Category Archives: Budgeting

Some Financial Tips For 2024

Many people are still having problems with their finances, and it’s scary. Some know they’re not making enough money, which is obviously a problem. Some don’t think they’re making enough money because they’re in debt, and what they probably need is some budgeting advice. And some know they’re making enough money, they’re spending that money, and not planning for the future.

Alexander Grey on Unsplash

As always, we’re here to help. This is an easy money to-do list to help give some guidance for everyone as it regards how to handle your money. It’s not overly comprehensive because we don’t want to confuse anyone, but we believe it could help a lot of people. Let’s begin.
Continue reading Some Financial Tips For 2024

Using A Credit Card As Part Of Your Budget

Over the years on this blog, we’ve talked about the dangers of using credit cards unwisely while also trying to find ways to be able to get yourself out of the mindset of using them. We even talked about why, because of credit score issues, it might be wise to keep at least one card around and using it here and there to have a positive credit history.

Something we should have considered is that there might be ways to take care of your budget and your credit score by using credit cards as part of your budgeting efforts. Actually, we’ll only say “one” card; we don’t want to be fanatical!
Continue reading Using A Credit Card As Part Of Your Budget

Payday Loans, Structured Settlements & Other Dangers

We recognize that there are times in almost everybody’s life when cash is low. You get worried because you have bills to pay and you need to put food on the table and it seems like you have very few options.

paying down bills safely

this won’t pay your bills either

There’s a business out on the market that’s known as payday loans. These are loans that some financial institutions will give you when you’re waiting on your next paycheck but you need some cash now. The loans can be as little as $20 and the skies the limit on the other end. On the surface this might sound like a good investment in a way to get yourself out of danger, but it’s not.
Continue reading Payday Loans, Structured Settlements & Other Dangers

4 Important Things You Should Be Budgeting For

We talk budgets all the time because things come up that we all suddenly need money for. Just last week one of our clients needed to pay for a quick airplane ticket and if he hadn’t had the extra $1,000 available, even if it left his account depleted, he’d have had some real problems.

Suffice it to say, most of us live paycheck to paycheck. If we budget at all, it’s to make sure we can pay the bills we currently have, buy food and maybe partake in a bit of entertainment. And yet danger is always lurking around the corner. Thus, these 4 things you probably need to think about:
Continue reading 4 Important Things You Should Be Budgeting For

Paying Down Debt Is Essential To Your Financial Health

Years ago we bought something that was a want but not a need. We thought it would bring joy and health to the family, but it never worked properly. Within six months we decided the monthly expense wasn’t worth it and we got rid of it; it was a nice dream but we didn’t receive any benefits from it.

graffiti, Leake Street

duncan c via Compfight

Once it was gone we thought about what we might get next with the money we weren’t spending on the useless item. Instead, we decided to go the smart route and use the money to pay down more of our debt.
Continue reading Paying Down Debt Is Essential To Your Financial Health