:06 pm
(4 Votes, Average: 4.50 out of 5) Loading ...Something I have discovered since my husband and I started straightening out our finances is that my attitude has a lot to do with how I handle money. It’s easy for your attitude to turn sour when your finances are a wreck. As soon as you realise you have a bad attitude towards your finances and saving money, you need to do everything you can to turn it around.
When we first started our new financial life, I was pathetic. I complained about how we didn’t have enough money to do anything fun. I said things like, “I hate being poor.” I moped around when a friend bought something new and I knew I couldn’t have one, too. It took me awhile to figure out that my negative thoughts were keeping me from contributing to our financial goals. …continue…
20th May 2009 at 5:05 pm
(3 Votes, Average: 4.00 out of 5) Loading ...Have you ever been in a public place where kids are totally out of control? They cry and scream because they’re tired or not getting what they want. These tantrums are hard to take – for both the parents and anyone else in close range. I startled myself one day when I was a witness to one of these scenes. I realised that sometimes I acted like one of those kids.
Before my husband and I got our spending under control, I had a mental temper tantrum whenever I thought I couldn’t get what I wanted. I had all kinds of thoughts running through my mind. “I need this!” “I want this!” “I deserve this!” And like most of the parents you see with screaming kids, I would give in to the whining. I would buy whatever it was that I wanted, even when I knew that my credit cards were dangerously close to their limits and that we would be having a tough time making ends meet that month. …continue…
19th May 2009 at 1:53 pm
(3 Votes, Average: 3.67 out of 5) Loading ...