So just what are values based financial planning and is it anything that you may be interested in. In short, values based financial planning is quite simply a method of financial planning that integrates your personal values into decisions that are made. Sounds simple right? Well its not.How Can You Be Sure?For instance, you may have already been doing some type of Values Based Financial Planning on your own by simply avoiding investment...more
Everyone understands what a mess that can be made from personal finances that are managed poorly. If you feel like this is happening to you, take some time to get informed about your money, so you can gain control. This article will provide you with shrewd hints on making your personal finances organized and astounding.You want a credit score of 740 if you are trying to get a mortgage. The better your credit score, the better interest rate you...more
Did you know that the average household debt is over $15,000 in credit cards alone? So, what are the solutions to the growing debt problem? Here's our list of 5 ways to cure your tendency to acquire debt and to instead strive toward debt free Christian living.1. Stop SpendingIt's true that you must spend money to survive, but many of us have fallen into a habit of consumerism. We head to the mall for entertainment on a rainy day, we eat out because we won't make time to cook a meal, and we shop for deals at the store that are just "too good" to pass up.Even if you use cash for your expenditures, you're hurting your financial well being. Add up - just for one week - how much you spend on your Starbucks coffee. Now imagine how you should have used that income more wisely. Even a small amount invested over time can add up to a large sum.2. Kill the Extra CardsDid you know that the average number of credit cards per individual is 3.5 credit cards? Keep just one card, which you don't carry with you. That card will be used for true emergencies, to rent a car or reserve a hotel room and other necessary uses. Even if your credit cards have a balance, cut the actual cards up as you work...more
Too often, people try to ignore their financial troubles in the hope that they will just go away. This article can help you better manage your budget. Do not allow your personal finances to keep getting on top of you!It's important for your broker to be someone you can rely on. Check their references, and ensure that they tell you everything you...more
Debt is an unavoidable part of most people's lives and even essential part of business operations. If used well, debt would allow people to accumulate wealth through property ownership and allow companies to grow by investing to projects that return more than the cost of debt. Unfortunately, life does not go according to plan sometimes.However...more
Money affects everyone. Either you have too little, just enough, or so much that you let your money get lazy. Money gives us a feeling of self-worth, drives us to work harder, or provides the chance to relax and get away from it all. No matter what your opinion on the green stuff, it"s essential that you make organization of your finances one of your top priorities in life. Efficient personal finance doesn"t come easily for everyone. You have to plan to make the most of your money. Think about the future. Where do you want to be financially in five or ten years? Then, it"s time to decide how to get there.Saving, consistently and wisely, is the first key of strong personal finance. Contrary to what some may believe saving money is hard work- a lot harder that filling jars with pocket change. The key to saving money for the future is consistency. It doesn"t matter how small of an amount of money you save from each paycheck, the key is that you are putting money away each week, two weeks or month, depending on how you get paid. If your employer already pays you through direct deposit, it"s even easier to save. Contact your accounting or HR department and change your direct deposit...more
401K Withdrawal Steer clear of Tax Debt When You Have Competent Tax Support In case you place funds straight into your 401k package, you don't need to pay taxes, nevertheless, you have to try to remember your tax obligations when...more
How to Manage Money and Eliminate DebtDashing through the mallswith credit card in handbuying big and smallI don't understand I wish I had more cashbut my credit card I'll useI spend it in a flashOh, I have the holiday blues Oh, Jingle Bells my...more
The basic banking services provided by retail banks to the public include the following: Saving Transacting CreditWhen deciding on a retail bank , one should look out for the following to ensure that they nurture a relationship with a bank that is...more
Money may not buy happiness, but it can sure make day to day life a lot easier. Fewer monetary concerns allow us to sleep more soundly and feel less stressed. Scores of individuals do not have a good grasp of their finances, and financial difficulty...more
Given the current state of the economy, personal finance should be of the utmost importance for each of us. You don't need to be rich to invest and regardless of your net worth, taking care of your money should be important to you. The tips in this...more