Not everyone is prepared to deal with a hardship. In fact according to a recent article from CNN Money about emergency funds, 64%, of Americans don't have enough cash on hand to handle a $1,000 emergency expense (according to the National Foundation for Credit Counseling). Sometimes we get so caught up in living paycheck to paycheck that we forget to save for the times when we’ll need it the most. If you’ve ever found yourself stuck in one of these situations where you need fast cash now and didn’t know where to turn, fortunately there are alternatives to taking out a high-interest payday … [Read more...]
Where to Find Help with Payday Loan Debt
So you need some help with payday loan debt? That’s pretty easy to obtain through refinancing and other options. First of all, what is a payday loan debt? This is a loan that you can get from a cash advance office that will lend money without requiring a credit check through the major credit bureaus. Typically, payday loans are given in increments of $100, depending on your personal financial status. You must pay the loan in full by the due date or pay harsh penalties for late payment. The Advantages and Disadvantages of Payday Loans: Payday loans, along with any other type … [Read more...]
Retirement Income Solutions to Live Comfortably for Years to Come
You’ve finally reached the age of retirement. You’re looking forward to a life of boating, golfing, or traveling. However, for most retirees, these dreams far exceed reality. US News and World Report says that around 86% of retirees only receive approximately $12,000 per year from social security, which isn’t always enough to live on - much less finance those pie-in-the-sky dreams. In fact, many retirees must continue working even after retirement, which adds about $20k per year to their income. But what’s the point in retiring if you must continue to work? Retirement can be expensive. … [Read more...]
How to Increase Small Business Economic Growth
Starting a business is just the first step. In order to keep it growing for the long term, you need to carefully orchestrate the next steps. Here's a few strategies that have worked for others and could take your small business to the next level. Seek Financing There are many institutions out there who are willing to give you money for business expansion. You can go to a bank or visit online peer-to-peer lending websites. You can also reach out to angel investors or apply for government loans. There has been a steady lending increase to small businesses following … [Read more...]
Tips for How to Save Money at the Pump
It’s no secret that everyone wants to save on gas as much as possible. Who wouldn't like to put a few bucks back in their own pocket every now and then by paying less at the pump? Sometimes, it seems, that most people are more interested in complaining about it than actually being proactive and seeking out solutions that will save them money on gas. Waiting for gas prices to go down is not going to get you far. The better solution: Put in a little time and effort, and you will be surprised how many opportunities there are to reduce the amount you pay for gas. Here are a few … [Read more...]
How to Make Traveling Long Distances More Enjoyable
If you've long salivated over the prospect of visiting some highly exotic place in a distant land, then you could naturally be very excited upon finally getting the opportunity to travel to it. Little could dampen your enthusiasm except, perhaps, the travelling itself. Traveling lengthy distances can seriously drain time; therefore, how can you relieve the tedium? Here are some tips... Traveling in a car? Then check that it's insured Having car insurance in place before you set off in your vehicle can be about much more than ensuring a usefully large financial payout … [Read more...]
Single Stocks Vs Mutual Funds – Making the Right Choice for You
If you were to really look at the core of most retirement plans and investment portfolios in America, you would uncover a battle of single stocks vs mutual funds. Single stocks are assets that the investor purchases through investment companies or brokerages. Mutual funds are more of a hands-off approach to investing that does not require the investor to get involved in the process too deeply. Though both ways have proven to be good investment choices with their own risk factors, knowing the key differences is vital for the investor to make the right choice. When you compare stocks … [Read more...]
How to Reduce Your Monthly Car Maintenance Budget
Did you know that you can save money on almost anything if you try hard enough? Whether it’s becoming a fervent coupon-clipper or downgrading your cable subscription, there’s almost always a way to shave money from your budget. One area where this can be especially tricky is your monthly car maintenance budget. Though many of your vehicle expenses may seem like they’re set in stone, there are lots of simple things you can do (like oil changes and tire rotations) to help prevent expensive repairs before they even start. Here are my tips for keeping your overall vehicle expenses down and … [Read more...]
How to Get Money Off a Credit Card the Smart Way
The days of the credit crunch and the ensuing financial troubles keeping you on tender hooks are over. There are many innovative ways to counter the credit issues and make money out of nothing. If do not know any techniques for how to get money off a credit card, then this article is for you. Though this concept has been used for over a decade, it has comeback with a bang now. Financial customers borrow money with their credit card and deposit the cash with some other institution at a higher rate of interest. This gives them a higher return without having to spend anything out of their … [Read more...]
How to Do Your Meal Planning on a Budget
Grocery shopping for you and your family can either make or break your budget. Food is constantly getting more and more expensive and it can really drain your family finances. However, if you choose to utilize inexpensive ingredients, you will be able to do your meal planning on a budget and save money from your overall grocery bill. You just need to concentrate on your comprehensive budget that is needed by your family. The best thing to do is to plan out your meals for the week - using inexpensive components - so that you know exactly what you need to purchase and cook in order to … [Read more...]