If you happen to be struggling with paying your bills, then debt consolidation might be a good solution for you. Debt consolidation is where you combine all of your bills and debt into one, so that you are making one single lowered payment that can be afforded. Consolidating helps you to lower your overall payment, [...]

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• Paying off Debt in 9 Steps pt 3 Part three in the series on paying off debt: There is a solution to your problems with debt. These 9 steps will have you paying debt off in no time. 6 - Hunt down a good home equity loan. If you own your very own home and you have accumulated......
• The Total Money Makeover By Dave Ramsey Dave Ramsey is a popular radio talk show host and author and his latest book, The Total Money Makeover has generated quite a bit of excitement. He claims that money management is 80% behavior and 20% knowledge, and there is a lot of truth to that. While the book covers......
• Untapped Riches: Never Pay Off Your Mortgage--and Other Surprising Secrets for Building Wealth by Susan Cutaia, Anthony Cutaia and Robert Slater On the surface, this book seemed like the ideal read. It has a strong premise of how to create multiple streams of income using debt leverage. That is a great premise and one that we follow and put into practice every day. It was such a disappointment that this book......
• 4 Tips to Getting Bad Debt Under Control If you are swimming in a sea of bad debt, keeping your head above water can be incredibly difficult. Thanks to our consumer culture, the availability of credit cards and a general lack of concern for what debt means, many people find that their bad debt is out of control.......
• Getting Out of Debt 102 Debt Elimination Step #2 - Next, you have to be able to establish an emergency fund. The step of establishing an emergency fund is going to take as many as several months longer, but it is well worth it when you see how far your savings have come in the......

Continue reading → Is Debt Consolidation the Right Option?

If you’re currently living paycheck to paycheck, or you would just like to have a little more financial security, the key is creating alternative forms of income. While to many people this means getting a second job, there are actually easier ways that you can start bringing in more money every month without having to [...]

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• Double the Income or Double the Expense Till Death Do Us Part Getting married is stressful and emotional, but when it comes to handling finances, things can get really scary. You’ll be combining two incomes in most cases and many people get the impression that they can start spending twice as much. This usually leads to double the expenses and a lot......
• How to Create Multiple Streams of Income The Easy Way Every single one of us would be thrilled to have more money coming into our homes every month. If you’re relying on one or two paychecks as the primary earnings for your income, you can relate that it’s pretty tough to get ahead. Everyday expenses chip away at our standard......
• 3 Reasons Why Paying With Cash Hurts You in the Long Term Many of us have been conditioned to think that living debt free is the only way to be. While there is some truth in this statement, if you’re completely debt free and using only cash, you’re hurting your chances of getting a new home, and you may end up in......
• Review: Nine Steps to Financial Freedom By Suze Orman When it comes to personal finance, there are few experts out there that are as popular as Suze Orman. She has helped thousands of people get their finances under control through her efforts on her radio show and through her books. Her no-nonsense, common sense approach appeals to many and......
• Top 3 Things to Learn About Personal Finance Regardless of your age, position in life, or your financial goals, there are a few things that we all need to learn about personal finance. Once you have the basics down, everything else can just flow naturally. These tips are the strong foundation upon which you can build your financial......

Continue reading → How to Create Alternative Income

Larry Winget is a best selling author that is known for his no nonsense style and sometimes brutal prose. His latest book is quite a read and true to form, the man talks tough. However, if you need a wake up call to stop overspending, this is definitely a great place to start. You won’t [...]

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• Personal Finance Credit Crunch Budgets are unfortunately quite the necessary evil when it comes to managing your own personal credit crunch. Everyone is going through a credit crunch, even those who have relatively healthy credit. The only practical way to keep yourself financially stable in this volatile market is to get a grip on......
• Start Treating Your Finances Like a Bank If you want to start making money, you’ve got to stop looking at your finances like a regular person and start treating your checkbook like you work for the bank. This is the key towards successful management of your finances and will help you grow your current income and create......
• The Two Income Trap By Elizabeth Warren and Amelia Warren Tyagi This was an absolutely fascinating read and its one of the few books that we truly recommend, especially to those with families. The main premise of the book is that our current system of having to have two incomes to make ends meet is what is driving individual family economic......
• How to Stop Living Paycheck to Paycheck Right now, more than 80% of households in the United States live on a paycheck to paycheck basis. This means that a lost job could result in financial disaster for a large chunk of the population. Once you get into the trap of relying so heavily on one paycheck, it......
• Review of the Millionaire Mind Thomas J. Stanley's follow-up to his well-received book The Millionaire Next Door, follows a pretty interesting premise. It basically picks the brains of millionaires to find out how they got their wealth and how they keep it. It certainly offers an interesting read and I do recommend it, but not......

Continue reading → You’re Broke Because You Want to Be by Larry Winget

For many people, one of the best ways to a better and much more established financial future has been to save money. For that reason alone, those who firmly believe in the immense power behind the act of saving money always find a way to put some of their money away for the purpose of [...]

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• Saving Money with Your Credit Cards pt 1 When it comes to personal budgeting, we tend to try to think of ways that we can cut corners while cutting down on any frivolous expenses in our lives. What many people are not apparently aware of however is that you can actually make use of credit cards to help......
• Book Review: The Automatic Millionaire: A Powerful One-Step Plan to Live and Finish Rich By David Bach David Bach is well known for his books, Smart Women Finish Rich and Smart Couples Finish Rich and in this latest effort, he goes into more detail on the techniques he discussed in these books. While the title would make you think it’s yet another get rich quick scheme, it......
• Stashing Your Cash If you want to access your money quickly, where do you put it? Where do you hide your emergency fund, in a cookie jar, a safe or in the bank? Knowing where to stash your cash is vitally important, and so here are some of the options that are available......
• Saving Money with your Phone There are a lot of different ways that you can cut down on what you spend in your household budget every month, and one such example is by saving money through how you communicate on the phone. Telephone services are easily capable of costing a typical family as many as......
• Saving Money The Right Way Many people end up spending money they simply do not have, or not saving nearly as much money as they should be saving. Do you feel that this is true about yourself? There are a wide variety of different ways that you can save money without breaking any laws. You......

Continue reading → 4 Modern Ways to Get Rich by Saving Money

No matter how wealthy or poor you are, there are financial traps that are waiting to disrupt your lives. Many people end up finding out too late that they are in the depths of one and it is nearly impossible to get out. However, there are specific steps that you can take to ensure that [...]

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• What Determines a Credit Score pt 2 Continued from part 1. Here is some basic information on what you need to know about credit scores and what goes into determining your credit score. Here is a word of caution for you to consider: If you pay off all of your collection accounts, especially those that are older,......
• The Dos and Donts of Credit Scores Pt 2 In an earlier post we talked about the Do's for good credit, so now it's time to consider the Don'ts! A credit score is a really important indicator on how likely you will be to default on a credit card or a loan. Your credit score is determined by a......
• Regularly Checking your Credit Score is Vital In these financial times which are clearly tumultuous and tight, it is absolutely vital that you take the time and make the effort to check on your credit report and credit score on a regular basis. This statement is more true today than ever before, because we live in a......
• Don't Close These Credit Cards A lot of people tend to close out their credit card accounts if they get too far into debt with their creditors. Apparently they have some kind of notion that this will make the debt go away, when this could not be further from the truth. Not only is this......
• 4 Easy Ways to Raise Your Credit Score For many Americans, dealing with a low credit score can be incredibly frustrating. It’s tough to get any loans and in some cases, it may even affect your prospects for employment. If you’re sick of dealing with a low score, it’s time to starting putting into motion some techniques that......

Continue reading → How to Avoid the Three Worst Financial Traps

Most of us think about retirement and panic. It can be tough trying to figure out how we’re going to survive and plan for our futures when we’re just trying to make ends meet right now. If you’re strapped for cash at the end of every month, chances are you are not saving anything for [...]

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• How to Protect Your Pension in the Credit Crunch As news of bank failures continues, and government officials are debating a $700 billion bailout plan, many consumers are starting to worry about the state of their pension plan. If you have it invested in the wrong stocks, you could end up losing it all, or at the very least,......
• Getting Motivated to Organize Your Finances For many people, the first steps towards getting your finances under control are the hardest. Whether you didn’t spend enough time learning about basic personal finance principles when you were younger, or life happened and you’re now at the bottom of a very large problem, it can be difficult to......
• Personal Retirement Plan Investment Options Good financial management consists of two different distinct facets, the first of which is learning how to make the best use out of your limited earned income in order to best meet your current expenses, and the second of which has to do with learning how to implement strategies that......
• Understanding Passive Income Streams Experts agree, one of the best ways to secure your financial future is by adding as many passive income streams as possible. However, there is a lot of confusion over what is meant by passive income streams, as well as how to go about it. Let's take a look at......
• Blogging is Big Business For those that are interested in building up alternative streams of income, blogging has become very popular. We've all heard about monetizing content, adding in advertising and finding sponsors, but there are some folks out there that have taken their efforts to the next level and seen they pay off......

Continue reading → Learning How to Finance Your Future

This is probably one of the most commonly used books by those who are looking to create wealth. It first came onto the scene in 1926, and shot to fame during the Great Depression as the desperate populace looked for a way out of poverty. While this book does raise many good points and offers [...]

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• The Dangers of Long Term and Interest Only Loans There are two new trends in the banking world that may actually be very dangerous for consumers. Long term personal loans and interest only loans are gaining in popularity, especially in the wake of the housing crisis. While these may seem to be a great option at the time, there......
• The Family CFO By Mary Allvine and Christine Larson Whether you are just starting out as a family, or the kids are already in school, there is a lot to be learned about managing the finances of a family. There are so many troublespots that families face, and few places to go for advice. We were very excited......
• The Benefits of Leveraging Debt to Create Multiple Income Streams Let’s face it, debt has managed to earn itself a pretty bad name in most circles, but in many cases, this stigma is undeserved. Debt, when used properly, can help you secure your financial future. While no one is arguing that improperly used debt is a bad thing, good debt......
• Travesty of the Debt Snowball aka Hello World I have a passion for personal finance... I can't get enough...  I read about it, I think about it, and now I write about it. Why does the Internet need another personal finance blog?  All personal finance blogs that I have read vilify debt, demonize it even... While such a stance is......
• Do You Go For the Gold Financially? Now that the Olympics are over, many people have been inspired to try harder, to live their dreams and to focus on their futures. These same feelings and motivation can be carried over to your financial life as well. There is no better time than right now to get your......

Continue reading → Review of the Richest Man in Babylon

Whether we realize it or not, many of us face financial risks every single day. From the high powered investor, to the minimum wage earner, every one of us has the potential to lose everything we own. How can you evaluate your financial risks and find ways to secure your future? Let’s take a look!
First, [...]

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• How to Stop Living Paycheck to Paycheck Right now, more than 80% of households in the United States live on a paycheck to paycheck basis. This means that a lost job could result in financial disaster for a large chunk of the population. Once you get into the trap of relying so heavily on one paycheck, it......
• Planning For Retirement Late in Life Not all of us have had the luxury of spending the last 20 years to secure our financial future. Most of the time, through no fault of our own, putting aside money for retirement takes a back seat to handling emergencies or schooling for our kids, or simply the daily......
• How to Create Multiple Streams of Income The Easy Way Every single one of us would be thrilled to have more money coming into our homes every month. If you’re relying on one or two paychecks as the primary earnings for your income, you can relate that it’s pretty tough to get ahead. Everyday expenses chip away at our standard......
• 3 Reasons Why You Need Multiple Streams of Income One of the hottest concepts right now is the premise of creating multiple streams of income. While everyone wouldn’t mind making a little extra cash, there are even more benefits that can be reaped from having more than one source of income. Let’s go over just a few of them.......
• Proper Diversification for Increasing Your Income If you're already leveraging your debt to produce more than one stream of income, you're pretty familiar with how the process works. However, it's really easy to get complacent when you're leveraging debt and you may be missing out on other opportunities if you're not looking outside your current comfort......

Continue reading → How to Evaluate Your Financial Risks

There comes a time in everyone’s life where they begin to take a hard look at their finances. If you weren’t born into wealth, you’ve worked hard to get where you are and it can be frustrating if you feel as though you’re only treading water. Every single one of us has the potential to [...]

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• How to Work Less and Make More Money With Multiple Streams of Income Most of us would like the chance to spend more time with our families, work a lot less and still bring in a sizeable income. If you’re only going to rely on your current income, the chances of that happening are pretty small, unless you’ve got an incredible job. However,......
• How to Keep Cash Flow Coming In One of the main problems facing Americans today is a lack of cash flow. As the economy gets worse and gas prices go up, it is getting harder to make ends meet. If you are completely reliant on your paycheck each month, the last few days or weeks of the......
• Keeping Track of Cash Flow - Your Household is Your Business You should create a budget to track your spending and get a handle on your finances. You plan out all of your bills, and the amounts look good. The budget is the first step in getting your finances under control. However, the budget is not the only step. There is......
• Managing Your Finances and Your Future One of the hardest things for many of us to do is to manage our finances properly. It can be hard if you’ve had no training and you’re used to just spending freely, whenever you want. There are thousands of people out there that can’t balance their checkbooks let alone......
• Supplementary Solutions for Debt Repayment There are a number of other things that you can do in order to improve your current money situation at the same time as you are working on the debt repayment solutions that we touched on in the previous three articles of this series. While you will be seeing results......

Continue reading → Are You Ready to Be a Financial Success?

This was an absolutely fascinating read and its one of the few books that we truly recommend, especially to those with families. The main premise of the book is that our current system of having to have two incomes to make ends meet is what is driving individual family economic meltdowns. How can more money [...]

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• Top 3 Things to Learn About Personal Finance Regardless of your age, position in life, or your financial goals, there are a few things that we all need to learn about personal finance. Once you have the basics down, everything else can just flow naturally. These tips are the strong foundation upon which you can build your financial......
• How to Stay Focused With Multiple Streams of Income One of the main problems facing those that have multiple streams of income is managing them. You can start to feel a bit like a juggler and chances are, you may be neglecting areas that could be performing better and making more money. Focusing can be tough, but there are......
• Learning How to Finance Your Future Most of us think about retirement and panic. It can be tough trying to figure out how we’re going to survive and plan for our futures when we’re just trying to make ends meet right now. If you’re strapped for cash at the end of every month, chances are you......
• Review: Why Smart People Make Big Money Mistakes and How to Correct Them By Gary Belsky and Tom Gilovich This fascinating book by a popular financial journalist and a college professor may not be the newest book on the shelf, and it may not have the most hype, but by far, it is one of the most interesting personal finance books we have ever read. This book goes where......
• Untapped Riches: Never Pay Off Your Mortgage--and Other Surprising Secrets for Building Wealth by Susan Cutaia, Anthony Cutaia and Robert Slater On the surface, this book seemed like the ideal read. It has a strong premise of how to create multiple streams of income using debt leverage. That is a great premise and one that we follow and put into practice every day. It was such a disappointment that this book......

Continue reading → The Two Income Trap By Elizabeth Warren and Amelia Warren Tyagi