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How to Maintain a Budget?

First off, create a list of all your monthly income and also a list of your monthly expenses. When determining income, list all sources including alimony, child support, side jobs, etc. In calculating expenses, be sure to include housing, food, transportation, utilities, entertainment, etc. To gain an accurate reflection of actual expenses, sit down each night and write down expenses, just make sure to save receipts. Determine if your income covers all of your expenses. If the answer is no, then some expenses need to be reduced.

Adjust expenses. If it is a small discrepancy, it may mean reducing some minor expenses like entertainment or cell phone plan. If the deficit is larger, you may need to downsize your vehicle or living arrangements. If your income covers all of your expenses, you still may want to trim some of the excess fat off your spending habits. This can free up extra money for things such as vacations or college funds for your children.

Additionally, consider if you need to add new categories. Some areas that are often overlooked are debt reduction, emergency savings funds,

Personal Finance Tips

Planning your personal finances doesn’t always come naturally, and even if you’re just beginning to take your financial matters seriously, then you likely need a few personal finance tips.

Evaluate your current financial situation. One of the most important goals for most people is financial independence. Collect accurate information about your personal financial situation. Calculate your net worth which includes the real estate, saving and retirement accounts, and all other assets. This will help you decide how much money you can set aside for meeting future needs and goals.

A basic personal finance tip is to make a budget. A personal finance budget is information made up of your income and expenses and the more accurate this information is, the more likely you are be able to meet your goals and realize your dreams. A personal finance budget should be made for at most one year at a time and include a list of your monthly expenses.

All expenses must be included. To be sure of that go through all your paid bills, check register and credit card

Money Great Advice

Let’s say that you are getting regular monthly salary from work and you are happy with it. Now, at the end of the month (and most of the time, two days after you get your paychecks), you wonder where all your money is gone.

You begin reasoning.

30% of it goes to house mortgage.
20% of it goes to car payment.
10% of it goes to credit card payment.
5% of it goes to utility bills.
etc, etc, etc…

“That should be fine. I’ve got all taken care of. Next month, I’ll get another paycheck and the same cycle goes on and on… enough for me to survive the whole life.”

Well, you gotta be careful now.

What happens if your car broke down?
What happens if your kitchen needed renovation after a heavy storm last night?
What happens if you suddenly forgot that you’ve overspent your credit card?
What happens if you fell sick?

Things could be worse, and now is the time that the cliche “Fix your roof on a sunny day” is very

Tips to Cut Household Expenses

1. Recycle those junk letters.
Each month, you will probably received a dozen or more letters from direct mailing companies in your mailbox. Some of these letters are printed on one side only. Collect these letters and combined them into a writing pad. You can also used them to print draft documents. Besides saving money, you are also saving a lot of trees.

2. Install water saving kit in your toilet cistern.
When flushing the toilet, the amount of water used is usually more than is required. By installing a water saving kit in the cistern, the amount of water saved can be as much as three gallons per month.

3. Use the fan
Whenever possible, use the fan. The air conditioner is a major contributor to your utility bill. By using the fan, not only are you saving on your utility bill, you are also building up your body’s tolerance to heat. Your chances of getting heat exhaustion or heat stroke during the hot summer season are greatly reduced.

4. Do not throw away that old bar of soap yet.
As your wash your hands with soap on a daily basis, the bar will

Tips to Cut Electric Bill

1. Doing an energy audit. This will tell you how and when you use energy and where the wastage lies. You will be able to make an “energy savings plan” by pinpointing exactly how you can cut back on energy consumption. Some ideas may be as simple as don’t leave the coffee machine on at all times.

2. Think about resetting the thermostat ten degrees lower during the night. If you can do this for say approximately eight hours a day you will save 10% on electricity without sacrificing comfort. Insulate the home in winter by drawing shut the drapes.

3. Check all insulation in the house. If you increase attic insulation to around 12 inches the electricity consumption will reduce by 20 percent.

4. Plant more trees around the house these will cool the house in summer and insulate the house in winter. Studies show that a green cover benefits in many ways.

5. Have all electricity wires and outlets checked for leakage. Check all fuses and appliances.

6. Fluorescent light bulbs are energy efficient. They use 75% less energy than ordinary light bulbs. These have a longer life and contribute to

Tips to Improve Your Credit and Save Money

1. Plan
Whenever you go somewhere that you know will cost you some money, make a plan. If you’re going to do the groceries for instance, make a list and stick to it. If you are going on vacation, create an itinerary that you can stick with and stay with your allotted expenses. Failing to plan can cause impulse spending.

2. Budget
This is one area many people fall in trouble with. They just don’t do it. Create a budget and put it on paper. You will be amazed on how things become clearer when you see it all in writing. If you don’t know how to create a budget, look in the yellow pages, some companies give free financial consultations.

3. Allowance
Give yourself an allowance. Even if you’re in the process of repairing your financial situation. It’s important to treat yourself once in awhile or depression may set in and cause you to overspend.

4. Credit Cards
It’s just too easy to buy stuff using credit cards. You should only use these cards for emergencies. Did you know that on a balance of $1000 if you make the minimum monthly payment, it will

Purchase a New Car Cost

Ask most men and I’m sure they’ll tell you it’s one of the things they enjoy most in the world. And these days, with women reported to be involved in over 80% of all new car purchases, women are getting hooked fast on the pleasure of buying a new car.

However, if there is one thing that can detract from the enjoyment of buying a new car, it is the finances of the whole deal. This is not just speaking about the price of the new car, although this can be considerable. There is also the issue of all the hidden, and not so hidden extras that you have to pay for. For example, before you finalise the price of the car, you have to find out what features come as standard, and if you want to have any additional features, be they for safety, power, style or any other reason, you have to make sure that you calculate the extra cost of them into the price of the car.

Then, added to this is the delivery cost if there is one. Plus any other hidden dealer fees for whatever reason. Then you have to deal

Tips to Change Spending Habits

1. Do more walking than driving. If you can reach your destination within ten minutes by car, consider leaving the car behind and walk instead. You will save money on gasoline and parking fees. This can easily add up to a few thousand dollars a year.

2. Use a bicycle if the destination is within 30 minutes by car. This helps promote blood circulation in your body and also reduces environmental pollution. You can also save on gasoline and parking fees.

3. Bring your own coffee to office. Many people like to drop by a Starbucks or similar coffee outlet and end up spending a few dollars or more on a cup of coffee. You can potentially save many dollars dollars each week just by making your own coffee at home and bringing it to your work place in a Thermos. Besides, who knows, it may taste better than the coffee from Starbucks! If you really cannot live without Starbucks coffee, consider getting a Starbucks rebate card. You can use the rebates to redeem free Starbucks coffee after you have accumulated enough points.

4. Dine at home more frequently. You can experiment with different recipes

Values for Your Money

1. Are you able to keep the promises that you make?

When you borrow money you are making a promise to the person or financial institution that you borrow from to pay the money back. Is it more important to keep your promises to your friends and family who probably won’t legally make you pay the money back or is it more important to pay the financial institution that can ruin your credit score and will more likely use legal options. Perhaps you honor all of your obligations in an equal fashion, either trying your best to keep your promises or breaking your word.

2. How much money do you give back to others?

There is usually a correlation between the percentage of your money that you give to others who are less fortunate and the amount of time that a person volunteers to help others. The percentage of money that you give also will give you an idea of how self centered that you are. If you do not give a large percentage of money it does not make you a bad or a mean person, it just may be time to reflect upon

Steps to Save Money on Gas

1. Take out a credit card. Some credit cards offer gas savings when you use the card for purchases. This works in much the same way that some credit card companies give you frequent flyer miles when you use their card for purchases.

2 Get a gas membership card. Look for membership benefits. In addition, department and grocery stores give discounts at the fuel pump when you use their store membership cards. Shopping at Giant Eagle grocery store and using their membership card, it’s possible (at the time of this writing) to fill a car’s tank for .79 cents a gallon, with savings of $1.36 per gallon.

3. Give your car a good tune up. While giving your car a tune up won’t actually save you money at the pump, it will save you in gas. Using less gas saves you money over all. Have the oil changed, and have a certified mechanic give your engine a twice over.

4. Check the WWW for deals. Web sites let you find the best deals in your area.

5. Buy a hybrid car. Not only do hybrid cars give you immediate savings at the pump, the

Managing Your Money

Can’t always come up with where your money goes? There is a simple solution: Trick your own mind into spending less and saving more.

If you are up for a challenge, allocate yourself a weekly allowance. Put a set amount of allowance into an envelope and determine that this will be all you will be allowed to spend for any given week. Next, divide your allowance to take care of your expenses. When you get down to the last $20, that’s the amount you put into your emergency fund. When the money is gone, there will be no more until next week.

Each payday, allocate a percentage to go into a secret fund used only for emergencies. When it’s crunch time, you will know it’s there.

Establish one dresser drawer just to toss single dollar bills. This way when the pizza man arrives, you will have the singles handy and won’t need to break the larger dollar amounts. This discipline forces your mind to think larger amounts and to save larger amounts. You get into the habit of spending only the singles. This works!

To control your credit card debt, carry just one card

Lower Your Monthly Bills with These Helpful Tips

The first thing you need to do is eliminate ALL of your unnecessary expenses:

– eating out on the weekends
– buying lunch at work every day
– magazine and newspaper subscriptions (especially those you can get online and at the local library)
– cable TV (you’d be amazed at how many other ways you’ll find to spend your time once you get rid of cable TV)
– groceries (you can save lots of money with coupons and specials.)

It’s OK to reward yourself once in a while, but if you are really looking to get out of debt faster, you owe it to yourself to save every single penny you can!

To find other ways to reduce your expenses, take a close look at your checkbook and credit card statements. You should also call your credit card companies to see if they will lower your interest rates, even if it is only for a short time.

You’ll be amazed at how many ways you can save money, especially once you start looking carefully at how you spend your money every month.

Shop Around For The Lowest Prices

For those expenses you

Tips to Saving Money

Clip Coupons.You can save on your shopping excursions by clipping coupons. Some stores will even double or triple manufacturers’ coupons up to a specified amount [typically, one dollar] as an added incentive to bring you in.

Comparison Shop.The worldwide web gives shoppers the opportunity to compare prices and shop right online for almost any product available. Order online if the item is cheaper than ordering in person. Don’t forget to take into consideration shipping, handling, and taxes when ordering via the web, however many online retailers offer free shipping and taxes are not always universally assessed.

Energy Efficient Appliances.Your old refrigerator or washer is an energy eater. When you shop for a new unit, check to make sure that the energy rating is high. Do not, however, pay hundreds of dollars more for a product if only a slightly higher energy rating is promised. Learn which models produce the highest possible energy rating for the money.

Get Free Samples.Manufacturers enjoy giving away samples of their products. Sometimes all it takes is a letter or an email to the appropriate department and your freebie will arrive in the mail in the form of merchandise or as

Tips to Repay Back Education Loans

New college graduates may find that it takes them longer to find a job than they expected. While there’s a six month grace period from the time students graduate until repayment begins, sometimes it takes six months or longer to find a job.

Many recent graduates who are employed are underemployed — working part-time or temporary jobs until they find a permanent position. During this time they may need help in making loan payments.

New college graduates can use several strategies to help with student loan repayment. Taking on additional part-time jobs or freelancing may be an option.

It is also wise to keep living expenses low the first few years out of college. Graduates can live with a roommate, or downsize into a smaller apartment. If new graduates are still looking for a job, it may be a good idea not to move until permanent employment is found. Then it will be easier to move to an area closer to the job.

Applying for a forbearance may help during times of difficulty making loan payments. A forbearance is temporary period of suspension of payments on a federal or direct loan after repayment has

How to Qualify For A Home Loan with Bad Credit?

Know Your Credit And Financial Situation And Choose Accordingly

Prior to making any kind of movement, you need to know exactly what your credit situation is and where you stand. This is the basics of any kind of negotiation and shopping for a loan is exactly that. You will also need to be aware of what your repayment capacity is in order to know what kind of payments you can afford without making much sacrifice.

Once you have your credit report which you can request for free to each credit bureau and you also have your budget in hand, you will have to request loan quotes from different lenders and compare what they have to offer. Then, you will be able to decide which lender and loan are the right ones for you. This is research prior to decision; the smart way to go.

Make Prior Credit Improvement, Do Not Wait!

Improving your credit is a must if you want to secure a home loan. Thus, you should not postpone credit improvements. You should do whatever possible to increase your credit prior to applying for a home loan. This includes paying off due bills,

Different Options about Home Loans

Type # 1: Mortgage Loan

This is the most traditional and common of all home loan types and was probably the first one you thought of. This loan is a secured loan, you will purchase a home while pledging that very same property as a security for the lender. Usually, lending institutions require a “down payment” ranging from the 20% to the 10% of the value of the home. Some lenders might be willing to finance 100% of the purchase but it is not advisable to do so as you will not have any equity on your new home. This is generally a very long-term loan.

Type # 2: First Time Home Buyer Loan

This type of loans works more or less the mortgage loan, except for the fact that it has been especially designed for those who have not owned a house before and offer some benefits the regular mortgage loan does not. It is common for lenders offering this type of finance to be able to tailor the loan terms following the applicant’s desire and particular needs. The lender might limit the amount of money you will be able to obtain, but in

How to Obtain the Money for that Much Needed Home Down Payment

Resort To Saving

This is the most obvious alternative when it comes to gathering money for an investment, but most people discard it because they feel it will be a hard task to carry out. Their prejudices might prevent them form achieving their goals. Saving can be tricky, but it is all a matter of willpower and determination. If what you desire the most in this world is to own your own home, would you not make some sacrifices to achieve this dream? Saving takes sacrifice and effort, but it is nowhere near impossible.

Cut down on some of your expenses, start dining out less, begin spending less money on unnecessary things and you will be able to save a portion of your salary without much effort. You might not be able to come up with the full sum for the down payment, but at least part of it will be in your pocket.

Resort To Your Family

In times of financial hardship, the closest members of our families are usually the first ones to offer help if they can provide it. Why not resort to them for financial aid? More often than not,

Common Questions about Cash Advance

1. What Is A Cash Advance?

Cash loan or a payday loan is a fast and convenient way to get instant cash until your next payday. It is a great way to bridge the gap between two paydays. There is no compulsion on how you use the loan. These short term loans can be used for anything such as credit card bills, car breakdown bills or some emergency medical bills.

2. How Much Cash Is Available With Cash Loans?

This varies from lender to lender. Generally you can get $50 to $1500 as a payday loan.

3. What Are The Criteria For Approval To Qualify For Cash Advance Loans?

To qualify for the payday loan you must to be an adult and a citizen of the US citizen. You must have a valid checking bank account. Your regular monthly income should be more than $1000 and you should have a stable job for at least the past 3 months.

4. What Are The Charges Applicable For Cash Advance?

Since payday loans are short term loans and do not require any collateral, the interest charges for these loans are generally high compared

About Cash Advance

Applying for a payday advance is extremely simple. All you need to do is locate a reliable fast cash loan lender and request for an application form. You can either visit your nearest payday loan centre or apply online. Applying online is the easier option of the two as you are guaranteed complete privacy with it. Besides you don’t have to stand in long queues outside banks as the entire procedure for applying for a cash advance can be completed from your home or office.

Once you locate a lender, remember to ask him all that you need to know about the terms and conditions put up by him. Understand the repayment terms and the interest rates. The interest rates vary largely from lender to lender. So it would be best if you can compare the rates offered by a few lenders before you finalize one.

Besides the above, make sure that you do not pick an extremely cheap service as you never know the problems that you might have to face due to them. The safest bet would be to stick to a reliable and a reputable payday loan lender to do the needful.

Information about Credit Card

First and foremost credit cards provide flexibility. You only pay interest on the money you actually withdraw from the card. This is in contrast to an ordinary consumer loan where you pay interest on the full amount from day one. Many people obtain a credit card in order to have available cash. This is also a great advantage, and as mentioned you will not pay interest until you actually spend money from the card. Also many cards offer a period free if interest. Simply stated, we can say that credit cards can be used to even out the private economy and for many it is a necessary reserve for unforeseen expenses.

Credit cards are also helpful in relation to control of personal finances. If you pay by credit card you will get a monthly overview of what you actually use, making it easy to control expenses, and is therefore a good tool to use when you create budgets. It requires of course that you pay the invoices on your credit card before the interest accrues. Failure to do so could prove to be a costly affair.

Other benefits are discounts from particular stores or companies, bonuses