Being unemployed can be a scary time. Whether you just got out of school, had to quit your last job, you were fired, you were laid off, or something else, you might be looking for a job. If you are currently unemployed, continue reading the below (in no particular order): Brush up your resume. The first thing you need to do is check your resume. You may need to add updates, make changes, and so on. Your resume needs to be updated so that it’s modern. You may laugh at that but I remember once seeing a resume from the...
A New Generation of Money Management
Cutting Your Food Spending When Going To Restaurants
I love going to restaurants. I love trying new meals and eating at my favorite restaurants often. However, it can be expensive to eat out often. We used to spend an insane amount of money on going out to eat at restaurants, and it’s something I am not proud of at all. I still like to go out to eat though, and I engage in many different behaviors to save money so that I can still enjoy this habit of mine. Whatever you do, I want to say that you should still tip the person waiting on you, and you...
Lending Money To Friends and Family
I have loaned money to family many times. I am not proud of that, but I am willing to help a family member if they truly need it. That being said, I have been burned badly in the past by lending money to a certain person, and I know never to lend them money again. However, I have also loaned money to a family member who has paid me back and even gave a large amount in “interest” for giving them money to borrow. If you do decide lending money to a person is something you need to do, here...
Balance SheetsPersonal FinanceReal Estate
Things To Think About When Moving To a New State
We have been thinking more and more about moving to a new state. There are just so many things to think about though when you are unfamiliar with a place, so it can make the whole process very intimidating. Here are different things that you may want to think about before deciding where to live: What is your budget? Different places are going to require different budgets. This will probably play a big factor into where you will live and moving to a new state. It’s significantly different to live in a small town in North Dakota than it would...
AutoBalance SheetsPersonal Finance
Average Transportation Expense in 2013
According to AAA, the average total transportation cost for a sedan was $9,122 in 2013. For a small sedan, the average was $6,967, and for a large sedan the average cost in 2013 was $11,248. These averages are all based on 15,000 miles being driven in a given year. That’s a lot of money! I bet you didn’t really think that you spend that much money on your car alone each year. Below are different methods to lower your transportation spending. I mean, who really wants to spend $11,000 a year?! Find your forever car. When you buy and sell...
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Payday lender complaints rise
As complaints about payday lenders continue to be reported about in the news, this blog looks at the issue of rising complaints relating to the payday loan sector, and asks why complaints are on the up, if these can be effectively addressed and if so how? Payday loan complaints on the rise, or are they? The Financial Ombudsman has reported a rise in to number of complaints being investigated in relation to the payday loan sector. According to data gathered by the Financial Ombudsman – the body who investigates complaints relating to the sale of financial products within the UK,...
Four Money Questions To Ask Before Marriage
I know of way too many people who enter marriage without asking a single question related to their future spouse’s finances. Maybe that works for a few, but I think it’s best to be as open as possible an actually know the person you are about to marry. No, money isn’t what a marriage is all about, but being open now can save you from mistakes or problems that are found out about later. Below are four money-related questions that I believe should be asked before you say “I do.” 1. Questions about children. Okay, so this isn’t exactly directly...
Is A Tiny House For You?
I recently watched a documentary about tiny homes, and I have also read many articles lately about them as well. They seem to becoming more and more popular each and every day, and today I would like to talk about them. A tiny home is typically less than 200 square feet. Sometimes they can get as big as 500 feet, but a tiny home in essence is really just a home where all of the space is a home is efficiently used. Tiny homes usually have one main room, with sometimes a loft bed on top. Usually the space in...
How To Drop Your Debt Fast
Too many people have too much debt right now. The average person has multiple credit cards that they don’t know how to properly use, they have astronomical amounts of credit card debt that seems to be out-of-control, they have student loans with terms that they don’t fully understand, and they might even be living car and/or house poor. If you are looking to eliminate your debt and not be like everyone else, then keep on reading. There is no need to be buried up to your eyeballs in debt. Start living a debt free life today! Evaluate what you really...
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Payday loans – a good alternative to credit cards?
There are times when a poor credit score can impair the chances of getting a loan from the bank or acredit card company. This can prove to be a challenge especially when there is a financial emergency or crisis on hand and money is required. Getting a loan from a bank or credit card company is subject to the credit rating of an individual and low credit scores impact the approval rates considerably. In such a dire situation, it becomes imperative to have access to an alternate source of income or finance. In fact this is exactly what a survey...