Financial Planning Archive

Next to the purchase of a home or retirement, college costs are the highest expenditure families will face. Increases in college tuition outpace inflation year after year. There are ways to combat this but families …

Almost everyone is interested in improving their personal economic situation. Whether the state of your finances is fantastic or dismal, improving your financial situation is a worthy goal that deserves some time and effort. Here …

Childcare can be expensive even if you limit your thinking to diapers and baby formula. Of course, the cost of raising a child does not stop there, but most parents don’t think of saving for …

When it comes to retirement in the United States the most common number used when referring to retirement is 65. Unfortunately, for most people that isn’t the right number to be using because it is …

As Americans come face to face with the financial demise of our greed and need to achieve the American dream, we must first remember the past facts. Our forefathers survived much harder times than these, …

Student Credit Cards Being a full or part time student is hard because education today is costly. However with a student credit card students can afford to go to college without worrying about how to …

EW56Bhttp://www.moneysense.ca/2011/09/06/11-steps-to-financial-freedomWH6PDFinancial freedomZ6EFP is on the minds of millions across America. Despite living in the prosperous nation of the world, many Americans continue to worry about their financial woes. Money is plentiful, but it never quite manages …

Twenty-something’s the world over are embarking upon an important time in their lives. During these years, most choose their careers, follow their dreams, and even start a family. They have their whole lives ahead of …

There are a wealth of resources available for funding a college education including grants, scholarships, loans, savings accounts, etc. For the purpose of this article, I have taken the following from another article that I …

On the surface, it appears that the balloon that is our service-based economy has been popped, and all of the air has rushed out, leaving an empty shell and a nation sitting on the edge …

So you want to go to college, but you have little if any money in the bank. Your parents neither earn enough nor have the savings to pay your college education. The future doesn’t look …

You can create a personal budget worksheet quickly and simply even if you possess no financial expertise whatsoever. A moderate level of skill in using a spreadsheet, whilst helpful, is not absolutely necessary. Starting with …

Prevention, as the old saying goes, is better than cure. But due to the uncertainty of many things in life, including the financial system, when you are already experiencing an economic storm, it sometimes becomes …

Surviving the 2008 financial meltdown will mean different things for different people. For the very wealthy 2%, no matter how much money they may have lost on paper, they will survive quite nicely. They may …

Among the most important life skills teens approaching adulthood should have are those pertaining to money. This does not just refer to the ability to make change, budget and save, but also includes attitudes concerning …

Financial planning at 8, 18 or 80 Whether you are eight, eighteen or eighty years of age, you can learn personal financial planning, as a beginner. (1) It is never too early, or too late …

As we continue to ring in the New Year, we’ve likely made many plans for the year ahead. While weight loss, quitting smoking, and reading that Shakespeare collection are noble goals, it’s also a good time …

One of the common perks of corporate America is having the option to contribute a part of your pre-tax paycheck to a flexible spending account. Companies offer this little bonus to employees who want to …

If you are retired from the workforce there is a good chance that you are now living on a fixed income each month. You are proud of the fact that people are now paying you …

Good health is something everyone wishes for themselves and their families and to some extent this can be influenced by eating healthy foods and keeping fit. Those who have financial problems will find it can …

Budgeting is a bit like dieting. Just like starting a new diet, the good news is that if you follow reasonably sensible rules you will start to see the desired results immediately. The bad news …

Money management can be difficult regardless of your age. However, if you want to get your young ones off on the right foot, there are some strategies and tactics you can do to help them …

No credit check and approval in seconds is the phrase that many pay day loan lenders use to reel in potential customers. A pay day loan is a small cash loan that is to be …

The answer to this question today is probably very different than it would have been twenty or thirty years ago. These days I can pay for most items using plastic; namely via debit and credit …

Financial planning is an essential skill for anyone concerned with building up his or her financial stability. With fluctuating economic fortunes and increasing investment risks, handling finances without a plan can be compared with driving …

Step 1 -> Define the Problem and a Solution This is the most important step of all in the problem solving process and in identifying the problem. Even though you cannot solve a money management …

You’ve made the big decision. This year is going to be different. This year you are going to get on top of your personal finances and create a budget to help you plan, track your …

For many years people lived without borrowing money and by necessity lived within their means. Saving up for things was a way of life or one simply did without. The change in society’s attitude to …

America’s demographic is comprised of a large number of older men and women. Many of them are often called Baby Boomers. Watching this generation who are living much longer statistically than their parents before them, …

Becoming a millionaire is a dream we all wish could be a reality. We would never have to worry about whether we will be able to pay off all those bills that seem to be …