Financial Planning Archive

Anna grimaced as the cashier handed her back the debit card. “I am sorry, but the card has been declined”, said the teller. Since marrying Kevin six months ago, this was becoming a theme. A …

When you’ve just graduated from college, you probably have two goals in mind: one is to relax for a while and recover from the pressure of exams and the other is to find a job …

Financial planning is a broad term used to cover the concepts of earning, saving and investing money. At it’s most basic, financial planning calls for making a goal and creating steps to meet it. FIRST …

Sally grasped the shiny quarter with small fingers and grinned widely. “Daddy, I am rich!” she squealed, as she ran to her little green piggy bank to deposit the coin and then began dancing as …

Applying for student financial aid can certainly seem confusing and overwhelming! The maze of applications and deadlines and various programs and eligibility requirements can easily dishearten the college-bound student. College funding consultants, also called financial …

The golden rule for financial prosperity is to pay yourself first. You pay everyone else, why not pay yourself? You make sure everyone else has their money, but you don’t give yourself any money for …

Whether you are a young adult taking your first steps toward financial independence, or have recently experienced a major life change, such as divorce or the death of a spouse, that requires you to become …

Being a single mother is tough enough without having to worry about the financial aspects of raising children alone. Even if there is child support involved, it may come in very inconsistently, and at times, …

Setting up a personal finance worksheet does not take a degree in accountancy to produce. It is very simple to achieve, and by following the guidelines below, you will be up and running in next …

Why is it that those who have enough money seem to never run out? Is it because they have so much that they can never come to the end of their money before they die? …

Setting up a budget worksheet is actually fairly straightforward. You will need to have an appropriate software package, such as Excel or OpenOffice’sCalc. Calc is a freeware package, that is recommended. With the Calc spreadsheet, …

Whether you are aware of it, we all practice a form of basic financial planning in our daily lives. For example, when you leave the house in the morning to go to work, you have …

Making, tracking, and sticking to a budget can be hard.  There are many software programs that will make the process easier, but they often cost money, and most of them can only be accessed from …

Every student should eventually obtain a student banking account before leaving college, and by searching for the best deals on student bank accounts young people can learn finance and money lessons that will serve them …

There are many free online budgeting tools that you can use to create or track a budget.  However, sifting through them to find a good one can be tricky.  Below are some websites that list …

I am often amazed at people who claim that they live within their means, yet do not.  Living within your means means saving for the luxuries you want,  not wasting money,  and not spending so …

You have your hands in your fiscal pocket. You want to make sure you have plenty of green, leafy, ripe lettuce for your future? Enroll yourself in the basics of financial planning 101. Allow me. …

What does living paycheck to paycheck mean? It means that every month when you add up your paychecks and add up your expenses, they equal roughly the same amount. You don’t put any money into …

There is no shame in being unemployed. It happens. As a matter of fact, all of your successful friends have experienced the situation at least once, if not many times. Think about it, during his …

Having five children, we live pay check to pay check and it is not fun. We always run out of food and items we need during the week. Right now our home is getting foreclosed …

When economic times are tough and money doesn’t stretch as much as you’d like or think it should, it’s time to sit down and evaluate your personal financial health. The reason you need to do …

Reaching financial prosperity doesn’t mean you have to be a millionaire. One must take the time and define their financial prosperity. Financial prosperity can be realized with a certain lifestyle. One must understand financial prosperity …

For most people life involves things like setting goals, buying a house and a car, going to college, and sending the kids to college. With plans like that, one of the most basic needs is …

There is only a little truth in the saying that “money can’t buy happiness”. The reality is, finances are one of the most important aspects in marriage and it often spells success and failure. Majority …

Financial success is like an irresistible charm with powers that are almost universal. Nearly everybody is driven to strive for financial success, sometimes stretched to the very limits of their abilities in their daily struggle …

Building a financial safety net is imperative in this economy. It is better to pay yourself and build a safety net to support your needs as opposed to your wants. When building your safety net …

Financial stability is one of the most common dreams people have. Even children want to get rich when they grow older. People aspire career advancement for a better pay, some engage in business, while some …

It is your responsibility to use your money in a careful manner. You can do this by putting an end to wasting each dollar and penny in your possession. You will learn bad financial habits …

Most teens take on summer jobs for two reasons. One is to earn enough money to enjoy vacation fun to the fullest. They also work to save some of that summer money for school and …

In today’s economy, establishing a debt-free lifestyle is one of the greatest things that you can do for yourself.  It takes time and patience, but is worth it as you never have to worry about …