Before you know it, my friends, the holiday season will be upon us and the deals and savings will abound. With Black Friday falling on November 29 this year, the Black Friday ads are going to release later than usual. While that gives you a breather in October - I mean seriously, who hasn't seen the Christmas decorations and trees out already with the Halloween stuff? - before you know it the sales will be bounced out. I've learned a few things over the years on how to grab the best deals for … [Read more...] about How to Prepare for Black Friday Shopping
Finances and Money
While money cannot buy you happiness, it can sure make life a little easier. If you find yourself in debt, or suddenly go from a two-income family down to one, we have plenty of advice and tips from the experts on how to manage your personal finances. You'll also find ways to save for retirement, teach your children to manage their own banking accounts and credit cards, and much more.
Sick of spending a fortune on bills? If there’s always too much month at the end of your money then things need to change, when you work hard for your wage the last thing you want is money being spent unnecessarily when some simple cutbacks would make saving easy. Here are a few ways you can go about it. Think about your food spend One place most of us will be able to save money- in many cases, significantly- is with food. The majority of us waste too much food where we’re … [Read more...] about Bills Through The Roof? Here’s How You Can Bring Them Down
We have a guest attorney here today to offer you some tips on avoiding bankruptcy. As someone who has "been there done that" while it might seem like a quick fix at the time, there are many downfalls. Hi, I’m David M. Offen, Esq. and I’d like to share with you four ways to avoid bankruptcy, from the perspective of a Philadelphia bankruptcy attorney who has seen it all. 1. Live Within Your Means By far, this is the most problematic area for individuals and for families. We are pitched … [Read more...] about 4 Ways You Can Steer Clear of Bankruptcy
Sometimes, when an emergency situation comes up, you need to find some cash fast. It might be that you need to pay for home renovations, pay down some debts, or help out a relative in need. People often resort to borrowing in these situations but that isn’t the only way and it’s not the most sensible choice in most cases. Before you do that, you should look into your other options. These are some of the best ways to raise some quick cash. Release Equity From Your Home This is … [Read more...] about 4 Ways to Get Quick Cash In An Emergency
Having bad credit, simply means that you are less likely to repay a loan. Credit scores range from 300-850. The higher the number the more likely that you will repay. For your credit score to be considered bad, the general idea is that anything under 650 is bad and anything above that is good. This does vary from lender to lender, so it depends on who you are using. If you have bad credit though, then you’ll probably find it trickier to get accepted by loan providers. So, the next step is … [Read more...] about How To Get a Loan When You Have Bad Credit
Losing your job can be a debilitating experience. You may feel as though nothing is going your way and that things will never be the same again. This is simply not the case, and when you start looking to the future, you’ll soon find that there are much bigger and better things on the horizon. Your Financial Situation If you have recently lost your job then the first thing that you need to do is find out what is going to happen to your retirement plan. This will largely depend on the … [Read more...] about Here’s What You Need To Do When You Lose Your Job
Image by Pexels from Pixabay The casino industry is constantly evolving. With new technology becoming available all the time, it’s no surprise that the casino industry is making the most of this and adapting its services to provide their players the best experience possible, whilst also offering better services. With online casinos becoming more popular, it’s no surprise that people have started to enjoy playing casino games more as it’s a lot more convenient. The Rise of the … [Read more...] about How Casinos and Online Gambling Have Evolved
When it comes to financial habits, budgeting, saving, and setting important goals are all well and good. However, mostly they look at the money that we spend actively. Modern life tends to be a little more complex with that, with many of our transactions being done automatically. As such, it’s important to have a “money day” once a month that looks at where your money is going without you actively spending it. Here, we’re going to look at what you should do with your money day. The Danger … [Read more...] about Why You Should Have a “Money Day” Every Month
Having a family, a home, a job, friends, and a social life, can take up a lot of your time, and a whole heap of your money. So being able to look for some ways to save, especially on the everyday ‘must haves’ is a really good idea. When you’re able to do this, it can free up some disposable income, and mean more money to pay off debts, as well as more money for your family. It is a pretty general statement, but most people know that budgeting and being able to make some smart choices with … [Read more...] about Frugal Living and Saving on the Must Haves
We tend to only come into the ownership of a home after many years of working hard, saving up our money, and searching for the right place to buy. But there are other ways to come into homeownership, too. Take inheriting, for example, during which you’ll end up with a piece of property, but the process of acquiring it will be completely different. You won’t have sunk any capital into the home. You won’t have worked for it. You won’t have chosen it. Yet, it’s yours. So what are your options if … [Read more...] about So You’ve Inherited a House, Now What?
It's only natural that we find ourselves in a financial rut at some point in our lives. After all, unless you have endless money to burn, it is inevitable that expenses will catch up with you sooner or later. It's important to remember though that your current financial situation doesn’t have to be permanent. As long as you follow the right steps, financial freedom is only a short time away. So, if you are ready to improve your money state once and for all, here is what you will need to … [Read more...] about How to Get Yourself Out of a Financial Rut
Most people have debt in one form or another. The problem is, while debt is easy to get into, it can be a tricky thing to get out of. The time between realizing that your debt is out of control and actually clearing it is full of hard work. No matter what sort of debt you’re in, it can take months, years, and sometimes even decades to get rid of it. There is no one-size-fits-all solution for erasing your financial problems, but tactics do exist which make paying off debt quicker and a lot less … [Read more...] about Surefire Ways to Get Out of Debt Faster