The Top 5 Personal Finance Resolutions You Should Focus On

The beginning of a new year is a good time to sit down and take charge of your finances. In fact, anytime of year it’s a smart idea to go over your financial situation and make any needed improvements. In order to give you a simple starting point, here are 5 personal financial improvements you […]

8 Simple Tips To Stop Sabotaging Your Savings And Financial Future

Most young people starting their first job are not thinking about retirement. The years fly past quickly and so you need to start saving early to provide for your financial future. It’s wise to begin saving from your very first paycheck. Here are some simple tips to help you obtain a more secure financial future. […]

6 Tips To Avoid The Dreaded Holiday Debt

The holiday season can be a wonderful time of the year. If you have charged a lot of your holiday gifts and expenses it can dampen your holiday spirit. You are too concerned about the bills coming due beginning in January. Unfortunately some people are still paying off their holiday expenditures many months into the […]

How To Avoid Minimum Balance Fees

Many banks will charge you a fee for the “privilege” of having your money in their bank if you do not maintain a specified minimum balance. The minimum balance required is determined by the individual bank. It may range from a few hundred dollars to a few thousand dollars depending on the bank. The fee […]

Best Social Security Claiming Strategy For Married Couples

Deciding when  you will begin to receive your Social Security benefits is a big decision which can determine your retirement benefits for your lifetime.  It is very important that a married couple coordinate their Social Security benefit plans. You can begin collecting Social Security earlier than full retirement age which is 66 for those born […]

Basics Of Affordable Care Act

The Affordable Care Act, sometimes referred to as Obamacare, encourages those who do not receive health insurance benefits though their employer to purchase their own health insurance through the health insurance marketplace. If you already have individual health insurance that meets the requirements of the Affordable Care Act then you can retain that coverage,. Health […]

What Is Medical Bankruptcy?

Unfortunately, some people will be faced with medical issues that cause a huge strain on the family finances.  Even though you may have health insurance you may still be faced with substantial bills that are not covered by the insurance.  A major illness or accident can strip the family of all their savings and retirement […]

The Facts About Payday Loans: Pros and Cons

Payday loans are used as a resource when you have an immediate need for cash for a short period of time.  Perhaps you do not have a credit card with enough available credit and you have no savings put aside and there is no one from whom  you can borrow for a short period of […]

How To Make College More Affordable For You!

Many young adults are graduating from college (or dropping out of college) burdened by a huge amount of debt. It may be student loan debt or it may be credit card debt or a combination of the two. There are several steps you can take to make your college education more affordable. When you are […]