Top Five Ways To Save Money


When it comes to saving money, most people have big dreams about where they’d like to be, but few have the tools they need to reach their goals. Below is a quick guide to the top five ways of saving money–all methods that anyone in any financial state can stick to in order to come closer to their dream amount of money.

5 Ways To Protect Yourself Against ID Theft


You guard your house by having an alarm system. You guard your car by locking it. You guard your money by putting it in a wallet inside your pocket. Well what are you doing to protect your identity? If the answer is nothing, you may already be a victim of identity theft and not even know it.

While you may not make yourself completely immune from identity theft, you could however use some common sense tactics to decrease your chances of having your identity stolen. Here are five ways you can protect yourself from being the next victim of identity theft.

3 Simple Ways To Improve Your Credit Score


If you have bad credit you might think you are doomed to ride the city bus and rent a house your entire life. Items such as a bankruptcy or debts in collection are going to ding your credit. These negative items will stay on your report for the next seven years. So you may think that you’re screwed for several years. But that might not be the case entirely. Sure, bad mistakes made when you were younger are indeed going to hurt you, but there are things you can do to to boost your credit score right away.

5 Point Checklist To Get Out Of Debt


Getting out of debt is not easy, but it is possible if you have a plan to destroy your debt. While these steps may not be sexy, they will work if you stick to them. Here is your blueprint to pay off your debt and get back in the black.

3 Situations Where Payday Loans Make Sense


Usually when most consumers hear the phrase “payday loan”, alarm bells start ringing in their heads. Who can blame them? The media has painted payday loans as the bad guy.

Well, the reality is that, payday loans are exactly what they are: they are loans. They are neutral financial instruments that can produce a lot of good in the hands of some people and could produce a lot of bad when abused by some other people. That is the bottom-line.

Hidden Tax Benefits Of Using A Credit Card


It’s easy to focus on the harms credit cards can cause us. But that’s actually quite unfair because, if you look at it, credit cards are just neutral personal financial utensils. That’s what they are, they are simply tools we can use effectively. And just like with any tool, you can do something good with it or you can abuse it. It’s not the tool (the credit card) that’s the problem but the person using the tool – that’s the bottom-line.

How To Teach Kids Of All Ages About Money


As a parent, one of the most important things you can do is educate your children about money. It’s important for kids to not only know what money is, but how to use it and how much value it really has in society. Teaching your kids about money during three important phases in their lives will have a lasting impact that will last them throughout their lives.