Personal Finance
More Money Than Month? How to Stick to Your Budget
So you’ve gone through the hard work of making a budget, written down your expenses and your income and made a plan for your spending.
However, sometimes the hardest part of budgeting is sticking to your plan. You might have the intention of cutting down your spending and putting money in your savings, but if you don’t stick to this plan it will not happen.
Here are a few tips that will help you stick to your budget and meet your goals:
Read MoreCommon Credit Card Myths Debunked
Although credit cards have been used since the 1960s, there are several untrue myths which still persist about them in society.
Understanding the truth behind these common myths will help you to use your credit card more effectively.
Read MoreClever Ways to Cut Your Food Bill Down
When it comes to saving money, there are a few things that you can’t cut back on too much because you need them to survive, such as clothing, shelter and food.
You can take the bus to work and not buy a big screen TV, but you will not live very long if you don’t eat!
However, buying food doesn’t have to be as expensive as you might think.
If you wince in horror everything you take out your wallet at the supermarket, there are many ways that you can cut down your food bill while still eating healthy and tasty meals.
Read MoreHow to Still Be Social Even When You Are Saving
Many people have the idea that being frugal and saving your money means that you have to lead a boring life of sitting at home making budgets, counting pennies and staring at the wall.
However, this is absolutely not true. If you are saving for a financial goal or to pay off debt it doesn’t mean that you need to cut out your social life completely!
Although going out for drinks, meals and shopping with your friends is very expensive, there are other ways to spend time with the people you love without needing to splurge.
Read MoreHow to Make Your Retirement Savings Grow As Fast as Possible
Have you started saving for your retirement? When you are young it might seem like a long way away, but in order to save enough money to stop working the earlier you start, the better.
But what if you want to make your retirement savings grow faster and perhaps retire a few years earlier?
Here are some tips that will help you accelerate towards your goal:
Read MoreDon’t Make These Financial Mistakes When Buying a Home
Owning a home is a very important milestone in life and for most people it is the largest purchase that they will ever make.
Many first time home buyers are so eager to move into their new property that they overlook the fine print and details and make some mistakes.
Buying a home is a complicated process and there are many things to keep in mind when you are making these important decisions.
Here are a few financial mistakes to avoid when buying your home:
Read MoreHouse on Fire! Easy Tips to Save You Money on Home Insurance
Earthquakes, windstorms, rain damage, flooding, falling trees, vandalism, burglary… there are many things which could possibly happen to cause damage to your home.
This is why homeowner’s insurance is important, so that you can be protected in these unfortunate events.
However, home insurance doesn’t have to be as expensive as you might think.
There are a few ways that you can reduce the cost of this insurance and protect your home for less.
Read MoreTips for Saving Money on Life Insurance
If you were to die tomorrow, would your spouse and your children have enough money to take care of themselves?
Life insurance is designed to help provide financial security to your loved ones after you pass away. The policy will cover your funeral costs, as well as setting aside money for your family to support them after you are gone.
Life insurance is especially important if you are the main breadwinner for the family.
Read MoreAre You Sabotaging Your Own Budget?
You’ve tried to make a budget and stick to it, recording your expenses and income on a spreadsheet and keeping track of your spending. However, you still seem to always end up with more month than money.
Where does it all go and what are you missing?
Budgets are not easy to keep and there are many things that you could be doing which are unintentionally ruining your best laid plans. Here are a few of the top things which can get in the way of your goal to save money:
Read MoreSmart Ways to Use Your Tax Refund
If you are expecting a large tax refund this year, what will you do with it?
It might be tempting to spend this large windfall on shopping, eating out and other fun things.
However, a tax refund is also an opportunity to gain some financial headway and set you up in a better situation for the future.
Here are a few smart ways to use your tax refund this year:
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