Personal Finance Library
Personal Finance Basics
5 Ways to Absolutely Destroy Your Finances!
Ben Stein has a book called "How to Ruin Your Financial Life." To be honest, I'm
not sure an entire book is needed on the subject-there are some fairly quick and easy ways
to accomplish the task. (Before continuing, let me be clear that I do not actually
recommend such activities-This is a reductio absurdum argument, meant to spur an opposing
realization.)
Understanding and Controlling Your Finances
Have you ever wondered what it would be like to be able to have complete control over your
finances?
5 Steps to Healthy Spending Habits
Next to our physical health most of us are primarily concerned with our financial health,
and with good reason. Although our intentions are usually great our follow-through and
discipline generally isn't. Mere mention of the word budget or cutback sends us into fits.
Saving Money - The Magic 20 Percent
Saving money is not easy and is made more difficult if you have a short-term outlook
regarding your personal finances. If, like many people, you are living from one pay cheque
to the next, it is difficult to put some money aside for a rainy day or for a summer
holiday. But what if you were to change your financial outlook into a medium to long-term
one? You might believe that you cannot afford to think ahead and make plans, but in most
cases you would be wrong. Most people should be able to save some money and with some
effort, maybe even as much as 20 percent of their salary each month.
Financial Fitness - Are You Exercising the
Right Muscles to become Financially Fit?
Are your financial muscles well toned and healthy or flabby and weak? Do you want to
change your relationship with money so you can have control over your financial future or
do you want to continue to complain that you don't have enough? Exercise these 10 muscles
to achieve Financial Fitness.
How You Feel Affects How You Shop & How Much
You Spend
Have you ever stopped to think about how your "mood" affects the way you shop,
not to mention the amount you spend? Think about it. If you want to save a lot of money,
avoid shopping whenever you are in one of these moods...
Why We Are Never Satisfied with What We Have
Most progress has something to do with wanting more, better, different. But it isn't
always good. People jump from relationship to relationship, place to place seeking what
they didn't find in the previous opportunity. It's worth considering, for a moment, that
maybe we don't take full advantage of the opportunities that exist, right where we are.
Home Economics
Top 10+ Ways to Jumpstart your New Year's
Finances!
Of course, these don't have to be done in any particular order! Just pick one or two that
particularly apply to your situation.
Grocery Savings - Your Kitchen is a
Goldmine!
Your food budget is the most flexible area of your household budget. Grocery savings will
free up a significant amount of money if you need to balance the budget, or fund your
savings accounts.
Save Money Off Your Home Utility Bills
Many don't realize that our basic utility bills provide the perfect money saving
opportunity for practically every household! Especially with today's energy crisis so
prevalent throughout many of the states, you've probably heard this term - conservation.
Tips On... Saving Money
on Prescription Drugs
At least 28 states now have established or authorized some
type of program to provide pharmaceutical coverage or assistance, primarily to low-income
elderly or persons with disabilities who do not qualify for Medicaid. Most programs
utilize state funds to subsidize a portion of the costs, usually for a defined population
that meets enrollment criteria.
Stretch Your
Eldercare Dollar
Elders fear outliving their retirement nestegg, so we put together a few of our best
dollar-saving tips to help.
Budgeting
Money Saving Tips. Maximize Savings on Everyday
Items!
Frugal living is more than a lifestyle. It's a passion. Call Me Crazy! I love it! Why, who
wouldn't love getting paid to buy products that they use everyday? Here's how I do it.
Budgeting -- The Critical Flaw That Causes Most
Budgets to Fail
Budgeting. It's a word we're all familiar with. Everyone knows what a budget is, right?
Yet how many of us actually make and stick to a solid monthly budget? The truth is that
most of us start out with the best of intentions, but an unexpected expense comes up and
busts our budget.
Budgeting your Savings - Did You Let Your Piggy
Bank Get Away?
I think most of us have at some point in our lives. Some how we forget to feed the little
piggy. And, like most neglected "pets," your piggy bank will disappear if you
don't feed it. A personal budget is important to create financial independence and setting
goals for feeding that "piggy bank" should be an important part of your budget!
How To Free-Up 10% to 15% of Your Income
Would you be interested in freeing up 10% to 15% of your current income? Just imagine what
you could do with this money. You could pay down your debts, increase your savings, or
work toward that next important purchase that you have in mind. Wouldn't it be exciting to
actually have money left over at the end of the month?
Budget Planning - Its Elementary My Dear
Watson
Does it feel like you have to be Sherlock Holmes to solve the mystery behind balancing
your personal budget? Are you living a mysterious thriller where your realization of
"financial independence and security" is a vicious repeating cycle of debt?
Don't be afraid.
How to Draw a Personal Budget that Works
Many people spend their little income haphazardly without any planning and end up getting
broke before month-end. They then borrow to make ends meet and end up with more problems
that they fail to repay their debts promptly.
Creating A Household Budget
Creating a budget can be a very difficult task. Although we as consumers know that we need
to pay our bills, buy our necessities, and put money away for savings, we don't really
know how to start.
Developing a Budget? Watch Out for Those
Budget-Bursting Gremlins
f you've developed a household budget to get your spending back in line or to just reduce
stress, good for you! Creating and sticking to a budget isn't easy by all means. But it
represents the best way by far to manage your finances so you can relax and worry about
other things.
Recommended Books
Available from ElderCare Online™ www.ec-online.net ©2006 Prism Innovations, Inc.