If you are working with a tight budget, you might be looking for ways to save. Unfortunately, buying some products on the cheap might end up costing you more in the long run. Here are four things you shouldn’t feel guilty about splurging on, so you can stick with your financial plan and still enjoy the best.
Where You Shouldn’t Skimp Even If You’re on a Tight Budget Read More »
If you find yourself always short on funds, it doesn’t necessarily mean you’re not making enough money. The real cause might be poor money management skills, such as living without a budget or not tracking your spending closely enough, or paying too many penalties and late fees. With discipline and proper money habits, it’s possible to turn your finances around and never deal with penalty fees again.
6 Tips To Improve Your Money Management Skills Read More »
Many people are struggling financially perhaps due to a lack of work experience, working part-time while attending college classes or simply the overall economy. Younger families may also be paying student loans or have other expenses to contend with.
Affordable beach rent on a Budget With these and other factors in mind, you may have your heart set on a beach location but also be focused on trying to find an affordable place to live.
Is Beach Rental Affordable on a Budget? Read More »
Many women today are hoping to have a natural birth so they can be comfortable as they welcome their new baby into the world. Natural births have many advantages, but it is important for you to take the time to prepare for one. Preparing beforehand can help you save a lot of money and below is a list of tips that can help you prepare for a natural birth and stay money smart.
Five Tips to Plan for a Natural Birth Read More »
It is not easy to save money, especially when providing for a large family. Lots of kids means lots of driving, activities, and doctors’ visits. Fortunately, there are ways that big families can reduce their spending. Below is a list of tips that will help as you get started on a budget.
Frugal Tips for Large Families Read More »
If you find it difficult to sleep because of debt problems, then here are a few tips to help you reduce your debt load. Learning to cut back and still live well while staying within your budget, is really the best way to eliminate your debt. Reducing your debt before things get too out of hand will also save money in excessive interest payments to the collection agencies. Living within budget may not be the most fun lifestyle, but it is certainly a financially sensible one. Plus it will allow you to sleep well at night and if you put your mind to it you can still enjoy life without spending a fortune.
4 Tips to Avoid a Call from a Collection Agency Read More »
Buying a house is probably one of the biggest decisions you will make, so it’s important to understand what you’re getting into. Suppose you live in British Columbia and have spoken to a custom home builder in Vancouver and you have determined the cost of your dream home. Some builders work with specific banks to help arrange your mortgage while others leave finding the mortgage up to you.
Although it may seem easier to go with the mortgage provided by the builder, you have to look carefully at the terms of the proposed mortgage. This is probably the largest purchase of your life so don’t be afraid to ask your builder and/or mortgage broker questions before you sign on the dotted line. Often the builder will “get a cut” which may increase the cost of your mortgage by 1% or more, which could add up to thousands of dollars over the life of the mortgage, so it pays to compare. A few minutes of diligence could result in the highest paid moments of your life! If you know what you’re looking at and have a good understanding of your mortgage contract, you will avoid making a costly mistake.
Financial Freedom: What you Need to Know About Your Mortgage Read More »
Everyone has dreamed of getting a “windfall” of some sort at one time or another. At first, getting a lot of money can feel like a tremendous boon. But, without the right money management skills many people find that their settlements become exhausted far too quickly.
What to Do if You Get a “Windfall” Read More »
Going to court to receive damages for a personal injury lawsuit seems almost American these days. If you have been injured, you expect the guilty party that caused your injury to legally compensate your pain, suffering, or disfigurement in some fashion or other. But is going to court all it is cracked up to be? Will the injured party truly come out ahead? Here are some factors to consider before jumping feet first into taking someone to court for a personal injury claim.
Will a Court Case Cost or Save You Money? Read More »
Once your kids start driving, the idea of getting their own car may become a major issue in your house. And this of course brings up other issues. You may want them driving an older vehicle for fear they might damage a brand new one. Alternatively, if you can muster the means, you may want them driving a newer car or truck because it is safer and more reliable. Either way, the issue of saving money to finance the new ride and which vehicle you are be able to afford will have a huge impact on what you choose. Here are some tips on how to save for the vehicle your family needs.
Paying for a New Vehicle Read More »
Being overwhelmed by finances is never good, but we all know the feeling. Creating a budget is a good place to start, but if you don’t know the truth about different kinds of debt it will be hard to know what you’re getting into. Before you get in debt, you should know what types there are and how to avoid them if possible.
The Three Different Kinds of Debt and How to Avoid Them Read More »
Buying a home is probably the largest purchase you will ever make. Home ownership can be one of the most valuable investments or one of the biggest liabilities you will ever have. So it’s important that you really consider every aspect before buying, so that once it’s yours, it becomes a great asset for you and your family. Obviously you want your property to build equity over the years so when you decide to sell, there will be a profit.
Improving Your Home’s Value Read More »
