If you are on a budget or looking to get on one, tracking your finances plays a major role in how successful your budget will be. A personal finance spreadsheet is a great way to keep track of your expenses and income. By using an Excel spreadsheet you can easily keep track of how much you make and how much you spend each month.One of the advantages of personal finance spreadsheets is you can easily alter them to work with your budget. In the...more
Since the global economy crisis in 2008, millions of Americans are carrying heavy financial burden on their shoulder. For people who have no idea how to consolidate their multiple debts, they are encouraged to look for non profit debt assistance. Here is the step by step guide on how to look for genuine non profit organizations. First thing first, you are advised to get yourself well prepared with your latest credit report. If you...more
WHY WORK ONLINE?The "last in, first out" policy is usually what corporations and a lot of industries follow in dismissing or laying-off their employees. Today, people talk a lot about the global financial crisis and its adverse effects on our economy. "Working online" are words not included in most previous editions of dictionaries and it is only recently that these words have become familiar in everyday language. With the ongoing recession, you have lost your "comfort zone" feeling which you always had and maintained with a job. By making money at home online, as an alternative or substitute for a job, you can benefit in many ways. What is your plan B for unemployment if you lose your job? What if it's your turn to get laid-off with a pink slip next time? Or, what if your company decides to fold up and close its doors? Searching for employment is out of the question, since jobs are scarce nationwide and 30 million Americans are already out of work. WHAT ARE THE ADVANTAGES OF ONLINE EMPLOYMENT?- Online employment work can be quick and easy. If you are efficient and meet deadlines in submitting your assignments, you are guaranteed continuous work from home. - When you work at home,...more
Most of the people find it difficult to tackle with their mounting debts. The most common reason, why people are facing such troubles in managing their finances is the lack of planning. People tend to take up loans, whenever they need money. Whether the requirement is for short term or a longer period, they try to resolve their cash...more
Economic distress, foreclosures and bankruptcies around ever turn, these are the times Americans are facing daily. Thanks to President Obama's stimulus package and the bailouts set forth in late 2008 many creditors are beginning to be more flexible and allowing people to settle their debts. But the creditors are not the only ones...more
Understanding and staying within the limits of one's financial capabilities is a beneficial practice to cultivate. This, however, is something many people fail to consider. Even in these economically troubled times, people are as likely to overspend. This then generally leads to an accumulation of bills and debts. People are eager to avoid it, and those who are already in such a situation are looking into debt settlement programs. Reliable, effective means to promote debt settlement are greatly needed to resolve such problems.An individual with more than one debt may set about in taking care of his financial affairs by ordering all his debts according to their importance and gravity. Paying for the required amount on a mortgage or rent, or balances on some other necessity, such as electric bills for instance, would usually require a considerable amount of attention. If these debts are from monetary loans, credit or store cards, it would be advisable to order these by placing those with the highest interest rate on top. Setting up a budget plan wherein an individual can afford to clearly see and asses the amount of money he has collected at the end of a...more
Why Cash Gifting Should Scare You to DeathOr at least make the hair on the back of your neck stand on edge. Youll have to excuse me; Ive apparently been living under a rock and had no idea what the entire fuse was about. I came across cash gifting...more
There is nothing like the reassuring heat on a cold winter day from a wood burning stove. The actual cracking and snap of the wood the way it catches fire along with the relaxing aroma from the coffee pot simmering on the stovetop. Wood...more
Have you heard the stories of several successful women in the business world? A huge majority of these women managed to get on top and stay on top because they started with the basics effectively managing their own personal finances. These women...more
Aside from excessive reliance on credit, another reason why the number of indebted people in the United States dramatically increases over the years is because people often find it difficult to save up. As financial and debt experts will tell you,...more
The economic crisis is giving birth to debt settlement companies all over the country. With stimulus money flowing from the government, companies are more willing to hedge their losses and take a settlement on your unsecured debt. Debt...more
If you are like most consumers in today's economy are looking for ways to reduce your debt and become debt free. Debt reduction and settlement has gained growing popularity with the release of Obama's stimulus package to financial...more