What type of personal budget software do you use? Wait! Don’t tell me you are one of those people who think they are better off without software and computers. While there is nothing wrong with using a traditional accounting method (pencil and paper), once you introduce personal budget software into your life, you will realize that you are on a better path. There was a day when I thought that personal budget software was a waste of time and money. But once I gave it a try (I use Quicken) it was east to see that I was wrong. Here are my top five reasons for using personal budget software:
Since moving into my new home several months ago it seems like I have been on the phone with contractors day after day. During this time, I have compiled many tips that have helped me not only get the best deal but also hire the right person for the job.
Here are five things you can learn from my negotiations:
There is nothing worse than buying a car, being excited for a couple of days, and then realizing that you made a huge mistake. A bad car loan can quickly sap all your energy, while also causing financial worries. Even though you may think there is no solution, there are several things you can consider. Here are five ways to get over a bad car loan:
Just because you are traveling for business doesn’t mean you have to leave all the fun at home. In fact, this is a great time to combine business with pleasure. While you are out of the office visiting clients you should be looking for ways to have fun in a different city. Of course, you need to keep a close watch on your budget along the way. There is a fine line between spending money on business related expenses (and having them reimbursed), and going overboard with your own checkbook in hand. Here are several tips for combining business travel with pleasure:
Many people who are interested in visiting Europe never make the trip because of one thing: money. They think that this trip will break the bank. In turn, they never take the time to consider all their options. Believe it or not, there are many ways to travel Europe on a budget. This holds true no matter which country you are visiting from. To find cheap European travel deals, you must keep an open mind. Those who are only interested in the major cities and five star hotels are going to find out soon enough that the cost is growing out of control. Here are several tips for visiting Europe on a budget:
Are you interested in taking a cruise this summer? This is a great way to vacation by yourself, with a partner, or with your entire family. But just like any vacation you probably have one thing on your mind: money. Sure, you want to have a good time, but you can only do so if your budget is under control. Fortunately, there are many ways that you can save on a cruise both when booking and when you are finally on the ship. The following money saving tips are useful for anybody who is going to be sailing the high seas this summer:
You just filed your 2009 tax return a couple months ago. For this reason, you probably want to take some time off and forget about the IRS for a while. Even though this is tempting, now is the time that you really have to put your mind to work. If you want to save on your 2010 taxes, you cannot afford to put this off. As soon as 2011 arrives, most of your opportunities to save will be long gone. Here are five things you can do now to save on taxes for next year:
When money is tight, it is a good idea to review your budget for expenses that you are able to cut back on. One category that you must pay close attention to is insurance. With this in mind, it is important to note that some policies are more important than others. While you may be able to cut back in one area, keeping the same coverage in another is essential to the well being of you, your family, and your finances. Knowing what coverages you should have more of and can cut back on is the tricky part. We recommend that you consult with your insurance agent and another professional with an unbiased opinion before canceling, reducing, or adding any coverages to your insurance policies.
More companies than ever are looking for ways to save time and money when interviewing prospective employees. For this reason, online video interviews are more common than ever before. With this type of interview, the company and interviewee are able to save a lot of time. Along the same lines, both parties can save a bit of money as well. Preparing for an online video interview can be stressful. After all, most people have never been involved with one of these. While you may not know what to expect, there are several things you can do to ensure that you are 100% prepared:
How much money do you generally spend on electricity during the fall and spring months? Does this number seem to grow every summer when the weather turns warm? That’s because you’re not making a conscious effort to reduce the amount of energy you’re using, and the air conditioner is the main culprit of the spike in energy costs. This is a problem that many people face, especially those who are on a tight budget. Although your electric bill may tend to increase during the summer, there are some things you can do to keep the costs to a minimum:
Do you know how to read your bank statement? Some people never take the time to learn how. Instead, they throw out their statement or delete it from their inbox before taking a closer look. If you are in this habit, there is no better time than now to make a change. Learning how to read your bank statement is not as difficult as you may think. Once you know what you are looking for, you will feel much better about your finances.
Here are five tips for reading your bank statement with success: