You read a lot about managing debt these days as if somehow it’s a complicated business but that there are various strategies you can adopt to manage your money better. For most people whose debts aren’t beyond the point of no return, it all boils down to managing your money better. You can manage your money better with a few simple tips. But how do you actually do this – and where’s the best place to start? Manage Your Money By Taking Control The first step to take in taking control of your finances is to look at where your money goes and … [Read more...] about Manage Your Money Better
The excitement of homeownership is often countered by the burden of long-term debt. Imagining life in 30 years, still forking out hundreds or thousands of dollars each month, can be an overwhelming thought. Each loan has unique terms, but most allow a few options for homeowners to save money on the total cost of a mortgage. Pay Extra Toward the Principal The most common strategy to save money on a mortgage is to pay it off ahead of schedule. This technique allows owners to avoid a great deal of the cost of interest and shorten the life of … [Read more...] about Tips to Save Money on a Mortgage
Whether you heard it from your insurance agent, an investment specialist or your own mother, you probably know that life insurance is a good thing to have. Despite that being the case, many people still have the question, how does life insurance work? Individuals have a vague understanding that money will be paid if someone dies, but things like whole life insurance policies complicate the matter. Understanding Term Life Insurance Probably the most common type of policy, term life insurance covers a predefined period of time. The policy owner … [Read more...] about Understanding the Basics of Life Insurance
When it comes to financial dealings, it is rather difficult to maintain extreme levels of honesty. Honesty plays a significant role in efficiently handling personal finances. This is true with women and money. A healthy and productive relationship, whether professional or personal, can only be maintained as long as there is truth and honesty in all dealings. If not timely dealt with, your financial dealings may cause severe credit problems. The views and actions of men greatly differ from those of women and money. The … [Read more...] about Top 8 Reasons Women Are More Honest Than Men With Money
The following is a guest post from Briana Myricks who writes at her blog, How's Married Life? High school teachers emphasize preparing for the real world, but in reality, how many of the things you learned in high school do you use today? Has The Scarlet Letter been mentioned at any time outside of a classroom? Do you utilize your US history lessons when it’s not an election year? Besides knowing what H20 means, what elements do you remember from chemistry class? Part of a valuable high school education should include things you will … [Read more...] about Personal Finance Lessons That Should Be Taught In High School
Let’s face it. Times are hard for everyone. So, now is the time to focus on energy savings. You need to have a hand firmly on the tiller of your respective businesses is essential as we try to navigate these storm-tossed waters. As a result, we are all trying to make to make savings wherever and whenever we can to keep our head above water. Of course there are steps you can take to ensure that you reduce costs on your business energy and garner energy savings. The whole process begins with common sense and perhaps an … [Read more...] about How To Switch On To Energy Savings
The world we live in now is fast paced. It can be all too easy to think that everything needs to be done by yesterday. If you’re thinking about sending a parcel overseas you’re going to find that there is an almost limitless range of options available, with almost as many different services as there are couriers. Unless you already know your way around the world of international courier services, finding the best option for your parcel can be tricky. Gaining a better grasp of the international courier costs and the differences between the … [Read more...] about An Easy Guide to International Courier Costs
The winter is drawing in, although after the wettest summer since records began, you could be forgiven for thinking that winter never truly left us! Offices across the land are turning their heating back on and looking for air conditioning options without raising costs and affecting their bottom lines. And, if you are a manager you’ll need to make sure that your office temperature is appropriate. The government-run Health and Safety Executive recommends a minimum temperature of 16 degrees Celsius. Obviously this temperature may be different … [Read more...] about Air Conditioning Options for Offices without Extra Expenditures
You may have heard ‘logbook loans’ mentioned in the last few years, perhaps through TV adverts or online. A logbook loan is a short term financial solution which allows you to borrow money and use your car as collateral (the same way you could use your home to get a secured loan). In order to qualify for a logbook loan, there are certain conditions that you must meet: Your car must be registered in your name, and yours alone. This stops people from using cars that are not legally theirs in order to secure loans. You will also need to … [Read more...] about How Can Your Logbook Earn You Money?
This is a guest post from Emily Guy Birken who writes at One Money Design. Now seems like the perfect time for investors to get started in the landlord business. The housing market is still recovering, which means that home prices are reasonable, interest rates are low, and rents tend to be relatively high. Under these circumstances, buying a rental property seems like a no-brainer. However, owning an investment rental property is not all about pushing wheelbarrows of passive income to the bank. Being a landlord comes with many risks-and just … [Read more...] about Are You Ready to Invest in a Rental Property?