By the time the average person reaches the age of 40, there have been significant milestones reached. Most are homeowners, have a career, married and had their children. At this point, they are definitely thinking about the future decades in life. To be more specific, personal finances. Emergency fund – If there isn’t one already set up, now is the time to make it happen. Without money set aside for unexpected costs, people turn to credit cards or worse yet, payday loans. Going into the second phase of your life … Continue reading →
Have you bailed a family member out of financial problems again? When do you decide that enough is enough? The reasons behind the debt troubles would probably be the deciding factor for most people. If your generosity is enabling bad money behavior, it would make lots of sense to back away as their money solution. If you are helping someone who lost their job or needs more medical attention than they can afford, you are an angel in their lives. Bad money behavior does not make a person bad, but … Continue reading →
With credit worthiness playing such an important role in personal finances, it would be nice if there was a simple set of rules to follow. Personal finances are too individualized to have a one-size fits all rule approach. Each household will have to determine the best way to handle monthly costs according to income totals. Whatever amount is brought home each month must be used to cover living costs, any incidentals or emergency costs along the way. Credit cards are frequently used to extend purchasing power as well as keep … Continue reading →
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