Savings is one of the most important personal finance steps. We need to save money to protect our financial situation. It also helps us make better financial decisions.
Reinforce your relationships and save money at the same time with these 6 Valentine’s Day tips. You don’t have to break the bank to show your partner that you love him/her. According to the National Retail Federation, Americans are expecting to spend $20 Billion this year during Valentine’s Day with an average of $161.96 per person. … Read more 6 Valentine’s Day Tips To Save Money This Year
Instead of receiving cash this year, you might have received a Visa gift card from a friend or family member, and now you’re wondering what to do with it.
When we receive gift cards, we don’t necessarily want to use it. A lot of times we need cash for whatever reason.
In this article, you will learn how to get cash for a visa gift card. Some of these ways takes some time, but others can sell visa gift cards online instantly.
The two most common resolutions for the New Year are going to the gym and starting a diet. Can you guess how many people are including financial New Year’s resolutions in their list?
In the U.S., out of all Americans that plan to have a resolutions list, only 27% of them plan to improve their finances.
When 78% of Americans live paycheck to paycheck, it is scary to see so many people that don’t plan to do anything about their finances this year.
Christmas shopping can get out of control very quickly and easily. That is why you need a financial recovery plan to fix the potential financial mistakes you have done.
Sometimes things don’t go as planned, or you don’t have the luxury of time. So you end up making decisions on the fly that will have a direct impact on your finances.
If this is a good summary of your Christmas this year, you are going to be alright. But, now it is time to come up with your financial recovery plan.
Per World Economic Forum, Americans are spending more than $1 trillion on Christmas.
Knowing how to calculate your savings rate is one of the first steps in your journey to financial freedom. More and more millennials want to achieve financial freedom because they don’t see themselves working their entire life until retiring.
The formula to calculate your savings rate is straight forward. Savings / Income = Savings Rate Percentage. In other words, it is equal to your savings divided by your income.
However, defining savings and income is more complicated than what most people anticipate. There are a few nuances that can lead you to create a false savings rate calculator.
Answer this financial assessment questionnaire truthfully for your score to reflect your current financial situation. Don’t lie to yourself! Only you can see the results of your answers. There are a total of 28 questions with 9 categories: Debt Budgeting Savings Credit score Retirement Investing Tax Other Just think about it Financial Assessment Questionnaire -8 … Read more Financial Assessment Questionnaire
If you are looking for massive sales and great deals, don’t look any further. Black Friday vs Cyber Monday are two of the best shopping days of the year.
Before digging into the differences, let’s make sure to know when the dates are. Black Friday is always a day after Thanksgiving, and Cyber Monday is always four days after Thanksgiving.
Deep down, we all know that saving money is crucial for our financial well-being. But how and where to start? These tips for how to save money will not only work, but they will have a minimal impact on your current lifestyle.
It is no secret that the majority of Americans are living paycheck to paycheck. However, more and more young adults are looking for ways to save money fast and effectively.
Nobody wants to get into a situation where things get tough, and paying for their monthly expenses becomes challenging.
Where to start if I need help with my finances? What is a financial coach? How to find a financial coach near me? If you want answers, don’t look any further. I’m a California-based financial coach that works with clients all around the United States. My goal is to help you start your financial journey … Read more Financial Coach Near Me – Your Journey Starts Here
How many times did you find a gift card and ask yourself if there was money in it or if it was still valid? Too many times right! Don’t worry, your pain stops here. We are going to tell you how to check your gift card balance from the top 16 most popular cards. Aside … Read more How To Check Any Gift Card Balance Easily
Christmas is all about family and sharing a great moment together. But it also a lot of expenses. However, there are many ways to save on Christmas.
The good news is that you don’t need to spend too much in order to have a great time. And the last thing we want you to do is to take on credit card debt for Christmas.
That is why, we decided to write this article to share with you our 9 great ways to save on Christmas this year!
Guest Post by Linda Richardson – 7 smart ways to build a passive income stream
Linda Richardson is a financial content writer based in New Jersey and a perennial student with an ongoing interest in learning new things. She uses her curiosity, connected with knowledge as a financial writer, to write about valuable lessons for small businesses. You can find her on Twitter and Facebook. She is currently a financial writer for Credit Card Consolidation Debt.
Saving money doesn’t have to be boring. Take a look at my selection of the best weekly savings challenges to help you make more out of your money and have fun at the same time.
Keep in mind that you have the power over your money, not the other way around.
The most important rule is to not spend more money than what you receive as your income. A great exercise is to look into your monthly expenses. Most people focus on nonessential expenses during this exercise, but you can save a lot of money on utilities. The most common utilities are electricity, water, and gas. … Read more Top 21 Ways To Save Money On Utilities
Things we can’t predict are hard to visualize. Yet, financial recessions are inevitable. So how to prepare for the next recession and why should we think about it now?
A recession can cause permanent financial damage for people who are living paycheck to paycheck. Millions of Americans have suffered and are still recovering from the Great Recession.
I personally like to read financial quotes to get inspired, take a step back, and check if I’m still heading in the right direction.
The key to your financial journey success is to find a way to keep your motivation over time. It won’t be easy every day going through ups and downs.
We’ve all heard about the Federal Reserve announcing an interest rate cut. But we might not know what it means for our finances.
In this article, we go over how an interest rate cut can affect our daily lives. And how we can take advantage of interest rates to save money faster.
Learn about our 11 best ways to avoid bank fees, so you never pay another dime for a free service!
Banks make a lot of money charging fees that range from $1 to $35 to their clients. Even if they don’t seem expensive individually, accumulating them will affect your savings in the long run.
An emergency fund is money that you put aside to cover unexpected expenses. It is one of the best financial safety nets someone can have. However, you need to be careful where you keep your emergency fund savings.
You don’t want to act irrationally when those events arise. And you’ll need to access your emergency cash reserve as soon as an unexpected expense comes your way. That is why you need to have a plan.