Millions of Americans have found out this year that they are in dire financial straits and this came as a shock to most. Whether it’s a new variable rate on a mortgage, higher gas prices or just the higher cost of living, many of us are not as financially secure as we would like to [...]

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• 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......
• How to Find Financial Stability in Unstable Markets Right now, the only news about the economy seems to be bad news, and it may take a few months if not years to improve. The dollar is weak, oil prices are still up and the cost of living has skyrocketed this year. These are unstable times, but that doesn’t......
• Basics of Budgeting 2 Tracking Your Expenses Now that you are familiar with how much income money you have coming into your home, it has become time for you to pay attention to the expenses that you have on a monthly basis. You should begin with the regular payments and the fixed payments that......
• How Far Into Debt Should You Go? While most of us get the general principle that we need to go into debt if we want to build up our credit, it’s tough to know exactly how far you should go. When you’re first starting out, it’s all too easy to get buried in bad debts that run......
• Saving Money in Five Minutes Flat Are you saving your money for a rainy day, but feeling as if you are always struggling to get ahead of the financial storm? You are certainly not alone. Prepare your financial umbrella with this quick, no nonsense guide to saving money in five minutes. - * First and foremost,......

Continue reading → 6 Steps to Get Back on the Right Financial Track

Through the past few years, many of us have been conditioned to believe that being in debt is a bad thing. While it certainly may be true that debt is dangerous in the wrong hands, there are actually many ways that debt can be very effective and can actually help you get more money. This [...]

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• 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......
• 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 Create Alternative Income 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......
• 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......
• Are Your Finances a Wreck? As the housing crisis worsens and the economy looks increasingly weak, most Americans are facing the reality that their finances are in a bit of a wreck. Chronic overspending, a lack of savings and too much bad debt has left many in a financial condition that they would prefer not......

Continue reading → A New Way to Consider Personal Finance

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 to come across a book [...]

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• Review: The Teen's Guide to Personal Finance: Basic concepts in personal finance that every teen should know. Time is a resource that many teenagers don't realize is their greatest resource for finacial independence. "The Teen's Guide to Personal Finance" is a tome that will provide teenagers with important financial lessons, in a manner which will pull their interest and convey itself effectively in its intended task. The......
• What You May Not Know About Personal Finance Unless you’ve taken some courses on handling finances, there is a chance that you may not be aware of a few of the key points about budgeting, managing your money and planning for the future. While a lot rests on common sense, there are a few techniques that everyone can......
• How to Pick a Financial Advisor If you are getting serious about investing or managing your personal finances, it may be time to think about hiring a financial advisor. Before you take that step however, there are a few things to think about. It is vital to make sure that you are working with someone that......
• 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......
• Does Insurance Really Matter When it Comes to Personal Finance? Most of us look at insurance premiums as a big drain on our finances. Insurance policies do not come cheap, but they may be essential. In many ways, you can look at insurance as a way of avoiding financial failure in the years to come. While you can’t buy a......

Continue reading → The Family CFO By Mary Allvine and Christine Larson

Whether you are into investing or running your own business, the term diversify is thrown out quite a bit. However, there are some varying opinions on what this term really means and the implementation of diversifying your money or resources can be difficult. While diversifying is vital for anyone, the key is doing it correctly [...]

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• Restore Your FICO Score – Part Two In our last post, we covered how to begin the process of restoring your FICO score, as well as how changes can affect this score. Now that you are ready to begin, there are a few steps that you will need to take. Many of these steps require diligence on......
• 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......
• Saving Money with Your Credit Cards pt 2 Continued from part 1... Another type of credit card that you can use to save money is one that offers frequent flyer miles or air fare rewards. Airfare is expensive, and if you fly relatively frequently then you are probably well aware of how expensive it can be to fly.......
• 4 Modern Ways to Get Rich by Saving Money 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......
• Staying Solvent in Bad Economic Times Every day, the news about the economy seems to be getting worse and people across the world are concerned that they will be personally affected by the changes. In many cases, they already are when you consider how the cost of living has gone up, gas prices that seem to......

Continue reading → What Does Diversify Really Mean?

When you see the word debt, undoubtedly the first thing that pops into your mind is a credit car bill or a car payment. For many, debt means a mortgage or other high dollar expenditures. However, there are two main forms of debt and they are very different from one another. You cannot paint them [...]

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• Present Value and Future Value - Understanding the Difference In macroeconomics, two important financial structures are the present value and future value. Below is a discussion describing the two structures, and how they differ from one another. Present versus future value is analogous to the concept that today's dollar will be worth more in the future. This concept is......
• How Much Debt is Too Much? The average American is currently carrying at least some form of debt, even if it is small. We live in a society where overspending is common and credit card debt has become a right of passage. In many cases, you need to be in debt in order to start building......
• What You Need to Know Before Going Into Debt Let’s face it, if you want to get ahead in today’s world, you’re going to need to go into debt, at least a little. The key is managing your debt properly and avoiding common traps. Not all debt is bad, even if we have been trained to think that it......
• How to Go Into Debt to Get Out of Debt This really sounds like the ultimate oxymoron, but one of the best ways to get out of debt is to go a little bit further in. What’s that? First, to help this make more sense, let’s clarify – if you need to get out of bad debt, going into good......
• 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 → The Difference Between Good Debt and Bad Debt