Financial freedom is not just about having money. Rather, it is about being able to run your life according to your needs and wishes. Instead of money being a burden and source of constant concern, the goal is to put yourself in a position in which you call the shots. That way, when unexpected…
Top 10 Budgeting Tips to Get You Through College
College students are often tight for cash, squeezed from all sides by tuition fees, textbooks, accomodation, not to mention food and other necessities. That is why it is very important that you are able to budget effectively, if you want to finish college with your finances in good shape. Here are the top ten budgeting…
A Better Way to Save For Retirement
Recently I read an article in the Washington Post discussing ways to “fix” the current retirement savings problems in the U.S. It is no secret that many Americans are vastly undersaving and will not be able to meet their retirement needs. You can find the article from the Washington Post here. Problems With Current Retirement Plans…
Great Advice On How To Invest Your Money In The Stock Market
TIP! It’s very important that you select an industry that you have some familiarity with. Being familiar with an industry better equips you to interpret information about companies within it and make better decisions on their stocks.Although many people are excited about the stock market, you need to think before making an investment. This article…
College Debt – Is It Really Worth It?
College debt is a major problem in North America. In 2010, the average student loan in North America has surpassed the $25,000 mark. American students alone have a combined student loan of approximately $1,000,000,000,000 dollars. But in reality, $25,000 of student debt is quite manageable; however, what is disturbing is why it takes the average…
Debt Reduction Strategies to Free Up Cash Flow to Invest
Reduce debt and find money for investing The beginning of the year signifies change. Go to any gym during this time of the year and you will notice an increase in new members. That’s because a lot of people decide that with the new year they are going to get fit and create a new…
Looking Back at 2008 While Looking Ahead in 2009
A little over a year ago I wrote down our family’s financial goals for 2008. It’s been awhile since I sat down and reviewed the goals, and honestly I was a bit nervous to see how far off track we’ve come. “Pay off Debt” -We are not debt free yet and I’m a bit disappointed that we still…
Kick Impulse Spending to the Curb – 10 Questions to Ask Yourself
This weekend was a tough weekend that tested how much I’ve changed my shopping behaviors this year. First test? A craft fair right outside the salon where I got my hair cut on Saturday. Second test? The cell phone store with Bluetooth headsets on sale. Both times I stepped out of the situation and asked…
Why a Little Creativity Will Help You Get Out of Debt
Anyone that has tightened up their purse strings in order to pay off debt knows that cutting down on eating out, entertainment, and other purchases can be really difficult to adjust too. But there is no need to lead a boring life stuck at home when you have little or no money left in your…