Budget Planning - Its Elementary My Dear Watson

Does it feel like you have to be Sherlock Holmes to solve the mystery behind balancing your personal budget? Are you living a mysterious thriller where your realization of "financial independence and security" is a vicious repeating cycle of debt? Don't be afraid?...Somehow you've ended up lost in the "plastic zone". ' The "plastic zone" is a scary place. But you're not alone. There are millions of people today living the same mysterious life in the plastic zone. Remember green money? You know, that green paper with presidents proudly displayed on them. They have virtually disappeared from the "plastic zone." Is real Money a foreign object to you? Is the balance of your checking account mysteriously stuck at Zero? It's time to solve the mystery.

You don't have to be a financial wizard to solve this mystery. And you certainly don't have to be Sherlock Holmes. You see it really is an elementary concept. If you ask any elementary school student they'll tell you that you can't take 10 from 5. There can be no negative integers in this equation. Simply put, you can't spend more than you have! You have to fit your "living" within your "means."

For most of us living in the plastic zone, this means making some serious changes in our spending habits. It seems an impossible feat to reduce debt while still building a foundation for your financial security and independence. It Can Be Done! And it is "elementary my dear Watson!"

KNOW WHERE YOUR MONEY GOES!

~The first step is to realize where your money goes. How are you spending it? This requires a little recording keeping but is not difficult. Simply write down every purchase you make, that is not a monthly bill, for at least a week. This includes every check, debit, credit card, and cash transaction made (if married, your spouse must do this also). When finished sort these into appropriate categories to plug into your budget later. For example; dining out, lunch at work, groceries, coffee, gasoline, snacks, well you get the idea.

~Second lets tackle that debt. The monkey on your back will always insist on being fed until you take control of your money and say NO MORE! Make a commitment to stop using the credit. You must make a decision to invest in yourself from now on. Not the credit card companies. Take control by knowing what you owe , what you're paying, and how much it is costing you. Make a list. Include Creditors Name, Amount Owed, Interest Rate, Current Minimum Monthly Payment.

Add up all of your current minimum monthly payments. This is your monthly debt reduction payment for the life of the debt. You will pay this consistent amount each month until the debt is paid in full. Roll down freed up monies from one creditor to the next as accounts are paid. For example: your list of payments include a visa you must currently pay $80 per month. You will make that $80 payment regardless of the minimum due (unless for some reason the payment goes up) until the debt is paid. When it is paid you will take that $80 and apply to another creditors monthly payment. This is the secret to paying them off before you die! And, still have time to enjoy a debt free lifestyle.

~Next, you have to write down regular monthly expenses. Things like the mortgage, cable, phone, electric, car payment,. Any expense that you pay every month. Insurance payments can be included if you pay monthly payments instead of a lump sum. Some of these expenses may not be the same each month ( like the electric bill). You should figure an average monthly amount for these. If your provider offers a budget plan where your payment can be a consistent amount each month, this makes budgeting these bills much easier. So do it!

~Now figure in the variable expenses. These are things like car maintenance, home maintenance, property taxes, income taxes, insurance's that are not paid monthly, pet care (vet bills, and medicines), your family's medical expenses (physician co-pays, deductibles, prescriptions (or prescription co-pays). Go through your financial records and write down every expense you can find that did not occur on a regular monthly basis. When you're done, add the total amounts for the year, divide by twelve, and this will give you an estimate of what you should be setting aside each month to budget these expenses. This is a variable expense monthly allowance to be included in your budget as a monthly expense. You set aside this amount each month (maybe in a savings or second checking account).

This is one of the most important steps in the budgeting process. The one step that most of us forget to do. The biggest budget busters are these "unexpected expenses". They're not really unexpected. Most of us just have a tendency to treat them as if they are unexpected. You don't plan for them. Consequently you will not be financially prepared when they need to be taken care of. You know that the car and home require some level of maintenance, but do you actually have a plan to pay for that expense? Or, when the hot water heater goes up, will you be forced to resort to the help of the credit card companies. This is what they hope you will do. Of course the property taxes have to be paid. Will you have the payment when it is due?

To reduce debt and maintain a successful budget you have to plan for these "variables". If not, you will inevitably use the credit cards to bail out and you'll be defeating yourself. The variable expense allowance in your monthly budget will allow you save for these expenses and will be your defense against creating more debt. This is an essential step in building financial security, investing in yourself, and remaining debt free.

~ Set a reasonable amount for your monthly savings allowance. This will be an emergency fund that can bail you out in case of tragic circumstances such as a serious illness or unemployment. Start with 10-15 % of your income and cut back to as little as 5% if you need to balance the budget. But, do save something! Anything is better than nothing. If you have to start small, as your finances improve, you should increase your savings allowance to reach at least 10% of your income.

Of course, once you have all of these figures in place you may find that you don't have enough money to cover all the expenses. You not alone. I was amazed at how much more I was spending than I was earning. It finally made sense to me why I couldn't get ahead. Why my debt kept increasing no matter how hard I tried to budget. This is when you have to start eliminating unnecessary spending, trimming down expenses by using some money saving strategies, or possibly considering an extra income.

It isn't always an easy process. It depends on how much of your spending is "unnecessary", how much you're paying out for debt, and how much you want to be free from debt and financially independent.

One things certain, if you take control of your money, and are committed to living debt free, you will find success. If you just keep doing what you're doing, things will not change, but will inevitably get worse. You will continue to invest in credit card companies, spending money that you don't actually have, and don't have a plan to pay back.

So start with a good spending plan that cuts out unnecessary spending, reduces monthly bills and expenses to the bare minimum, and eliminates credit card use. Save money in every area of your budget. Remember, $10 a month doesn't sound like a lot. But, a savings of $10 per month is $120 per year that you can apply somewhere else in the budget.

Every dollar you free up helps bring the budget into balance. Helps you live within your means. Don't spend more than you have. It doesn't get any more elementary than that!

Good Luck and Success! Live Debt Free to Be Free. You Deserve It!

Cheryl Johnson is a mother of four helping herself and others become and stay debt free. Publisher of Simple Debt Free Living at http://www.simpledebtfreeliving.com - A self-help plan, ideas, and resources for debt management, household budget planning, frugal and debt free living. Money saving tips for groceries, bills, clothing, weddings, gifts, and much more. A money saving tip a day keeps the credit card away!

In The News:

Powerful Personal Finance Habits To Save More  GoodreturnsIt is very essential for everyone to save some money by following certain strict habits which will promote one to spend less. One can follow any of the ...
Personal Finance Queries For The Day (22-04-2019)  Outlook IndiaPersonal finance queries responded by industry & subject-matter experts.
Personal finance: what changed in the last five years  YourStoryThe 16th Lok Sabha is nearing the end of its five-year term. It was an action-filled term where quite a lot changed for the common man. Money-wise, things have ...
Spotlight: Personal Finance Gets a New Spin with Money Crashers  Small Business TrendsPersonal finance advice site, Money Crashers, aims to give you the resources and insights from experts you need to make the most of your finances.
Personal Finance Queries For The Day (15-04-2019)  Outlook IndiaPersonal finance queries responded by industry & subject-matter experts.
Personal Finance Queries For The Day (01-04-2019)  Outlook IndiaPersonal finance queries responded by industry & subject-matter experts.
7 Most Powerful Personal Finance Habits You Need to Implement Right Now  Inc.With good personal finance habits, you can cut costs, spend in ways that help your bottom line, and learn a sense of control over your money.
4 Tips for Choosing a Business Partner | Smart Change: Personal Finance  Helena Independent RecordNeed help running your business? Here's how to vet your options.
6 Personal Finance Trends That Should Worry All Americans  Business WireAICPA experts provide tips on how to address 6 worrisome personal finance trends.
Financial year 2020 and personal finance  CNBCTV18The weeks have turned into months and the months have turned into a whole year, and here we are, saying farewell to FY19 and saying hello to FY20. So as a ...
10 Books That Will Help You Solve Your Financial Problems  TIMEWith advice on everything from filing your taxes to paying off student loans, these books can help you get a handle on your money.
5 essential personal finance tips that may help you save lots of money  The Financial ExpressMany of us tend to delay the process of managing our finances, but this pushes the benefits of compound interest away from us.
First Personal Financial Services Reduces Stake in Deere & Company (DE)  Finance DailyFirst Personal Financial Services lowered its holdings in shares of Deere & Company (NYSE:DE) by 8.5% during the first quarter, according to the company in its ...
5 Ways to Lower the Cost of Retirement | Smart Change: Personal Finance  Helena Independent RecordRetirement is an exciting period of life to look forward to, but it can also be an expensive one. In fact, nearly half of older households wind up spending more ...
5 Personal Finance YouTube Channels to Help You Manage Your Money  MakeUseOfDo you need to start managing your money better? Then these personal finance YouTube channels will help you get started.
First Personal Financial Services Has $407,000 Holdings in BlackRock, Inc. (BLK)  Finance DailyFirst Personal Financial Services lessened its stake in BlackRock, Inc. (NYSE:BLK) by 6.7% in the first quarter, according to the company in its most recent 13F ...
First Personal Financial Services Acquires 54 Shares of Intuit Inc. (INTU)  Finance DailyFirst Personal Financial Services grew its holdings in Intuit Inc. (NASDAQ:INTU) by 2.4% in the 1st quarter, according to the company in its most recent Form 13F ...
Vanguard Energy ETF (VDE) Position Lowered by First Personal Financial Services  Finance DailyFirst Personal Financial Services lessened its position in shares of Vanguard Energy ETF (NYSEARCA:VDE) by 7.3% in the 1st quarter, according to the ...
There is a savings crisis and many Americans don't know how to fix it. Here's how  CNBCPolicy experts, economists, business people and teachers are debating the extent to which personal finance education can turn around the fact that so many ...
How the personal finance company SoFi is catering to millennials  CNBCMillennial online lender SoFi is launching two new zero-fee exchange-traded funds. SoFi CEO Anthony Noto joins 'Squawk on the Street' to discuss the ...
CEA's Kevin Hassett talks personal finance and retirement  CNBCMore than half of adults are either somewhat more confident (30 percent) or much more confident (27 percent) about their ability to save for retirement than they ...
Personal Finance Queries For The Day (25-03-2019)  Outlook IndiaPersonal finance queries responded by industry & subject-matter experts.
Weekend catchup — this week’s personal finance headlines  Financial TimesApple is to enter the credit card market in partnership with Goldman Sachs. The Apple Card will be integrated into the Apple Pay *service* on iPhones, as well as ...
A threat to payday lenders: Personal finance classes  CNBCRequiring high school students to take a personal finance course reduces their likelihood of taking out expensive payday loans. That's the takeaway from a study ...
Why banks are giving up RIA licences, and the chance to give you investment advice  Moneycontrol.comThe RBI wanted banks to separate their distribution and investment advisory businesses. Most banks want to focus on distribution.
3 Economists Share Their Personal Retirement Strategies — and Their Biggest Money Mistakes  MONEYHow to people who really know money save for retirement? 3 professional economists share their personal retirement strategies.
9 changes that impact your financial plan for FY2019-20  Economic TimesYour financial planning for the new financial year, i.e., 2019-20 should take into account all the changes in the personal finance landscape that come into effect ...
Is tracking social media to catch tax evaders a breach of privacy?  LivemintThe I-T department is planning to revamp its data collection methods under Project Insight. One of its data sources will be social media, where it will flag a ...
A Foolish Take: Is Inflation Coming Back? | Smart Change: Personal Finance  Twin Falls Times-NewsA big jump in March looks ominous, but should investors worry?
Nutrien Ltd (NTR) Holdings Trimmed by First Personal Financial Services  Finance DailyFirst Personal Financial Services cut its stake in shares of Nutrien Ltd (NYSE:NTR) by 12.2% during the 1st quarter, according to the company in its most recent ...
7 Money-Saving Tricks That Actually Work | Smart Change: Personal Finance  Helena Independent RecordIf your retirement savings are not where they should be, put some of these simple strategies to work.
In Personal Finance on Saturday April 20  Independent OnlineYour weekly guide to managing your money, in Saturday newspapers around the country.
Voya Recognizes 100 Best W!se High Schools Teaching Personal Finance  Business WireVoya Financial, Inc. (NYSE: VOYA), has announced that its nonprofit partner Working in Support of Education (W!se) has released its ranking of the 201.
First Personal Financial Services Sells 468 Shares of ANSYS, Inc. (ANSS)  Finance DailyFirst Personal Financial Services decreased its position in ANSYS, Inc. (NASDAQ:ANSS) by 1.6% in the 1st quarter, according to the company in its most recent ...
Harvard Economics Department Holds Inaugural Personal Finance Workshop Series | News  Harvard CrimsonStudents concentrating in a variety of fields gathered in Harvard Hall for the Economics Department's first session of its four-part inaugural Personal Finance ...
Global Personal Finance App Market 2019 Growth Opportunities - Intuit, Personal Capital, Lampo Licensing, Wally Yachts  Mick TimesA recent study titled Global Personal Finance App Market 2018 by Manufacturers, Regions, Type and Application, Forecast to 2023 by MarketAndResearch.biz ...
3 Smart Money Habits College Grads Are Upholding | Smart Change: Personal Finance  Journal TimesThough college graduates are statistically likely to outearn their nongraduate counterparts, many diploma holders inevitably come to regret the decision to ...
The Best iPhone Budget Apps To Get Your Finances In Check  Refinery29We take a look at some of the most innovative apps that can help you further your financial goals without having to do much more than open up your phone.
Lifehacker Is Hiring a Personal Finance Writer  LifehackerDo you have a black belt in salary negotiation? Are you in possession of more airline miles than everyone you know combined? Would your opinions on student ...
Best Budget Apps and Personal Finance Tools for 2019  FinextraKeeping track of your budget is easier than ever in 2019, thanks to the various tools that have arri...
Social Security: 15 Things You Can Do Online | Smart Change: Personal Finance  Helena Independent RecordYou can do more through a "my Social Security" account, or via the Social Security website, than you probably realize.
New funding values personal finance app Fintonic at €160m  Fintech FuturesSpanish personal finance app Fintonic is now valued at €160 million following a €19 million investment round, Jane Connolly reports.
How does term life insurance work? Buy early and lock in a low rate  Business InsiderExperts agree the best choice for simple and cheap life insurance coverage is term life insurance. The earlier you buy it, the cheaper it will be.
6 Disturbing Personal Finance Trends Americans Should Be Aware Of  The Motley FoolThese statistics are worrisome, but if you're mindful about the financial choices you make, you can avoid falling victim to them.
When a Possible President Was Your Personal Finance Guru  OZYElizabeth Warren predicted the Great Recession and called out big banks before it became popular.
NatWest set to trial new personal finance app Mimo  IBS IntelligenceNatwest is all set to trial its personal finance application called Mimo, in the first week of this month. The supplier states that the app has been designed to assist ...
3 Personal Finance Habits That Will Help You Retire Rich  The Motley FoolYou don't have to be rich now to be able to retire wealthy.
The Indie Personal Finance Bestseller List  BTWThe American Booksellers Association's specialty bestseller lists provide a current snapshot of what's selling in indie bookstores nationwide.
Personal Finance Daily: An Earth Day game plan to banish plastic from your life and where the 2020 candidates stand on student debt and college affordability  ForexTV.comPrevious: On staff following orders, Trump says: 'Nobody disobeys me' · Next: Hanover Bancorp, Inc. Reports First Quarter 2019 Results Highlighted by Record ...
Powerful personal finance strategies that will make you wealthier  Real DailyThe goal of personal finance strategies should be to meet your short-term and long-term financial needs well within your income, yet save a good amount for ...
WTAMU instructor teaches personal finance to Canyon High School students  KFDAStudents at Canyon High School completed a personal finance course taught by West Texas A&M Accounting Instructor Lisa Lightfoot, through the Junior ...
Walter Isaacson explains what Americans can learn about personal finance from Ben Franklin  CNBCMore than half of adults are either somewhat more confident (30 percent) or much more confident (27 percent) about their ability to save for retirement than they ...
Millennials feel they face more financial woes than other generations  Fox BusinessA new survey checks the facts on millennial hardships compared to others.
Why personal finance is extra-complicated for female millennials  NBCNews.comMika Brzezinski and Daniela Pierre-Bravo discuss money challenges female millennials face.
Personal finance show: Asian opportunity costs and passive dangers  Investors ChronicleIn this week's show Chris Ralph, chief investment officer at St James's Place, considers whether Asian equities are on good valuations and what areas of this ...
COLUMN: IU should trade math class for personal finance  Indiana Daily StudentInstead of requiring classes that some won't use, require one used by all.
Personal finance education may soon be mandatory Maine schools  NewsCenterMaine.com WCSH-WLBZA bill changing education standards for Social Studies has passed both the Maine House and Senate and now awaits Gov. Mills signature. If signed, personal ...
An Earth Day game plan to banish plastic from your life and where the 2020 candidates stand on student debt and college affordability  MarketWatchHappy Monday, MarketWatchers. Don't miss these top stories: Personal Finance. Elizabeth Warren has a $1.25 trillion plan to cancel student debt — with a tax ...
Personal Finance Lessons From a NFL Pro  Kiplinger's Personal FinanceBrandon Copeland is an NFL linebacker who currently plays for the New York Jets. He teaches a college course on personal finance to undergraduates at his ...
Think you’re smarter than the average teen when it comes to personal finance? Take this test  MarketWatchAbout half of teens weren't able to pass a basic personal finance quiz. In fact, the quiz will surely challenge some adults.
More important than ever for students to learn financial literacy, Colorado Springs educators say  Colorado Springs GazetteHis older sister gave 15-year-old Hector A. Ortegon II wise advice.
In Personal Finance on April 13th  Independent OnlineStudents' spending habits, loyalty programmes for retirement funds, insurers urged to embrace ubuntu, and car warranties and *service* plans.
Trump sues to block subpoena from House Democrats seeking information on his finances  CNBCPresident Donald Trump and his business filed suit against Democratic House Oversight Committee Chairman Elijah Cummings on Monday to block a ...
When It Comes to Managing Personal Finances, 36% of Millennials Just Wing It  The Motley FoolMost of us probably know that we ought to be on top of our finances. In an ideal world, we'd all have a clear understanding of our expenses, how close we are to ...
Making sense of college financial aid letters  Fox BusinessDifferent schools have different names for these letters: financial aid offer, merit letter, award letter or financial aid package.
Workplace stress on the rise globally, new report finds  The NationalPersonal finance, workload and personal health found to be the top stress triggers.
From income tax to GST on flats, seven changes from April 1  LivemintThe income tax slab remains the same for the new financial year 2019-20 with *fresh* rebates.Buying flats will also be cheaper from this month as a reduction in ...
Tax calendar FY20: Plan your investments better by marking the important dates  Moneycontrol.comThis financial calendar will aid you to plan your taxes, remind to file your income tax on time and save on penalty.
Expected Social Security shortfall won't stand in way of expansion, advocates say  CNBCThis year, the House already has held several hearings on Social Security reform, and one bill has garnered support from more than 200 lawmakers.
Personal Finance Show: Manager moves and India's long-term potential  Investors ChronicleIn this week's show deputy personal finance editor Taha Lokhandwala explains what you should consider when a manager leaves a fund and profiles a recent ...
FinTech Breakthrough Names CIT Bank Best Personal Finance Company of 2019  PRNewswireNEW YORK, April 3, 2019 /PRNewswire/ -- CIT Bank, CIT Group's national online bank, today announced it has been selected as winner of the Best Personal ...
How to boost your finances before the election  The Australian Financial ReviewWith the federal election just weeks away, there is a temptation to beat potential policy changes – for instance by buying investment properties before changes to ...
A quarter of Canadians say they struggle to pay bills by month-end: Survey  Financial PostA third of Canadians surveyed say interest rate increase could push them towards bankruptcy.
Students wise up about personal finance | Mesquite-News - Texas A&M University San Antonio  The MesquiteTexas A&M University-San Antonio students gathered wisdom on an otherwise foolish day at the “Don't Be a Fool…Know the Basics of Financial Literacy” ...
PERSONAL FINANCE: Do you ever track your expenses?  Daily NationTracking your money can help you to maintain a healthy financial lifestyle.
Viewpoint | Tips that new generation can follow to cut down on debt burden  Moneycontrol.comViral Bhatt. Today's generation is all about the so called 'SWAG' lifestyle, where patience is minimum and hustle-bustle is maximum. This swag lifestyle can ...
Personal finance expert says a 30-day money cleanse can help change bad spending habits  Toronto StarThe Star asked Ashley Feinstein Gerstley, author of The 30-Day Money Cleanse: take control of your finances, manage your spending, and de-stress your ...
Personal Finance Show: What to do with Woodford and Jupiter European's loss  Investors ChronicleIn this week's show Jason Hollands, managing director at Tilney, considers whether you should continue to invest in LF Woodford Equity Income Fund ...
This is the thing most likely to cause you financial ruin and one lucrative industry where the gender wage gap is narrowing  MarketWatchHappy Tuesday, MarketWatchers. Don't miss these top stories: Personal Finance. This is the thing most likely to cause you financial ruin — but few prepare for it.
Here's everything we know about the net worth and personal finances of every 2020 Democratic presidential candidate  INSIDERThe net worth of 2020 candidates ranges from Rep. Eric Swalwell, who has a negative net worth, to Rep. John Delaney who was worth $93 million in 2016.
Majority of millennials financially rely on parents, survey finds  Fox BusinessMillennials often define being an adult as being financially independen Opens a New Window. t, but a new survey finds the majority of young people still depend ...
Apr 12 Apr 12 WT Instructor Teaches High Schoolers Personal Finance  The Amarillo PioneerBudgets, credit cards, car loans and retirement were just a few of the topics Lisa Lightfoot, instructor of accounting in the Engler College of Business at West ...
Mastercard refund: Could YOU claim £300 in Mastercard landmark ruling?  ExpressMASTERCARD could be forced to pay some customers in the UK a £300 compensation after a landmark court ruling this week. Could you claim the money?
Amid fund crunch, EPFO shelves plan to double minimum pension  LivemintNEW DELHI: After months of deliberation, the plan to double the minimum pension for the nearly 4.5 million pensioners of the Employees' Provident Fund ...
Gov. Ducey signs Arizona bill to make personal finance lesson a requirement for high school students  12news.com KPNXPHOENIX — An Arizona bill that would require schools to teach financial literacy and money management as part of the required economics credit needed to ...
Required personal finance class for NC students could mean fewer US history lessons  Charlotte ObserverNorth Carolina high school students could be required to learn more about financial literacy, but it could come at the cost of learning less about U.S. history.
PERSONAL FINANCE: 9 truths that make money work for you  Daily NationWhen it comes to managing your money better, all you need is to change your mindset. Here are tips to guide you: Change the stories you tell yourself.
Why that IRS calculator might not be enough to pinpoint your 2019 tax liability  CNBCHoping to avoid a tax surprise for 2019? Talk to your accountant before you use the IRS tax withholding calculator. That's because user error and failure to ...
Chalkboard Financial, a local non-profit, is helping teens embrace personal finance  LebTownIt's never too soon to start instilling strong financial habits in young people, and Chalkboard Financial, Lebanon YMCA, and Jonestown Bank have teamed up to ...
4 financial opportunities to grab before March 31  Economic TimesSome taxpayers might not have been able to complete their tax planning for the year. If you are among them, dont panic.
State pension changes: Four ways YOUR state pension is changing  ExpressSTATE PENSION changes went info force this weekend as the new tax year began. Here are four ways your state pension is changing in the 2019/20 financial ...
14 Best Sweepstakes to Enter This Year | Personal Finance | US  U.S News & World Report MoneySome people enter free sweepstakes often, and for good reason. After all, entering giveaways typically don't involve losing money or paying a fee, unless you ...
Here's one easy way to pay less to your credit card company  CNBCWant to pay less to your credit card company? Make a phone call. While most cardholders have not requested a break on either interest rates or fees recently, ...
Cashless society? Fine... until you lose your wallet as our Personal Finance editor found out  Daily MailSlowly but surely, like a Number 9 bus, we are moving towards a cashless society where plastic and payment apps rule.
How healthy are your personal finances? Take this quiz to find out  Economic TimesAre you doing everything right for your personal finance? With the new Budget in place, it is a good time to check the health of your finances with this quick quiz.
Effective measurement of return on investment  Business DailyWhen measuring success, try to consider your perception.
Why you can't get personal finance advice only by reading articles  Economic TimesWhen it comes to personal finance, there is really nothing new to say. What we discuss here are mere snippets of interpretative intelligence.
Seniors report spending $22 billion from savings to cover health-care costs  The Washington PostOne of the biggest threats to your retirement solvency may be the cost of health care and prescription drugs. A study by West Health and Gallup shows that in the ...
Super funds on track for 10 straight years of gains  The Australian Financial ReviewThis year's historical bounce in sharemarkets has super funds poised to record yet another financial year in the black.
Your Money: No uphill struggle with e-bikes  Independent.ieAs the economy continues to improve, one of the drawbacks has been the rise in commuting times mainly in cities.

Save Money on your Clothing Budget. Tame the Closet Monster!

Reducing the clothing budget was a serious challenge for me.... Read More

Saving Dimes Can Go a Long Way

On the other hand, there are those people who are... Read More

Safely Save for Your Childs University Studies Using An Education IRA!

This investment retirement account (IRA) is useful to you as... Read More

Dramatically Improve Your Stock Trading Success

Get Access to Realistic profitable strategies & discover the mindset... Read More

The Wright Place - Finances

Women have a love/hate relationship with money. Most of us... Read More

Affording a Home

Can you really afford a house? If so, how much... Read More

Ways to Save Energy and Slash Electricity Bills

1. Lighting & Light Bulbs Install low energy light... Read More

Organizing Your Finances - Thinking Outside the (Shoe) Box

If you're like most people, your personal financial records are... Read More

Do You Know What Tomorrow Will Bring?

I've been sharing the following idea with people for a... Read More

Reporting Identity Theft

Would you know what to do if you suspect that... Read More

How To Reap The Rewards With Rewards Programs

Recently, many of these loyalty rewards programs have come to... Read More

Debt Management ? Watch Out for Bank Fees!

During the last twenty years, banks have offered a number... Read More

How To Place an Online Order for Checks ? It is Easy as 1-2-3

If You Have an Existing Account and 5 Minutes, You... Read More

Honor Those Who Serve with Checking Account Supplies

Our global society has had a wake up call in... Read More

What is ChexSystems?

Commonly referred to as the first of the three major... Read More

Car Donations and Used Car Donations

Car donations and used car donations are the way many... Read More

Why We Are Never Satisfied with What We Have

I have to admit, I do it too. I complain.... Read More

5 Ways to Absolutely Destroy Your Finances!

Ben Stein has a book called How to Ruin Your... Read More

How Check 21 Affects You

The Check 21 Law is the new federal law for... Read More

Saving Money On Gasoline For Your Automobile

The gas that we fill our tanks with every week... Read More

Why You Should Seek Professional Help With Asset Management

Everyone needs to maintain their lives. What I mean by... Read More

Money Matters - Really!

One of the biggest challenges facing black RELATIONSHIPS today are... Read More

Knowing Me, Knowing You: Why ID Protection Plans Are Flawed For Fraud

ID theft is a major consumer concern, though there is... Read More

Save Money Off Your Home Utility Bills

Many don't realize that our basic utility bills provide the... Read More

UK Parents Inactivity Harming Their Children?s Future University and Mortgage Savings

The British government at the beginning of this year officially... Read More