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Financial Planning - Personal
Finanical planning involves being proactive about your financial future whether you are 18 years old or 70 years old. Here you can learn about things like planning for retirement, investment planning, and more.
Tips for Choosing a Bank - Bank Account Basics
By moneyadvise.com:
Learn many good tips for choosing a bank. Banking fees and account types are just a few of the considerations for choosing a bank wisely.
Personal Budgeting and Money Saving Tips
By n/a:
In today's world there are very few people who take the time to create a personal budget. Some people do not see the value in doing so; other people simply have no desire to restrict their spending habits. With this in mind, it should surprise no one that the number of personal bankruptcies has reached an all time high. People have reached a point in our society where they buy on impulse with no thoughts to the consequences. In order to reverse this trend people need to become more responsible with their patterns of spending. One of the best tools to help an individual accomplish this behavior is the personal budget.
Comparing Insurance Quotes
By moneyadvise.com:
How do you know that you are getting the best rate when you request an insurance quote? If you compare quotes from more than one insurance company, you need to make sure that your insurance quotes have the same coverage options and deductibles. Changing coverage options and the deductible greatly affects the rate that you receive. Whether you are comparing insurance quotes from more than one company or are dealing with your existing insurance company, here are the top 3 tips in different categories to find the most affordable insurance for your needs.
Making a Start To Get Ahead
By n/a:
Learn to recognize the "triggers" in your surroundings that got your attention and tempted you to buy. Stores often place their merchandise in a location to attract your attention. Temptations can also be people, places, things, or even the mood you are in. Do you find yourself spending more money when you go shopping with a certain friend? Do you spend money when you are feeling "blue"? Learn to control the environment so you can shop wisely.
Practical Money Saving Tips
By n/a:
Initially many people may find it challenging to live on a budget, especially those who are not used to tracking their daily expenditures. When these figures are recorded and added together they often form a total that exceeds the amount of income that they are receiving. When faced with this situation an individual must cut back on their spending. However, this is often easier said than done. With this in mind, we have compiled a list of practical money saving tips that should help you to get back on budget as quickly as possible.
Budgeting Hints
By n/a:
A major advantage of living on a budget is that it relieves a great deal of financially related stress. It's always fun to spend money at the time of purchase but it is not nearly as fun when the bill comes do. When this happens, some people resort to using credit cards to pay of other cards. Other times people pay their bills and then choose to obtain "payday advance loans" to get them through until the next check. Both of these situations cause a viscous cycle of debt and growing interest. A budget can help ensure that an accumulation of debt is prevented and money will be available throughout the entire month.
Future Plans for your Money
By n/a:
It is necessary to take a look into the future and see where you want to be before you can get there. Families set their financial goals based on their values. One family's goal list will be different from another family. A listing of goals could go on and on. It just depends on your family's needs, wants and desires. Included with this lesson is a goal worksheet. It will help you plan your family goals. Now is the time to think about what you want. Take time to write down your goals so you can see what is really important to you and your family what you really do want for your future.
Stopping Spending Leaks
By n/a:
Does your paycheck always seem to run out before the end of the month? Is it possible you could be wasting $10, $15, or $25 or even more a month? If you have answered "YES',then it's time for you to take a look at your spending habits and also those of your family. Take a few minutes to answer these questions with a yes or a no.
Some Spending Guidelines
By n/a:
Spending guideline percentages may be useful as you examine your spending habits. These spending guidelines are for comparison purposes ONLY. They are NOT hard and fast rules. One family may choose to spend forty percent of their income on housing and less on clothing, and transportation. Another may choose to spend more on transportation and less on housing. It's up to you to decide your priorities. These figures are from the Department of Labor Consumer Expenditure Survey. Remember--these show only the average expenditures of surveyed households, NOT the amounts families should spend. You can see housing, food and transportation take about two-thirds of the family budget and about one-third goes for all other expenses. That's where the challenges of money management come in.
How To Talk About Money
By n/a:
Preventing and overcoming money problems takes honest and open communication. It also takes some time and effort. Talking about money is hard. It means more than just discussing the amount of income, who's spending what, and how much things cost.
5 Things That Could Destroy Your Budget
By n/a:
With all of the advantages that are associated with living on a personal budget it is no wonder that many people are beginning to implement this system into their own lives. For a great number of individuals the results over time have been nothing short of amazing. People are beginning to work their way out of debt while at the same time meeting their expenses, and placing money into savings. However, it is important to realize that there are potential pitfalls that may be encountered along the way. If people are aware of these hazards then they are far less likely to be negatively affected by them.
Understanding and Choosing Life Insurance
By Deborah Fowles:
Life insurance needs vary depending on your personal situation. If you have no dependents, you probably don't need life insurance. If you don't generate a significant percentage of your family's income, you may not need life insurance.
Budgeting For Retirement
By n/a:
The process of preparing for retirement presents a bit of a paradox. The longer interest is allowed to accumulate on a sum of money the larger the sum will grow (particularly if additional amounts are added) Consequently, saving for retirement is the most effective when started early in life, but this is the time when people are generally the least interested in doing so. Saving for retirement is the least effective when started later in life, but this is the time when people have the greatest amount of motivation to do so. One of the goals of our web sit is to educate people with the hope of reversing this trend.
Retirement Planning
By n a:
Planning for your retirement doesn't just involve creating a list of all of the classic literature you've been wanting to read. It obviously means planning your finances. This set of articles will help you recognize the issues and concerns of building a healthy retirement fund.
Ten Top Things To Know About 401(k)s
By n a:
If you are unsure about making financial contributions to a 401(k) plan, learn some of the benefits of doing so here. There is much to learn about making your 401(k) work for you as an integral part of your financial planning. You'll find pertinent information here.
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