Beware Of Credit Card Balance Transfer Offers

Credit card companies are at it again. Maybe it’s been happening all along and I just didn’t notice it. That might actually be the point. Opening a letter I received from a major credit card company I was disgusted at what I read. I have no problem taking advantage of a 0% interest offer if diligent payments are made to ensure NO interest is paid. But what I saw exposed credit card companies for what I know they are, financial predators. What I received was a balance transfer offer letter. It suggested that it would be a great idea to […] Read more »

How to keep your debt levels in check while attending college

The student loans debt is always growing on an annual basis across the US. Whereas this might be a good sign that we are having more young people getting educated in institutions of higher learning, there is a flip side to the growth in the student loan debt. The downside of it is based on the fact that the more debt you accumulate while still in college, the more financial burden you will have when you graduate. This may lead you to the distressful path of living from hand to mouth; with any surplus income being swallowed into debt repayment, […] Read more »

Balance Your Budget: Ways to Save Money and Pay Down Debt at the Same Time

Managing your finances can sometimes feel like a difficult balancing act where you have to decide between paying off some debt or putting a bit of money away into savings, but there are some ways to do both rather than choosing one or the other. Here is a look at ways to balance your budget and put yourself in a better financial position. The starting point is creating a basic budget, afterward, it is about hatching a viable debt reduction and savings plan. You can also find out which comes first, clearing your debts or putting money away into savings, […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 4/21

The methods needed to be successful in achieving a goal always seem to draw parallels to each other, no matter what the subject.  Being a gym rat and an exercise freak, I commonly compare physical fitness to financial fitness.  You can’t workout hard every single day, your body just can’t handle it for long stretches of time.  Eventually you need to take a day off, or at least have an easy workout to give your body a break.  With financial fitness, you can’t spend a lot of money every single weekend.  Your budget just cannot handle it.  Last weekend was […] Read more »

What Is the Difference Between Short-term Loans and Logbook Loans?

Capitalism has wrecked us all; that’s a fact of life we may never escape! Families suffer constantly from financial instability due to economic changes; and, in most cases, their monthly salaries cannot cover their needed expenses. Due to such culminations of financial difficulties, many have resolved to seek financial assistance. Consumers who deal with a lot of financial downfalls tend to suffer from poor credit history. In order to reach out to traditional sources for a loan, like banking services, you must conform to certain measures concerning credit history; leaving those with bad credit history with no alternatives. Yet, the […] Read more »

5 Things That Could Affect Next Year’s Taxes

Tomorrow is the day your 2016 tax returns are due. They have to be filed electronically or post marked or you will likely face a fine from the IRS. For many of us, the 2016 tax season may be behind us, but now is the perfect time to be thinking about 2017. If you owed money to the government with your tax return now is the time to take action to change the outcome of next year’s tax season. Here are 5 things you may do during 2017 that will have an effect on your taxes: Part-Time Jobs My wife’s […] Read more »

The Most Common Tax Mistakes

If you haven’t noticed already, the collection arm of the U.S. Treasury is more present in our lives than ever. The IRS has the ability to verify every return you file.  Much of the scrutiny is done by super computers, so an audit may never be necessary for your mistake to be discovered. Do not mess with the IRS—they shoot first, ask questions later. Here are some tax mistakes of which the IRS is already aware: Focus on the mundane details. Fairly simple mistakes look like this: Wrong social security number, failing to file on time, typographical errors, failing to […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 4/14

My daughter turns 15 today!  She’s looking forward to getting her driver’s permit, although to me it just doesn’t seem like she should be able to get behind the wheel of a car.  I guess that’s going to take some getting used to.  The good news is that with a learner’s permit our insurance doesn’t go up.  I’ve got another year before I have two teenagers on my car insurance. Fist pump for birthdays, and my favorite posts of the week! Posts That Make Me Fist Pump Are You Afraid to Spend Money? from MoneyNing How to Be Content with […] Read more »

How Business Insurance Can Save You from Accumulating Debt

Royalty Free Photo When you look into the various business insurance options here in the state of California, the first thing that business owners tend to think about is the cost of the policy. They can be pretty expensive, and it can be hard to see it as anything other than a negative. But did you know that by having business insurance you can actually help to protect your business from accumulating debt? Let’s take a closer look. What is Business Insurance? In order to understand how it can actually save you money to have insurance, you first need to […] Read more »

Which Is Less Expensive, Buying or Leasing a Car?

Automobile owners may be unknowingly wasting thousands of dollars making the wrong choice when getting a new vehicle.  Maybe you’re included in this group.   Many people purchase a vehicle with the thought that they will keep it long past the life of the loan, saving money by not having a car payment for those years.   Unfortunately, the facts suggest this is not what really happens. Let’s look at some national statistics regarding car ownership: The typical length of a new car loan is getting longer. In 2015, it reached an all time high of 67 months. That means that the […] Read more »

15 Ways to Trim your Monthly Budget

Who wouldn’t like some extra money in their pocket every month? There are several ways that you can earn extra money, like getting a part-time job on the weekends, but most people don’t want to do that. Luckily, there are several ways that you can cut down your expenses, which is going to give you a lot more money in your bank account every month. There are dozens and dozens of different ways that you can trim down your budget, most of them are very simple to do, but can make a huge impact on your finances. Buy Generic One […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 4/7

I’m putting together this link post from Florida at about 12:01am.  My limit of vacation length is about 4 days before I really want to get home.  I’m on day 9, so that should tell you a little bit about my current perspective and mood.  I need to get back home to get back to making money, instead of spending money!  How long do you last on vacation before you feel like you’re going to go insane? Fist pump for going home, and for my favorite posts of the week! Posts That Make Me Fist Pump The Psychology of Credit […] Read more »

United Debt Counselors Offers High Quality Debt Settlement Services

United Debt Counselors offers customers debt settlement services. The debt relief company steers away from debt consolidation in an effort to more quickly resolve consumer debt issues. “For many customers, debt consolidation doesn’t offer a legitimate avenue for escaping high-interest credit card debt,” a spokesperson said, “With debt settlement services, we are hoping to provide an additional route for customers who are plagued by unsecured credit card debt. We understand that many Americans are in a position in which they are unable to afford their repayments – we’re here to try and fix that.” Some debt relief companies focus on […] Read more »

Savings Accounts Actually Lose You Money

Making money through investing is hard. That might be surprising to hear but it’s really the truth. As a young child I was taught to put my money into a savings account to earn interest. If I had money I didn’t want to use for a relatively long time I was told to put it in a Certificate of Deposit (CD) to earn a higher interest rate. Some people even buy US Treasury Savings bonds. All of these savings methods earn interest and make it appear as if you have more money, but the fact is a person using these […] Read more »