More than two years ago, Dominique posted this excellent piece on personal financial tools. However, time has continued its relentless march, and we thought taking a second look at these offerings might be worthwhile. Additionally, we’ll touch on a few noteworthy advancements that have come along in the ever-evolving world of technology. We’ll begin with […]
Talk to your bank and lenders about services they offer to keep you safe. Overdraft protection, for example, is a basic service that often costs nothing or very little extra that protects you in case you withdraw too much money from your bank account. With overdraft protection, you do not get a “ding” on your […]
Staying on budget can be quite a challenge if you’ve never had to watch what you spend before. Even after a specific budget has been decided on, there are many factors that can derail our efforts when it comes to saving up money and paying off our debts.
Most people are surprised by how quickly their money seems to be spent. This happens because of impulse spending and small change spending—it really adds up! Small change spending is small spending we do without even thinking about it such as buying a coffee or a newspaper we don’t need.
It is the sad reality that debt can ruin relationships. Even marriages that were strong in times of financial security can break under the weight of serious debt. To understand why money troubles sometimes destroy relationships, we have to look at the underlying reasons caused by debt itself.
Saving money is especially hard when your income is low or your necessary expenses high. Living on a tight budget in general can cause stress, fatigue and financial insecurity, which in turn will lower your quality of life. Thankfully, there are always ways to improve your financial situation, by either cutting on expenses or finding […]
Misconceptions abound in the lease versus buy debate. Conventional wisdom suggests that leasing is the least expensive alternative. However, that is a generalization and like many broad-brush statements, following it as gospel will not serve you well. In the following paragraphs, we’ll give you the contrarian view and tease you with possibilities you might not […]
Everyone has to eat! While no one has ever died from being deprived of a Starbucks’ Caramel Brulée Latte, plenty of folks will suffer life threatening health consequences from poor diet. The brutal fact is people on the short end of the income stick suffer the most.
It’s dangerously close to the end of the year, and the next thing you will hear is all of the so-called wisdom on New Year’s Resolutions, Goal Setting and that sort of thing. Yet, as you probably know, for the vast majority of people, New Year’s Resolutions, Goals and Plans for the new year tend […]