Cobwebs In Your Purse? These Ideas Could Help You To Raise Funds This Year

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Nobody wants to spend 2017 without enough money in the bank. Getting by on next to nothing might be possible, but it certainly isn’t enjoyable. With that in mind, I wanted to release a post that shows people how to raise the capital they require. I’m going to make a couple of simple suggestions that could make all the difference. At the end of the day, sometimes you have to think outside of the box. For that reason, it makes sense to keep your eyes peeled for alternative solutions. However, for most people, the information on this page could help to turn their situations around.

 

Look for home refinancing deals [Read more…]

My Bank Account Is Empty. Now What?

Most of us have been in a situation where we have been dreading getting our bank statement through the post. We know that as soon as we open that envelope we will see that are bank balance is zero or is as close to zero as it is possible to get. The problem is that it isn’t just a financial matter: having an empty bank account can also make you feel overwhelmed and hopeless too.

 

Fortunately, there are many ways that you can save money and pull your bank account balance out of the red and into healthy territory. All it requires is a few changes to your habits, and you’ll be back on the road to recovery in no time.

 

Leave Your Credit Cards At Home

 

Credit card companies are ingenious in the ways that they entice us to spend more money. They do this so that we have to pay off large balances at the end of the month, netting them large interest payments in the process. Owning a credit card can be expensive, so the advice from MoneySavingExpert is to leave your credit card at home where you can’t use it. When you go shopping, only take the cash that you need and no more. If you can’t leave your credit cards at home, ask a friend to intervene by cutting them up. [Read more…]

Has Christmas Left You Skint? Give These Hacks A Try To Ensure That The Same Thing Doesn’t Happen Again!

In terms of finance, January really is a blue month, or at least, it is for a lot of people. If you’re currently struggling financially, don’t worry you’re not alone. Christmas leaves a lot of us in the negative because it is just so expensive. However, just because Christmas can be expensive, that doesn’t mean it has to be.

 

If you want to ensure that this time next year you’re not in the same place as you are now, you need to be proactive and get prepared early, as that way you can ensure that your finances stay healthy over the festive period and you don’t end up struggling to get by post-Christmas.

 

Want to know how to ensure that Christmas 2017 doesn’t write you off? Then keep reading, as all is about to be revealed!

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Too Much Month Left At The End Of The Money? Quick Cash Hacks That Can Save You From Borrowing

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Countless people find themselves perpetually in a state of trying to make ends meet. When there is too much month left at the end of the money, we’ll try anything to ensure that we don’t fall through the gap. We’ll look at any advice out there on how to make that money stretch just that bit further.

 

All too often that advice is not written or spoken by people with a real idea of what it’s like to struggle. Oh, so you’re saying I should swap out premium brand products for cheaper alternatives? Let me just put back these six bottles of champagne. Of course, you’re right! By halving my caviar budget, I’ve saved enough to pay for gas until February! Thank you!

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Borrowing Money The Smart Way

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As much as we all try to avoid loans or borrowing in general, sometimes it’s an unavoidable necessity. The thought of borrowing money and having the thought of that debt looming above your head does not, however, have to be quite so worrisome, if you’re prepared for the situation.

 

Always plan ahead.

This sounds like an obvious piece of advice, but you’d be surprised how many people in debt only ended up there because they lost track of how much they were borrowing.

 

It’s easy to tell yourself that you don’t have enough disposable income this month, so you might as well take out a small loan to fund that nice holiday away, or the new kitchen you’ve been craving for a long time. However, if you didn’t have enough disposable income for that purchase this month, then it’s going to be quite a few months’ worth of repayments before that debt goes away; that one “small” debt. As soon as you’ve done this multiple times, the money adds up quickly.

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Different Loans You Can Get in Your Life

There may well come a time in your life when you need to think about taking out a loan. And you will need to make a decision about the sort and type of loan you’re going to go with. So, you’ll have to understand the most important loans you can get in your life.

Mortgage

Anyone looking to buy a property will need to think about taking out a mortgage. This is the most common route people will go down when they want to buy a home. There are a variety of home loans on the market including variable, fixed-rate, and split-rate. You need to meet with a mortgage advisor and figure out the best home loan option for you and the family. This will help you to afford the home you want, and will prevent you getting into financial difficulties. [Read more…]

File your taxes for FREE with H&R Block

File your taxes for FREE with H&R Block this year, and get your maximum refund!!  

 

 

Top Tips For Getting Your Finances In Order

Money makes the world turn. It might not be the single most important thing in our lives, but it’s certainly up there. Regardless of your current situation, creating a better financial future is probably high on your ‘to-do’ list.

 

It’s not only the key to a brighter future for yourself. This is also a key factor for providing your children with a better life too. Financial issues cannot be overlooked by anyone. With these handy tips below, you’ll soon find that yours are in a far healthier condition.

 

Here’s everything you need to know:

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What is your Families Biggest Investment? It’s NOT your home or car…

 

I’ve often heard that the biggest investment you will ever make is purchasing a home!!

Boy was who ever told me that wrong!!  HANDS DOWN my biggest investment is most definitely my KIDS!!

In 2011 it was estimated that it costs $295,000 to raise a child to age 17, not including college!!  

It’s time to stand up and take charge of your biggest investment!!

Help teach your children financial responsibility from a young age!

Here are some ways you can do this:

1. Make your kids aware~share how much it costs to fill your tank for example. Maybe they’ll think twice before asking you to run them to their friend’s house across town!

2. Make a conscious effort to share on big ticket financial items. Show them how comparison shopping pays off.

3. Help your kids enjoy work and earning money.  Set goals and enlist an online chore chart to help your children choose rewards and watch as they work towards their goal!!

4. Don’t cultivate entitlement,  tie work to reward.  Hold them to a high standard when helping around the house. It will help instill good work ethic. You may hear some complaining along the way but it will be worth it in the long run.

5. Consistency counts!! Repetition is the key to learning!!  Start them early with chores around the house that will help them learn how to be financially smart.

Raising your kids has an enormous price tag, but it’s worth every dime, especially when you start to see a return on your investment.

 

Assistance for Unemployed!!

Are you unemployed?

Now there is Additional help available for unemployed Americans!!

Unemployed Americans can now get access to several additional unemployment benefits

CLICK HERE to Learn More 

Even if you already receive benefits, this assistance can provide additional financial help.