Savings Tips For Millennials

A lot is written about financial strategies for millennials, and with good reason. Despite the much-publicized entrepreneurial spirit of the current generation of young professionals, there are some very serious economic disadvantages that have fallen on the shoulders of the same group. Massive student debt, lack of access to retirements funds, falling wages, and scant job opportunities with concrete career paths are crippling millennials these days, no matter how much initiative they show to start their own businesses. A lot … Read More

Off-Season Steals — Ways to Save by Buying Against the Grain

Sometimes the early bird does not get the worm when it comes to shopping. If you are looking to tighten your budget, it may pay off to to be a little late. From booking off-season flights to buying summer clothes in winter, here are a few unseasonable purchase ideas that will help you find new ways to save. Do the Math A great method of saving money is to let the numbers work for you. Retailers estimate a certain number of … Read More

Digital Tax Fraud: How to Protect Yourself

Even though the focus right now is on the holidays, it won’t be long before tax time rolls around and digital tax fraud becomes rampant. Read how to become more aware and more diligent for protecting your information. According to the IRS, a Security Summit with public and private tax administration leaders met to discuss ways to combat the rapid rise in digital tax-related identity theft. Led by IRS Commissioner John Koskinen, the group reached an agreement on a series … Read More

5 Tips for Staying on Top of Your Money

By Judy Lawrence, M.S. Ed. Financial Counselor, Money Coach and Author of “The Budget Kit 6th Ed.” 1. EXPECT THE UNEXPECTED Remember the last time your budget was thrown out of whack with some weird, unexpected emergency? The nasty dog fight that landed Fido at the vets. The washer breaking down when you had a load full of soaking, dirty clothes. And yes, that last precious bite that broke your tooth. You’ve heard it hundreds of times, but the “Pay … Read More

De-cluttering your Life Insurance Options

Are you caught up in the tidying and decluttering trend? If so, have you reached that overstuffed financial drawer yet? Or maybe you’re dealing with your elderly parent’s cluttered financial papers. One of the more daunting financial areas can be life insurance. A common issue with an old life insurance policy that you or your parents have had for years, is being stuck with premium payments for a policy that is no longer relevant to the current situation. I hate … Read More

The Simple First Steps to Financial Freedom

You’ve said it a million times, you need to get a grip on your finances. But this time you mean it because after looking at your empty bank account, yet again, you are starting to realize that there is no other option. It may not be comforting, but know that you are not alone. A recent Bankrate.com study found that 37 percent of Americans are one unexpected expense, like a big medical bill or car accident, from financial disaster. Although … Read More

Tricks to Save Money While Still Getting the Best Tech

Staying up to date with the best gadgets and tech gear can be an expensive hobby, but it doesn’t have to break the bank. Oftentimes, the expenses associated with tech are hidden from view and stack up quickly. U.S. News reports that, on average, Americans spend the equivalent of 17 percent of their monthly mortgage payment or rent on tech expenses. There are ways to cut down on your tech budget without having to go completely retro, such as the … Read More

Know Your Jargon: How Understanding These Terms Can Save You from Buyer’s Remorse

We are often confronted with phrases, ideas or technology we’re unfamiliar with when looking for products or services, and one of the easiest ways to waste money is to not understand what you’re buying. Buying something you don’t need or really want because you didn’t fully understand what was happening is a real waste of money. Plus it can often leave you with a serious case of buyer’s remorse. In a CreditDonkey survey on people’s shopping habits, more than half of respondents … Read More

Finance Majors — The Future Is Bright For You

Since budgets are related to income, it’s encouraging to learn of the latest job and income trends. The list of the 20 most profitable companies in the world, as compiled by 24/7 Wall Street, shows some important trends. Every company on the list (with the exception of Toyota) is either an oil, software or financial services firm. But the latter comprise four of the top 10, with Industrial and Commercial Bank of China earning the top spot with revenues exceeding $89 … Read More

Best Online Tools to Help Reduce Expenses

For many, one of the hardest elements of maintaining a household is managing overall finances, including spending and balancing a budget. Building a budget can be a stressful undertaking — in fact, the 2014 Stress in America survey by the American Psychological Association found that 64 percent of those surveyed felt that money was a significant source of stress in their lives. Often people think that tracking expenses is a budget. When actually a budget is a tool that helps … Read More

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