5 Tips to Track Your Money

Tracking your income and expenses is key to creating a logical budget that you can stick to. It also prevents you from missing a bill unexpectedly or not being able to prepare ahead of time for a financial emergency. Here are some steps you can take and tools that you can use to get a handle on your income and expenses…

1. Create an Online Account through Your Bank or Credit Union

income and expenses ID-100266411If you have a savings or checking account through your local bank or credit union, you should give yourself the ability to track that account online. This will allow you to check your balances, pay bills and keep track of when future bills are due from your computer or smartphone. Some banks even allow you to keep track of other information such as the value of your investment account or the balance on your student loans or credit cards. Sometimes, you can even track accounts from other financial institutions. Transferring money between accounts within the same institution generally takes place instantaneously online, which makes it simple to have money where you need when you need it. Although, transferring between [Continue reading]

8 Tips for Saving Money on Your Utility Bill

According to the Consumer Expenditure Survey conducted by the U.S. Bureau of Labor Statistics, the fourth largest   expense in your home is the monthly utility bills. The typical American family spends roughly 11% of their total budget on “Utilities and Other Household Operational Costs.” The only higher expenditures are for your mortgage or rent, taxes and transportation. You actually spend more for utilities than for food, or the total of (Social Security Contributions, Personal Insurance and Pensions), or Healthcare.

Fortunately, there are strategies you can employ that help to reduce the cost of your utilities and free up more of your income. Here are eight tips that you can use today and save money in the months and years to come.

Invest in a Tank-less Water Heater

Utility Bill ManagementHave you ever wondered [Continue reading]

What You Need to Know About Real Estate Investing

Real Estate Investing

Historically, real estate has been one of the most solid investments to consider.  But in 2008 real estate got a huge "Black Eye". Personal and commercial properties can offer excellent opportunities for investors. But as in many things timing is … [Continue reading]

Seven Tricks to Get Your Dream Car

Dream Car

Carpe Diem! Seize the day! You don't have to wait forever to get the dream car you've always wanted. With a few basic steps, you can soon be enjoying the ride of your life. All it takes is a plan and a little perseverance. Follow these tips for … [Continue reading]

5 Simple Steps to Take Control Of Your Financial Future

Your Financial Future

It seems obvious that everyone wants to have a strong stable financial future. But wanting and getting are two different things. Fortunately (or unfortunately as the case may be) the decisions that we make early in life can affect how much wealth we … [Continue reading]

Tax Season Tricks to Get the Best Return

Tax Season

Most people dread tax season. But maximizing your return with a few minor tweaks in the way you file could take a bit of the anxiety out of filing your taxes. Reevaluating your W-4, reconsidering your filing status, and claiming the earned income tax … [Continue reading]

Financial Survival for Seniors

Tips for Finding Better Ways of Financing Your Parent's Final Years

Financial health plays a crucial role in the quality of life for aging Seniors. How we spend these years depends, in a large part, on the financial foundation we lay during our active employment years. Although many people find their resources … [Continue reading]

Four Ways to Maximize your Family Business’ Efficiency

Four Ways to Maximize your Family Business' Efficiency

Today is an exciting time in business, and it's easier than ever to get out there and offer your products and services. However, since the advent of the internet, there's also more competition now than there ever was before. Not only do you have to … [Continue reading]