I am a Blogger, Web Content Writer, Teacher, Mom. A woman of many hats. As an elementary teacher, I had always encouraged my students to write more. I find myself falling back on my own teaching techniques to share what I know about building and rebuilding personal finances.
We’ve all heard the reason, ‘debt-traps,’ the phrase is often used as an excuse for someone being debt and a budget that’s out of control. These traps are frustrating, destructive, and are often harder than quicksand to escape. The most challenging task in trying to put an end to these problems, but the first step is admitting to being part of the problem. A debt-trap begins with the consumer who overuses or even abuses third party money. Companies make it easy with enticing offers, but we learn to say no. … Continue reading →
Keeping up with the Jones can have a serious impact on our personal finances. We like what we like, but we also want what our friends like. Financial peer pressure is painful when a friend persuades you to spend more than you have. It isn’t always shopping, but trips to movies, eating out, and going to clubs that keep our wallet in a tailspin. We have to decide to spend less and never utilize credit cards to keep up with social status. It’s hard to stay home when everyone you … Continue reading →
Payday loans are often in the news. It isn’t surprising to hear of bad debt stories, lawsuits against predatory companies, or state legislatures working to control the reigns of the payday loan industry. Louisiana is currently working within their communities to take fast cash loans off the table altogether. The Government Is Looking Into Louisiana Payday Loans The Government feels that it is time to take this alternative money option away from its citizens. People within the state take an average of over four loans each year. Considering the fact … Continue reading →
You may have tried to cut corners throughout the month in order to make your budget more productive. It gets tiring when no matter what you do, it seems like there is never enough money left to pay the bills. Your total monthly costs are just too close to your actual income. A budget will not survive on bare-bones alone. Living paycheck to paycheck does not leave room for any unplanned expenses. You can only skimp so far on groceries, fuel, and utilities. Depending on how much you need to … Continue reading →
A budget that’s strapped to the bare bones will struggle to perform its proper duties. If you think about a runner who has trained hard and has eaten the appropriate foods before race day, it won’t shock you to see it outperform those who did not. Most people do not take their finances to the runner’s extreme. There may be a budget plan, but it is not fine-tuned or run with precision. Money management is your budget’s marathon. Every day counts. There must be a healthy money plan in which … Continue reading →
Dodge ball is a popular playground activity. At a young age, we learn to watch the player with the ball. There is a competitive skill in watching the thrower select a target, take aim, and throw. The good players know when the ball is coming their way and step away as quickly as they can. The players who get hit with the ball, (you know the ones who are always out first in the game), either don’t pay attention to the ball, lose focus in the high-speed game or simply … Continue reading →
Do you scratch your head in wonder trying to figure out how much more you can cut out of the budget? With all of the different budget categories, there are many areas to take into consideration. It’s always best to focus on one particular area in order to achieve quality results. In this post, I will focus on ways to cut back and cut out transportation costs. Your lifestyle will also play an important role in how much you pay each month. What kind of car you like vs. what … Continue reading →
Looking to cool your house off this summer? Wanting to stay warm in the winter? Temperatures will skyrocket to triple digits or stumble below freezing. There are ways you can help keep your utility payments under control. Money management moves beyond the checkbook and bank account and into practical living. Cutting back does not always mean that you have to give up on your lifestyle. A money-smart household will efficiently help you decrease your utility budget. Cooling And Heating Budget Fight off cooling and heating costs by properly insulating your … Continue reading →
People who are afraid to talk about money may find themselves deeper in unnecessary debt than those who will discuss financial troubles. Could it be that they don’t know anyone who they feel comfortable speaking to? Maybe there is shame involved, and keeping it locked inside makes it more convenient to live with. It’s tough to hide money problems in the closet with all of the other skeletons. You can avoid going into a closet, but it is much tougher to ignore a struggling bank account. How do you make … Continue reading →
The payday loan industry has evolved over time. Lenders have gone from the streets to their own stores and then advanced to online. Things change so fast now; it’s tough to keep up. Who would have believed even 5 years back that a smartphone payday loan application would ever be possible? It is here. Who knows where it will go to next? During these changing times, direct lenders have evolved not only to keep up with technology, but to also keep up with their customer’s needs. What kind of payday … Continue reading →
*THE OPERATOR OF THIS WEB SITE IS NOT A DIRECT LENDER. It does not broker loans to lenders and does not make short term cash loans or credit decisions. This Web Site does not constitute an offer or solicitation to lend. This site will submit the information you provide to a direct lender. Providing personal information on this Web Site does not guarantee that you will be approved for a short-term cash in advance loan. The operator of this Web Site is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. Not all direct lenders can provide up to $1,000. Cash transfer times may vary between lenders and may also depend on your individual financial institution. In some circumstances, faxing may be required. This service is not available in all states, and the states serviced by this Web Site may change without notice. For details, questions or concerns regarding your short-term cash loan, please contact your lender directly. Payday loans online and/or cash advance loans are meant to provide you with short-term financing to solve immediate cash needs and should not be considered a long-term solution. Residents of some states may not be eligible for a payday loan online based upon lender requirements.
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