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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 Home Mortgage, Auto Loan, and Personal Loans
By moneyadvise.com: Before you take out home loan, auto loan, or personal loan, there are a few things you should consider. The first thing you should consider is if you really need the loan in the first place. When you take out a loan, you owe a lending institution money. This means that you need to pay it back over some term of the loan. We all don't have the money up front for major purchases. This is the reason for a loan in the first place. However, consider that you will need to repay the loan no matter how little or how much or how long of a time before the loan is complete.

Financial Planning Basics - Where do I begin?
By n/a: Money problems affect us all, no matter how much or how little we have. That's why financial planning is so important. It's hard to think about the future when pay day is a week away and the checkbook is empty. You can make your money stretch further if you learn to manage it carefully.

10 Personal Finance Mistakes
By Ilyce R. Glink: by Ilyce R. Glink When it comes to money, we all make mistakes. And, surely there are more than ten mistakes to be made. But if you're nimble, you'll not only avoid these mistakes, you'll probably avoid others as well.

The Cost of Credit
By n/a: The cost of credit depends on who you borrow from your credit history, how much you borrow and how long you take to repay it. Credit costs will vary from lender to lender. Before you borrow, compare the costs at several places.

Advantages of Living on a Budget
By n/a: The majority of people today are not living on a personal budget. The availability of credit has allowed people to purchase what they want when they want with little regard to whether or not they can actually afford it. There is little hope that people will change these patterns of behavior in favor of living on a budget until they realize the number of corresponding advantages.

Creating A Budget
By n/a: Many people are not fully convinced that they have a need for a budget. Their reasoning goes something like this. "All I need to do is spend less than I make, and that's just common sense, so why in the world do I need a budget?" If this sounds like something you have said in the past, you probably have a bigger need than you think. Other people fully realize their need, but they simply have no idea where to start. With this in mind let's walk through the basic steps of creating a personal budget.

Avoiding the Credit Card Blues
By n/a: It is all too easy to make purchases when you just have to pull out the "plastic." Easy that is, until all of the monthly bills arrive. Many families use credit to make ends meet and then find it hard if not impossible, to make all the monthly payments. That's when the "credit card blues" set in. If you have trouble just meeting your monthly payments, let it be a warning to you to cut back on credit use. If you have a hard time avoiding impulse buying, leave the credit cards at home. Keeping track of what you charge is another idea. Those purchases add up at the end of the month without you realizing it.

Plan For Savings By Making a Written Plan
By n/a: These guidelines will assure you of a money management plan to fit YOUR special needs. If you follow each step, It will also save you a complicated job of bookkeeping. This guide won't be able to work miracles for you but will help show you the way to get the most out of your money.

Financial Freedom
By Suze Orman: What do you want from your money? College tuition for your kids? A bigger house and a new car? Security when you retire? Wouldn't it be great simply to have enough money so you don't have to worry?

Manage Money Tip
By Jesse Mecham: This little tip helped me manage my money by cutting spending about 60%. Those results are a little skewed because I did this when I was in high school. However, the principle remains the same. What if I told you this little money management tip can easily cut your spending by 10-20% right off the top? It can. No software package can do this for you. There is no purchase necessary. You don't have to worry about needing fancy equipment or even a fancy new catch phrase. You just need to learn how to do this one ridiculously simple thing.

Basics of Investing your Money in Stocks Bonds and Mutual Funds
By moneyadvise.com: Basics of investing your money in stocks bonds and mutual funds If you are looking to start investing money in stocks, bond, and mutual funds, there are a few key concepts that you should become familiarize yourself with before you begin. Before you invest your hard earned money in stocks, bonds, or mutual funds, there are a few things you should know.

Developing a Spending Plan
By n/a: Most people feel no matter what their income, they need more money to meet their expenses. Money may not always be the answer. More important is how you plan and then, actually spend your money.

Stop Living Paycheck to Paycheck -- YouNeedABudget.com
By Jesse Mecham: Only 30% of Americans have stopped living paycheck to paycheck. The other 70% of Americans are one paycheck away from financial disaster. I'm reminded of the movie "It Could Happen to You" (starring Nicholas Cage) when I see this statistic. I think we all know I'm not talking about the fact that this 70% also plays the lottery and might just win it big next Tuesday night.

What Is Cash Flow?
By n/a: Your cash flow is simply the money going into your pocket and out again. It is matching up your income with your expenses. Sounds simple doesn't it? It really is, but very few people take the time to keep track of what actually comes in and goes out each month.

Know Your Net Worth
By n/a: The net worth statement is the best indicator of your financial position at a particular point in time. It will help you determine the progress toward your own financial goals.


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