June is National Pet Preparedness month and as we all know the expenses of owning a pet add up quickly. Keep your pet budget on the right path with these money saving tips. Look for pet food and treats online. All online pet stores and even many online grocery stores sell pet food. They offer tons of brands for all types of diets and many … Continue reading How are You Saving for National Pet Preparedness Month?
The 401(k) may well be the best investment tool ever for building long-term wealth, and many people don’t take advantage of it. Is it time to take a second look at your 401(k)? Here are six ways you can maximize your retirement savings starting right now — even if your plan only offers a few investment options. You’ll be amazed by the difference it can … Continue reading Getting The Most From Your 401(k)
“[Graduates in debt] start out with an anchor that slows their progression toward future goals,” Ernie Almonte, chair of the AICPA’s National CPA Financial Literacy Commission, said in a statement. 41% of the more than 200 people (according to a survey from the American Institute of CPAs) said they have delayed saving for retirement, 40% have put off buying cars, and 29% have postponed home … Continue reading Don’t Let Student Loan Debt Delay You from Buying a House
If you’re graduating from college, congratulations! Here’s a free graduation gift: six smart money moves for graduates. Choose Your Job Carefully – If you’ve chosen your career, remember that a lower-paying job in your field is likely to be a better deal in the long run than a higher-paying job in a field you have no long-term interest in. Accepting a job in an unrelated … Continue reading Say Goodbye to the Broke College Student, and Hello to the Budgeting Graduate
Guess what…studies show that NOBODY has money saved for a rainy day. Even those making the big bucks would be in big trouble if they were to hit a financial snag – a broken down car, a period of unemployment, etc. Truth is, unexpected expenses (often emergencies) are a lead reason people end up with debt. If they do not have the money stashed away, the … Continue reading Rainy Day Savings…Anyone?
It’s that time of year again for the big Resolution. While it’s no secret that few actually follow through with their resolutions, would money incentives motivate you more to reach your set goal? Two apps attempt to help users do this through making a bet – where your money is literally put on the line to accomplish a certain goal. See if they are for … Continue reading Would you bet on your New Year’s resolution?
In today’s economy, it is not uncommon for young people to live paycheck-to-paycheck.Scrambling every month to make rent and car payments, many find it hard to think forward 40 years about retiring, much less saving for retirement. There is never an “easy” time to start saving, but it gets easier on you if you start early. Although understandable, putting off saving for retirement is one … Continue reading Saving for retirement when you are young
Planning and saving for retirement are among the most important aspects of personal finance. After working hard for the majority of adult life, most look forward to winding down and enjoying a comfortable lifestyle during retirement. While more people are aware of the importance of saving ahead for your retirement, there are still two general mistakes that can be costly down the road: 1. Not … Continue reading Two costly misconceptions in retirement planning
There are a bunch of apps for that! Here are a couple of top-rated aps for managing your money, paying your bills, and saving for your goals – oh, and they’re FREE: Bills, budget and other basics Mint – This is currently the highest-ranked personal financial management smartphone app. Grouping all aspects of your financial life in one place, the app lets you track your … Continue reading Manage money on-the-go with your smartphone
No matter your age, occupation, or status, it is important to know about credit cards and the effects they can have on your finances. Yes, credit cards are convenient with their “buy now – pay later” incentive, but without careful use they could spiral you into debt! According to an article from Fox Business, there are six important lessons you should learn before obtaining your … Continue reading Six Important Lessons to Know About Credit