Category Archives: Budgeting

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.
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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:
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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.
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7 Ways To Start The New Year Off Right Financially

It never hurts to start thinking about your financial comfort. The beginning of the year is a great time to do it, even though any time you decide to do it is also a great time.

Numbers And Finance
Ken Teegardin via Compfight

It’s in that vein that we give some general tips on financial planning, spending, budgeting, taxes, or other things that, because 2014 is right around the corner, is a good way to start planning for your financial future, or addressing some things in your past. We don’t call these resolutions because we’re not trying to change you just to change you. We hope to make you think about some financial aspects of your life and how you can feel more comfortable with just a few changes; okay, 7 changes. Here they are:
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5 Reasons Why You Might Need Financial Counseling

There are different types of financial counseling one might needy. The truth is most people need financial counseling in one way or another, sometimes multiple ways. Whether it’s to make money or save money or not get penalized because of how the money is used, it can help to speak to a professional.

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r. nial bradshaw via Compfight

Does that make sense? If not, don’t get discouraged. We’re offering 5 reasons why you might need financial counseling, and what type of counseling you might need.
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