3 Reasons You Struggle With Money Payday After Payday

3 Reasons You Struggle With Money Payday After PaydayDo you feel poor even a day or two after you receive your paycheck? Do you feel like someone is stealing your money even when you know it’s not the case? Does it feel like your income disappears mysteriously as days go by?

Perhaps you need to ask yourself why it feels like a struggle just getting your finances in order payday after payday. There are 3 major reasons to look into.

You Have No Concrete Plan for Your Personal Finance

Struggling to make ends meet in between paydays is one of the obvious signs that you have poor personal finance planning or none at all. Without a system to monitor your money, you will definitely suddenly feel your income disappearing into thin air because you can’t trace the little amounts you spent for trivial items. So what can you do?

Protecting Yourself From Identity Theft

As we move away from a cash based system and rely more on plastic the crime of identity theft has seen a remarkable increase. Having your identity stolen can wreak havoc on your credit score. It can leave stains that take years to clean up. Often times you do not even know you are the victim of identity theft until you begin to receive collection calls or you go to apply for a loan.

So how can you protect yourself from becoming a victim of identity theft? Follow these simple steps.

5 Safety Tips For Online Shopping


Online shopping is convenient and for that reason it has been steadily growing in popularity since the internet first made its way into homes throughout the world. In today’s technology age, it’s not only easy for consumers to make purchases online, it’s also easy for fraudsters to take advantage of vulnerable consumers and wreak financial havoc.

Saving Is Not Enough


Did you know that the money you parked in the bank is rotting? You are probably wondering how this could be since money is not perishable. Well, the truth is the amount of cash you have in the bank will, after a while, buy less goods. Given enough time, your money in the bank, the same money you spent so much time and effort and sacrifice saving and scrimping, will be worth absolutely nothing. That’s right-zero, goose egg, zilch. Welcome to the dismal world of inflation.

Saving Alone Won’t Do You Any Good


Every kid in America and elsewhere knows that he or she should ‘save for a rainy day.’ Teaching kids to save at an early age is definitely a good idea and parents who train their children to save are training them to be financially responsible when they become adults. You really can’t start too young on this important financial habit.

6 Ways to Save On Toy Purchases


Kids are one of the most expensive adventures you’ll ever undertake. Their daily care items can cost a small fortune, but that’s nothing compared to the mountains of toys you’ll gladly buy them. Fortunately, there are ways you can save on toys without sacrificing fun.

Read on to discover 6 ways you can save money on toys for your kids.

5 Financially Responsible Things To Do With Your Refund


It’s that time of year again, and if you have not filed your taxes yet, you might want to hurry. While you might feel tempted to procrastinate and put it off for later, doing so means it will take longer for you to receive your tax refund check, and nobody wants to wait.

Building A Nest Egg With Small Pay-Checks


Low paychecks do not mean that retirement planning is impossible. While some non-profit organizations offer retirement plans to employees, most other organizations expect employees to chart their own course.

So, how do you save up for retirement if you’re in a low-income career path?

Saving Money Does Not Have To Be A Chore

Let’s face it-self-denial is not exactly popular in America nowadays. Why should it? Every ad, it seems, hype a product’s ability to deliver instant results at the user’s maximum convenience. Products that require some sort of intermediate efforts on the part of the consumer is looked at with disfavor. America, it seems, is always looking for the next big thing when it comes to convenience-instant results means instant happiness.

Use Credit Cards To Put Money In Your Pocket


Did you know that you can use your credit cards to put money in your pocket instead of draining money from it? This might seem like it is too good to be true but this is what many people are doing. The good news is you can do it too.

What’s the secret? No, this post is not hawking some ‘secret’ e-book that will show you how to convert your credit cards into money making and money generating cards.