Deprecated: mysql_connect(): The mysql extension is deprecated and will be removed in the future: use mysqli or PDO instead in /home/a26f9f83/public_html/articles/includes/config.php on line 159
Money Matters - Really! > NetSparsh - Viral Content you Love & Share

Money Matters - Really!

One of the biggest challenges facing black RELATIONSHIPS today are finances. Many people mistakenly feel that money does NOT matter. In fact, money matters the MOST! Why? Most people do not have a clue about their own financial destiny.

You know you want to own a home and save some money toward retirement but have you PLANNED what it is you are saving each month and how that money will assist you in the future. Do you have a PLAN to empower yourself financially by NOT depending on your JOB to pay your salary and that's your only source of income. Times have CHANGED. Jobs come and go(and so do SPOUSES). To protect yourself financially you need to be proactive and not depend on anyone else to solve your financial issues.

You can improve your finances RIGHT NOW if they are not in order. There are low costs alternatives to improve your credit score and increase your buying power. Power not to be wasted on designer shoes, clothes, and automobiles, but to be invested in REAL estate. An interesting term to be sure. REAL because it is the foundation of all REAL wealth in this country. Estate, because that is what you can leave your children and family if you handle your business correctly - RIGHT NOW. Money matters because in a relationship YOU should have your OWN MONEY! That is right- I said it! You should not count what someone ELSE brings to the table when all your money is tied up in petty and senseless bills. Talking about petty and senseless- let us discuss CARS! What would possess a person to lease an automobile? Other than as a BUSINESS expense (which also means TAX WRITE OFF) someone PLEASE Tell me WHY? I have heard of folks paying $500.00-$900.00 monthly on car payments. WHY? My car is paid for and I am proud of it. Yes, it is ten years old - BUT I don't work because I DON'T have to support my vehicle. If you are serious about getting more money in this lifetime, you will need to STOP SPENDING money RIGHT NOW on things that DEPRECIATE in VALUE such as CARS! Nuff said!

We all need just ONE major credit card and an American Express card. The other credit cards need to be in the trash. The reality is- if you CANNOT pay for something you purchased within 30 days, you CANNOT afford it! Brutal I know but I have been there and done that. When you have to spend real $$$ on what you purchase, it truly does slow your roll.

Contact me if you need to be pointed in the right direction. I will be happy to assist!

In a personal relationship many of your disagreements WILL stem from money issues. Not just who makes what, but how it is spent and how it is saved. It seems like such a small thing but when you are commingling finance and love you need to establish boundaries up front. PLEASE DO NOT IGNORE THIS ADVICE! You should decide in advance if you want to keep your finances separate and have a joint household account.

The household account should be open to both parties (online access is great for this) and not used for personal spending in any way. The check card will let you market, pay bills etc. A joint savings account would also make saving for special purposes much easier. No matter how much you trust each other, the savings accounts should REQUIRE both parties to sign off on withdrawals. Just to keep everything clean and above board. The traditional (old fashioned) way is to have just one account for checking and one for saving. Even though our parents did this, most mothers (and fathers) always had personal money SOMEWHERE that was just theirs. So why not be upfront about your own personal money issues so they do not come back to haunt you down the road.

Michelle Smith-Billups owns serveral websites. Her main site, HurryDates-in-Black.com is dedicated to finding and building better relationships. Her focus has turned to money as a way to improve on what YOU have before you find a mate. This is NOT to be used to measure a potential mate, but as a means to open, honest and effective communication about finances before your relationship begins.

http://www.HurryDates-in-Black.com/money matters.html
http://ClassyBlackSingles.com/?CID=art1
http://YourHealth.mymagicwand.com

In The News:

This RSS feed URL is deprecated, please update. New URLs can be found in the footers at https://news.google.com/news

Africa.com

10 Personal Finance Apps to Make Your Life Easier
Africa.com
In addition, technology also seems to be offering us financial freedom now. Personal finance apps on our smartphones – as well as some on laptop and desktop computers – are becoming reliable and accountable enough to save us from debts, and help us ...

and more »

Chattanooga Times Free Press

Personal Finance: Thanksgiving travel brought to you by capitalism
Chattanooga Times Free Press
Personal Finance: Thanksgiving travel brought to you by capitalism. November 22nd, 2017 by Christopher Hopkins in Business Diary Read Time: 2 mins. Vehicles exit from Interstate 75 North heading toward Hamilton Place Mall Friday, Nov. 17, 2017, in ...


Kiplinger's Personal Finance: Prepare your portfolio for retirement
Richmond.com
Once you reach your final five years in the workforce, you should begin shifting your portfolio toward the types of investments you'll hold in retirement. Start to bring your asset allocation in line with your anticipated retirement portfolio; by this ...


International Personal Finance Plc (IPF) Rating Reiterated by Shore Capital
The Ledger Gazette
International Personal Finance Plc logo International Personal Finance Plc (LON:IPF)'s stock had its “hold” rating reaffirmed by Shore Capital in a report released on Monday. A number of other equities analysts have also recently commented on IPF.

and more »

What Could Trump Do to Ease Average Americans' Personal ...
Motley Fool
He campaigned on the promise of making life better for working folks. The authors of “The Financial Diaries” have some thoughts about where President Trump ...

and more »

2017/18 Personal Finance Awards – Winners Announced!
The Money Pages
Voted for by you, the consumer, the Personal Finance Awards are run by The Money Pages and also publicised through our sister brand What Mortgage. Visitors to the website started by nominating a business with which they, or a friend, colleague or ...


USA TODAY

25 metro areas with the hottest housing markets
USA TODAY
They say a good place is hard to find, but if you're looking to live in one of these 25 metropolitan areas, that may feel like an understatement. Using data from ATTOM Solutions, we checked which metro areas have the lowest vacancy rates — that is to ...

and more »

Express.co.uk

Black Friday 2017: Amazon, boots, Tesco set for HUGE deals, here's how to not miss out
Express.co.uk
Craig Bundell, director of personal current accounts at TSB, warned it is easy to throw money away and go over budget. “Forward planning and having a specific shopping list could make all the difference.” The most popular search term is Argos Black ...

and more »

Yahoo Finance

School mandates personal finance for graduation - Yahoo Finance
Yahoo Finance
Starting with this year's freshman class, personal finance will be a required course for students at Oconomowoc High School in Wisconsin.

and more »

Kiplinger's Personal Finance: How to offer financial help to your aging parents
Richmond.com
Numerous studies have shown that our ability to manage complex tasks diminishes as we get older — and for financial tasks, the decline typically starts after age 60. Because the decline is gradual, many seniors don't realize they're having trouble ...

Google News

Debt Management ? More Ways to Save on Gas Consumption

The price of gas continues to climb, and with continued... Read More

Creating A Household Budget

Creating a budget can be a very difficult task. Although... Read More

Money Matters - Really!

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

How To Protect Yourself Against Identity Theft

Identity theft is a serious crime that continues to grow.... Read More

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

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

Succession Planning

Have you ever thought about what you are going to... Read More

Why Live Frugally

What is it about being frugal, why do it at... Read More

Adverse Debt Levels Blight UK Consumers Personal Finances

Debt levels are at an all time high in the... Read More

University: A Course in Personal Finance

Recent findings from the Educational Policy Institute indicated that the... Read More

The Wright Place - Finances

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

Simple Ways to Save Money

Things are so expensive these days. We seem to be... Read More

Budgeting is Essential for a Single Mothers Success

Today many women are struggling with debt and it's even... Read More

When do You Need a Financial Management Company on Your Side?

We live in a crazy world. Someone ought to sell... Read More

Portfolio Planning can Lead to Irreconcilable Differences

The judge had to ask the question, and we had... Read More

Kundalini Lessons - Money

I've been going through and interesting growth period lately that... Read More

Take Control and Master Your Kitchen

Those who keep a watchful eye on where their money... Read More

Affording a Home

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

Improving Your Financial Position

If you want money you need to learn how to... Read More

Expenses A ? What Are They And What Can We Do About Them

It is crucial as an individual who is striving for... Read More

Financial Fitness - Are You Exercising the Right Muscles to become Financially Fit?

Are your financial muscles well toned and healthy or flabby... Read More

Planning Your Financial Future

Millions of people give a lot of thought to financial... Read More

Save Money on Groceries: Part I

One universal of humanity, no matter who you are or... Read More

Budgeting Your Way to Financial Freedom

Financial freedom cannot be achieved without budgeting. Budgeting involves tracking... Read More

Benefits of Personal Finance Software

In this age of information, keeping track of your finances... Read More

Budgeting Made Easy

Well, dang! From what I've heard and read, it looks... Read More