Although not hard and fast, rules of thumb can be quite helpful in making decisions and achieving goals. You may have rules of thumb for finding a job or going to the grocery store. How about financial rules of thumb? These will help you manage your money and reach your financial goals. Basics If you’re the type of person who spends money as soon as it comes in, you’ll benefit from this one. Pay yourself first! This means as…
There’s always a lot of focus on ways to save money, stretch your budget, etc. But what about things you’re spending money on that you could allocate more effectively elsewhere? Not surprisingly, there’s some commonalities for most people’s biggest money wasters. How many of these are part of your current spending habits? Dining Out According to a calculation on Credit.com, making oatmeal for breakfast at home 3 days a week for a year costs about $25. Buying that same…
Do you make a good salary but still feel like you struggle to find money to pay the bills every month? Or maybe you run out and spend your paycheck the minute it hits your bank account – forgetting that you've already got bills and credit cards to pay. Money management sounds scary, and many people are overwhelmed and don't know where to start. The good news is that with just a few simple skills, you can change how…
No one likes being in debt, but it can be tough to figure out how much to pay and how quickly to maximize your paycheck and get out of debt. When you apply for a loan at a bank, they look at your debt-to-income ratio with the expectation that your monthly debt payments are less than 36% of your gross income. Ideally, you want that figure to be 10%, but even 20% is quite good. With that in mind,…
For many people, budgeting can be tedious and stressful. It seems easier to avoid it – and in the short term, it may be. But you know that long-term you need to have a budget. Thankfully, it's a lot easier to create a budget with the help of some great apps. No more tearing your hair out in front of an Excel spreadsheet – try one of these specialty apps instead. Disclosure: This post may contain affiliate links, which…
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