Certain purchases in life are inevitable. Without food, shelter, clothing, and other necessities, life gets rather unpleasant rather quickly. However, just because we need certain items and services doesn’t mean we have to overspend on them. And when we overspend on needs and also overspend on wants, one’s financial picture starts looking a bit bleak…. [Read More]
How to Get the Most Out of Black Friday—the Right Way
The biggest shopping weekend of the year is creeping closer by the day. While Consumer Reports recommends signing up to receive special offers and alerts by email from your favorite retailers, that alone won’t get you everything you want this holiday season. Take some time to check out the best ways to have a triumphant… [Read More]
How To Employ Practical Spending To Avoid Debt
Irresponsible and unmindful spending leads to debt. Nowadays, people prefer to use their credit cards in purchasing instead of cash. Because of this, they tend to overspend and abuse the purchasing power their credit cards hold. Only when this unconscious habit has been translated into accumulated credit card notification letters do they realize their overindulgences…. [Read More]
5 Fees You Should Never Ever Pay
Speeding tickets. Late fees. Credit card interest. Overdraft fees. All of these are fees that no one should pay. They result from being careless, disorganized, impulsive or distracted. These fees you should definitely never pay and if you do, well there’s a name for those fees. Dave Ramsey coined the term, “stupid tax,” just for… [Read More]
The Difference Between Saving and Investing
Everyone knows that it is smart to have some money put aside in case the worst happens, but where should it go? And what is the difference between savings and investments? Traditionally, savings accounts are held with banks and there are many different types of on offer, including those that require notice to access funds… [Read More]
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