Protecting Your Identity
“If it sounds too good to be true, it probably is.”
If more consumers made this their mantra when faced with financial decisions, there would be very few successful scams and rip-offs in this world. Unfortunately, that is not the case. Thanks to the Internet and quick and easy banking options, fraud and scams have been increasing exponentially around the globe in recent years. Continue reading “Protecting Your Identity” »
Maximizing Benefit of Tax Refunds
It’s tax return time. Many households are receiving tax refunds now or will over the next month or so., but too often, these refunds – which can amount to several thousands of dollars – are spent on consumer goods. Such emotion-based consumer spending typically has no significant impact on the household’s net worth or financial stability. Instead, it tends to perpetuate the mindless spending cycle that keeps too many American households stuck in the rut of paycheck-to-paycheck living. Continue reading “Maximizing Benefit of Tax Refunds” »
Seven Ways to Make Debt Consolidation Work
Making Debt Consolidation Work
Debt Consolidation can be a great way to dig yourself out of debt. Following the following tips can make your experience a bit easier and more rewarding.
The most important thing to keep in mind is that Debt Consolidation isn’t an overnight fix and will take time and patience to make it successful.
Hence the number one tip about how to make Debt Consolidation work:
1. Remain patient. For many of us wanting to repay our debt there is no quick or easy way to do it. The act of debt consolidation can be tedious and time consuming. Just remember to keep your efforts and your spirits up because at the end of it all your goal is to be as debt free as possible. The reward is well worth the wait. Continue reading “Seven Ways to Make Debt Consolidation Work” »
Credit Card Relief
In desperate need of relief from your overwhelming credit card debt? Truth is your not alone.
Things can tend to spiral out of control when your credit cards are at their maximum and you find yourself paying more and more towards interest and less towards the balance of the cards.
Relief can come in various forms and not all will require you to seek outside help. Continue reading “Credit Card Relief” »
Resources for Dissatisfied Consumers
Businesses rely on our purchasing decisions for their own success, which gives us, the consumer, the power to determine whether a company stays in business or not. But what if you have already made a purchase or received your service and are dissatisfied with it? What types of actions can you take to rectify a disappointing situation? Continue reading “Resources for Dissatisfied Consumers” »
Financial Resource of the Week – Cool Energy Savings Tips by PG&E
Cool Energy Savings Tips by PG&E
Are you used to high energy bills in the Winter? Want some low to no cost relief? This week we’ve chosen the PG&E as the Free Financial Resource of the Week.
Try following some of these tips to help reduce your energy costs. Continue reading “Financial Resource of the Week – Cool Energy Savings Tips by PG&E” »
Financial Resource of the Week – www.Mint.com
This weeks free financial resource is www.mint.com.
Mint.com is a free personal finance software, budget software, and online money management and budget planner service that allows you to track your bank accounts as well as your income and set goals and see your spending habits. Continue reading “Financial Resource of the Week – www.Mint.com” »
Teaching Children Finances – Children’s Books about Money
Children’s Books about Money
Here is a list of books that can help your child understand certain financial concepts. The books are in alphabetical order and age levels are provided for each book.
A Bargain For Frances by Russell Hoban. HarperCollins, 1970. Age 5 and up. Frances saves and saves for a china tea set. Her friend Thelma tricks her into buying an old plastic tea set. Thelma says there are no “backsies” on the bargain. Frances finds a way to get what she really wants. Continue reading “Teaching Children Finances – Children’s Books about Money” »
Financial Resource of the Week – My Money Management Calculators
While researching personal money management calculators I came across the website www.mymoneymanagement.net and thought I would share them with you.
My Money Management is described on their website as:
“At My Money Management, our mission is to help you prosper by knowing how to make sound financial choices. We’ve collected some of the best information, tools and resources to tackle challenges like foreclosure and managing debt…” Continue reading “Financial Resource of the Week – My Money Management Calculators” »
Teaching Children Finances – Budgeting Worksheet for Children
Budgeting is a valuable lesson that we can teach our children at an early age.
We can begin by creating an allowance and helping teach money management values through various hands on examples.
MoneyandStuff.info is self described on their website as a free financial resource from the financial experts at Ohio’s Credit Unions.
They’ve created a budgeting worksheet for children, as well as teens and adults. You can view and download the ‘Sample Monthly Budget for Kids’ by Clicking Here.
The worksheet is simple and helps a child identify what their ‘wants’ are and what is needed to reach their goal. The worksheet also asks the child to identify why they want something, which can lead to critical thinking such as ‘Is this worth it to me?’ Continue reading “Teaching Children Finances – Budgeting Worksheet for Children” »