Living paycheck-to-paycheck can be a real drag. All it takes is one emergency to precipitate a personal finance catastrophe, and when you’re counting on every penny to be there it can be a disaster when you’ve got to miss a couple of days of work because you’ve got to deal with an unforeseen situation. 1. Make it a Habit to Plan for the Future The best way to counteract such
Finding yourself in a debt spiral of financial problems because you’ve maxed out your credit cards? Don’t worry — there are plenty of ways to make ends meet, even if you feel like you’re drowning in debt. Here’s what you need to keep in mind to dig yourself out of that hole you’re in. Don’t Panic! First off: stay calm. Yes, you might feel like it’s the end of the
Saving money is hard. Our entire economy is designed around people spending money, so when you are trying to save, it often feels like you are fighting against all of society. But having a healthy savings account is important. Living paycheck to paycheck is stressful, of course, especially when you run into an extra expense that you didn’t plan for. That’s why having an emergency fund is so important. But
Bought that coffee after promising yourself you wouldn’t? Grabbed one too many meals out this month? Got a surprise bill in the mail? It happens to all of us. A budget is easy to make, but it’s a lot harder to stick to. A blown budget can be a painful lesson in personal finance. But don’t give up. Whether you’ve made a big mistake or you’ve just had a bit
If you’re struggling with debt, it can often feel like you’ve got nowhere to turn and you have nothing you can do. The truth is, though, that there are lots of ways that you can pull yourself out of excessive debt. While some of these are going to require some hard work and dedication, it’ll be worth it in the end to be debt-free and financially healthy once more. Here
Babies are expensive. The hospital bills. The diapers. The childcare. It all adds up to a lot of money, and for many families, the cost is preventative. They choose not to have a baby until they feel they can afford to do so. The trick is, while your finances might improve with age, your ability to actually have a baby decreases. So you have to find the sweet spot between
So you’ve finally gotten that big raise you’ve been hoping for. Congratulations! But don’t start spending to make your champagne wishes and caviar dreams come true just yet, at least not without reading this first! Here are five things you can do with all that new money you have now that you’ve gotten a raise. 1. Don’t Go Crazy — But Don’t Deny Yourself Either Everyone’s first inclination upon getting
If you want to improve the state of your personal finance, you will need to make deliberate budgeting moves. Paying for things and hoping for the best is not the way to get out of debt, improve your bad credit, or save money for future financial goals. Instead of just winging it, you need a real plan. A budgeting plan that takes into account all of the details of your
Running out of money is a terrible feeling. Fortunately, finding easy cash can be easier than you think. We have collected a list of possibilities below that will help you get cash and get back on your feet quickly. Give Blood You can make an easy $30 or so by giving blood. You might be able to donate weekly, if you can handle the needle and have the time. Donate
Before talking to anyone about debt consolidation, be prepared with these 7 important facts. From cookies to cars, everything you buy has the potential to become debt. Most things in life can be had with the quick swipe of a credit card or, in the case of your car, an easy loan. While that’s definitely a convenient perk of living in the 21st century, it can also be a dangerous
