It's no huge secret that most Americans live at the edge of their income. Then they need bigger salaries to bail them out of debt. A word to the wise: the problem isn't your salary, it's your lifestyle. You're living beyond your means—we, as country, have been living beyond our means for a while. What better time to change the way we approach things than 2012, the year of transformative change? … [Read more...]
It's a new year, and that means it is time to get yourself on the right financial foot. After the holiday season, most of us are at financial low points due to the extra travel and gift buying, and maybe some higher balances on our credit cards, but that doesn't mean that you can't get your finances in order as soon as possible. In fact, the holidays, in particular New Year's, can help you do … [Read more...]
Adam Jacob has provided this guest post; he is a contributing writer on FrugalDad.com. Frugal Dad offers financial advice and coupons and deals. Let’s just get this fact out there: running a home is not cheap. The daily costs of living are only getting higher and living on one income is becoming increasingly difficult for each generation. We can think back to those before and how seamlessly … [Read more...]
OK - I fully admit it, I've slacked way too long in posting here on FPT, and have just been taking in some guest posts, though I've been quite selective about it. Time for my penance and to start writing again. Too many projects going on, and I have a ton of excuses, so I'll spare you the drama! Onward to managing money stress. So, let's talk about financial stress in general. I came from a … [Read more...]
Whether we like to admit it or not, marketing and advertising is aggressively targeted towards kids of a certain age. In a consumer based economy, it's not about thinking about your purchases and is totally geared towards blurring the lines between need and want. When kids are that young, traditionally, the don't really understand money totally. The know that you need it to buy things but money … [Read more...]
“Living below your means” - what images pop into your mind when you read that? I’m willing to bet that they are not healthy ones. The current global financial crisis has taught people to question everything they’ve learned about money and their relationship with it. Carrying on with that theme, “living below your means” can now be viewed as - if you can afford a $200 000 home, buy a … [Read more...]
This is a guest post from Kristy Ramirez who writes for Life Insurance Finder - where she helps people to compare life insurance quotes and select the best policy to meet their needs at the best possible price. In theory, everyone believes in the importance of having a savings account. In practice, few people’s savings accounts hold enough to funds to keep them afloat in the event of the … [Read more...]
In times like these, it’s important to save money every way we can. Yet one of the simplest ways to save is often ignored… your credit card. The reward programs which are on the market have changed quite a bit over the last few months, so if you haven’t looked at what’s currently available you need to, because the latest rewards card offers can save you money in a multitude of different … [Read more...]
Given the rising costs of food, commodities, utilities, and just about anything, all of us are pushed to save as much as we can to survive today's failing economy. But saving may be easier said than done especially when most of us survive from paycheck to paycheck. Here is a great financial news about ways you can cut down on your spending and have enough money left over to create an emergency … [Read more...]
OK - maybe it's just me. Maybe it's because when I was 14 years old I had a summer job doing landscaping on a corporations beautiful grounds - where we were required to open a savings account and save 10% of our money. This bank account we could not withdraw from until 3 years later. It was communist. And it was good. I'm very glad I've learned how to save the bills through that summer … [Read more...]
When most people hear the word 'budgeting', they immediately cringe and think of living like a miser, scrimping and saving every penny. The truth is frugality is not about missing any of the fun things you enjoy. Budgeting is all about knowing how much you have to spend and how much you're expected to pay out and matching the two together. Frugality is simply about learning to spend the … [Read more...]
When it comes to managing your money, there are several tactics you could adopt to stay on top of it. We're going to take a look at just one of these now - budgeting. Budgeting is all about understanding and controlling your finances. It's widely seen as the most important part of managing your finances, and with good reason too. A budget lets you see a plan of your finances 'from above' - … [Read more...]
Many Americans dream of living in Europe. The French Rivera, Rome, and Paris all conjure up images of elegance and romance. For many, however, Europe is merely a dream. Living in Vienna, Paris, and London all come at a high price. In the past it may have seemed like a cheap place to live a simple romantic existence but today Europe is considered unaffordable by many. Most people dismiss it … [Read more...]
The best home printers are the printers you want if you are a user that demands perfection. Unlike a typical office printer, which will be printing certain types of jobs and that's about it, looking for a home printer that may be called on to print anything can leave you feeling blind. There's simply no way to anticipate what jobs you'll ask the printer to handle. This is why you need to be … [Read more...]
Most people are trying to get the best possible deal they can by finding the cheapest cell phone plan that will also give then the best coverage and service for their dollar. Despite what many people think, going with a traditional contract based cell phone service is often the best bang for your buck, even for those of you looking for cell phones for bad credit. This is due to the fact that you … [Read more...]
