Finance

You and Your Credit Report

Many of us are confused about the way that our credit report is used as a factor for approval when applying for credit. Banks, short term money lenders, cell phone operators and even stores offering purchases on credit may access your credit report to understand what your current credit status is. They will look at your score overall as well …

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Tips For Living Comfortably on a Budget

In this day and age it seems most of us need to tighten our purse strings a little (or a lot) to deal with the economic stress. Most of us need to live ‘within our means’ as difficult as that can be at times and that usually means a limited budget (for most.) Since the dreaded recession in 2007, the …

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Crucial Decisions: Saving Money for Retirement or Your Kids’ College?

saving money coins

Daily financial struggles can transcend to something even more important: your family’s future. If you think you don’t have the resources to save for both your retirement and your kids’ college, there are several facts you need to consider before you choose one over the other. You Can Borrow for College, but Not for Retirement People use loans to buy …

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Should I Invest in Bitcoins?

Recently, a friend of mine suggested that I follow his investment path and invest in Bitcoins. It’s not an easy decision to make – Bitcoin is a relatively new-age concept and understanding how it works is not simple. From a pure investment perspective, it works similarly to stocks… you buy at a certain price and the worth of one bitcoin will go up or down. At that point, you …

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Teaching Teens About Financial Responsibility Using Debit Cards

It’s important for parents or guardians to teach their children about money as early as possible. The epidemic of college students getting into debt through a combination of financial ignorance and the lure of easy credit tells us that financial education is as important a part of child rearing as anything else. It’s reported that 76 percent of college students …

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Does Daylight Savings Really Save Money?

I remember very clearly the first time I experience the political phenomenon known as daylight savings time. It was in 2003, when I was 18 and I was abroad (we don’t have daylights savings time in Bolivia). Messages were everywhere reminding us to switch the time in our clocks and I was confused by it all – why where we doing …

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Important Things Most People Forget to Include in Their Budgets

Most people want to become a bit more money conscious and save a few dollars. The problem is, that when preparing budgets, most people forget to include some vital things that can turn your money saving efforts sour by the end of the month. We’ve prepared a list of things not to forget when preparing your budget! Annual Payments Things …

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Spring cleaning can affect your taxes. Yes, here’s how!

We don’t think of spring cleaning as anything more than a pain. But it comes with some really great tax advantages. Here’s how you can save some money by being charitable this financial year!

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A Roundup of Reviews on the Mint Finance App

As frugal lifestyle bloggers, we are always on the lookout for tools and technology to help ourselves and our readers better manage their personal finances. Mint is one such tool. Purchased a few years ago by Intuit, Mint is a great online service to help you better manage your personal budget and spending patterns. What’s So Great About Mint, Anyway? …

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Auto Insurance Rates: Men vs. Women

Insurance is so mainstream in today’s world – car insurance is compulsory, Obamacare has brought health care into the spotlight and with businesses, the recent spate of floods in America and across the world has brought the topic of insurance to the fore. While a lot of aspects of insurance are debatable, the age old question of how insurance premiums …

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