Posts Tagged ‘Advice’

Article by Jasper Avila

Personal finances can cause stress and difficulty in your life. This article will show you some great tips on how to manage your money.

Do not waste your money on products or services that claim to make you rich overnight. This is a trap that Internet marketers often fall victim to. Learn as much as you can, earning it through hard work and patience.

Profits need to be protected and reinvested as capital invested. Set a standard for what profits you keep as profit and what is reallocated into capital.

Patience can be beneficial when considering your personal finances. It is very common for many people to go out and purchase the latest electronics on offer. If you can be patient and wait just a little while, those prices will go down by up to 50%.This will save you much more money in the long run.

Make savings your first priority with each time you receive.

A sale at the grocery store is not a good deal if you buy more than you need.

You can’t repair your credit without getting out of debt. You can do things like eating in more and spending less money on weekends.

Credit cards are generally superior to debit card. If your credit card application is approved, use it on your daily purchases, like food and gas. Most credit card issuers offer some type of reward for using their credit cards, like cash back on these items.

Don’t take out huge amounts of student loan debt without being in a position to repay it. If you go to an expensive school while you’re unsure of a career path, you could find yourself in some heavy debt.

Many spend over weekly trying to win a lot of money from a local lottery drawing, but it makes more sense to put that amount into savings instead. This is a guaranteed way to ensure that you do not lose any money and will improve your financial situation by increasing your savings.

You may find it helpful to discuss your personal finances with someone who is a finance professional.If one doesn’t know any finance professionals, they must do their own research online or by purchasing a good book.

By taking care to control your cash flow, it will be easier to manage your situation. Keep track of your income and how much you spend so that you can see how your investment’s performance each month.Make certain to have a budget in mind and stick to it.

Pay close attention to everything your credit report. There are more than a lot of ways to see your credit report at no cost.

Avoiding debt wherever possible is a tight grip on your personal finances. A loan is appropriate for buying a car or a house.You should not depend on the use of credit daily though.

Like the introduction of this article said, dealing with your personal finances can stress you out. If you know how to alleviate you personal financial difficulties, then you will be able to relax. If its ideas have helped you take charge of your finances and create a little breathing room, this article has served its purpose.

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Is Your Significant Other Bad with Money? Advice for How to Manage a Financially Negligent Spouse

Boston, MA (PRWEB) September 11, 2014

While marriage often means the communion of two salaries, it also means the compacting of two financial situations, including the bad. While managing individual finances can be challenging enough, combining finances can be significantly overwhelming and present a couple with new challenges and even discoveries about their better half.

In fact, a recent survey completed by American Consumer Credit Counseling found that, of all topics, money is most likely to prompt a spat in a relationship. An overwhelming 54 percent of survey respondents stated that financial issues are the leading cause of stress in their relationships, while only 5 percent of respondents indicated fidelity and trust were an issue and 9 percent cited in-laws as the biggest stress trigger.

One of the largest contributors to this stress is differing money management styles. For those consumers with significant others who have poor money management skills, there is a solution. Neither spouse needs to be a professional accountant, but both need to be accountable to the other.

“Many couples, especially newlyweds or those newly cohabitating, struggle with making financial decisions, the combining of bank accounts, or keeping finances separate” said Steven Trumble, President and CEO of ACCC. “For these reasons, it is important to go over what accounts you have and how much debt you carry, and be clear on how you expect money to be handled.”

If you sense an issue at hand with your spouse, open the dialog up immediately before it goes too far. Explain how making the wrong money decisions will impact the current financial situation as well as any future financial situations for both of you. Like it or not, once married, both debts and income often become shared financial responsibilities. To avoid disagreements and long term disasters, ACCC has created six tips for couples to stick to when handling finances in a relationship:

Be a team – Arguments can arise from one spouse spending what the other spouse considers to be too much money. Create a financial budget and plan together, do the bills together, and review your net worth together. If you do anything related to your finances, make sure your spouse is involved and has a say in the decision process.

Hold weekly budget review meetings – If one spouse is doing all of the finances, it’s very difficult for the other spouse to know the current financial state of the household. Even with a budget, a lack of communication can make it difficult to know how much is left in the “grocery category” or the “entertainment category.” To solve this problem, pick one night of the week to review your finances. Pick a time when you and your spouse can devote 15-30 minutes without interruption.

Establish an emergency fund – The most important thing you can do to keep your finances under control — and to avoid using credit cards and going into debt — is to establish an emergency fund. When planning your budget, allocate a portion for emergencies, savings and retirement. Nothing causes stress more than running out of money before all the bills are paid. Establish a $ 1000-$ 2000 emergency fund to cover those unexpected expenses. The key is that each spouse must agree to not touch these funds without the other’s agreement.

Evaluate your financial goals – After creating and reviewing your budget for a period of time and establishing your emergency fund, it’s important to discuss both of your financial goals such as starting a family, buying a new car, saing for a home or traveling. By discussing and defining your mutual goals with your partner, you will reiterate the importance of staying accountable.

Don’t keep money secrets – While secret trading or gambling may not be that common, a survey by KeyBank saw 36 percent of men and 40 percent of women confess that they had at one time or another lied to their spouse about the price of something they bought.

Review your progress – If your spouse has taken responsibility for a lack of control or misuse of funds, support them throughout their attempts to better manage money. Whether through weekly or monthly updates or progress reports, or just supporting their decisions to save, play a crucial role in facilitating their path to better handling their money.

ACCC is a 501(c)3 organization that provides free credit counseling, bankruptcy counseling, and housing counseling to consumers nationwide in need of financial literacy education and money management. For more information, contact ACCC:

For credit counseling, call 800-769-3571
For bankruptcy counseling. call 866-826-6924
For housing counseling, call 866-826-7180
Or visit us online at

About American Consumer Credit Counseling

American Consumer Credit Counseling (ACCC) is a nonprofit credit counseling 501(c)(3) organization dedicated to empowering consumers to achieve financial management and debt relief through education, credit counseling, and debt management solutions. Each month, ACCC invites consumers to participate in a poll focused on personal finance issues. The results are conveyed in the form of infographics that act as tools to educate the community on everyday personal finance issues and problems. By learning more about financial management topics such as credit and debt management, consumers are empowered to make the best possible financial decisions to reach debt relief. As one of the nation’s leading providers of personal finance education and credit counseling services, ACCC’s certified credit advisors work with consumers to help determine the best possible debt solutions for them. ACCC holds an A+ rating with the Better Business Bureau and is a member of the Association of Independent Consumer Credit Counseling Agencies. To participate in this month’s poll, visit and for more financial management resources visit

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, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

Related Debt Press Releases

National Debt Relief Discusses Budgeting Advice from Money Experts

National Debt Relief

Dallas, TX (PRWEB) May 13, 2014

National Debt Relief shared in an article published last May 11, 2014 pieces of advice about budgeting from experts. The article titled “Here’s Budgeting Advice From Four Top Money Experts” shares excerpts from 4 world-renowned money and budgeting experts in the industry. It aims to educate the public more about money management.

The article highlights key learnings from 4 different budgeting experts and explains their use in everyday consumer life. The material explains the practicality and use of each key piece of advice.

Suze Orman – Gaining popularity through a CNN TV program and from authoring the book “9 steps to Financial Freedom,” makes her a reputable voice in the industry of personal finance. The article shares her view on cutting back 10% in family spending. The article goes on to explain how it can benefit the savings account tremendously in a short span of time. And the cutback in spending is not so much that the family will question the move and the motive.

Dave Ramsey – The financial author TV personality, radio host and motivational speaker shares his wisdom when it comes to groceries every month. He mentioned that people tend to budget around their expenses totally forgetting about the groceries. The article further explains that it is best to over budget for groceries by looking at the past tally and adding about $ 50 on the expense. It is always better to over budget and save up rather than going over the budget.

Rick Adelman – This NBA player and coach who recently retired as the Minnesota Timberwolves head coach shares how important it is to look at the past to prepare for the future. It is a good idea to check what expenses were incurred in the past. The total of those would most likely be the amount again in the succeeding years. This helps consumers on a take off point when preparing a budget for the year.

Gail Vaz-Oxlade – This Canadian TV celebrity and “’Til Debt Do Us Part” host discussed the concept of magic jars. This finance author explains how making use of this practical financial practice can save up overspending for items in the budget. The article explains that magic jars are where money for food, clothing and other expense items are placed. When the time comes that the consumer is about to make the purchase, only the contents of the jar will be used. It keeps the purchase within budget and prevents overcharging.

The article also explains the importance of creating a monthly budget. It shares that no matter how much advice consumers get from experts, if budgeting is not practiced, it will be hard to understand.

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Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

More Debt Press Releases

Professional Tax Firm CTR Offers Advice To Taxpayers Receiving Debt Notices

CTR Logo

Honolulu, HI (PRWEB) March 16, 2013

CTR’s Honolulu tax attorney is pleased to announce that the firm is offering consultations for any taxpayers that have received notices relating to tax debt. There was concern amongst executives at the company that some people may be avoiding getting help due to large up-front fees. An individual may not know they need help until they’ve explain their situation to knowledgeable tax experts.

“The IRS will collect on balances owed to them, just like any lending institution or credit card company,” said a CTR spokesperson. “If you can’t repay your state income tax debt in full, contact a Hermosa Beach tax attorney for a solution. We want you to come to us and get a consultation to find out how we can help you with your debt.”

CTR’s tax professionals offering free consultations have seen an increase in clients choosing one of several methods of repayment, dependent on their financial situation. Whether a debt is owed on a state or federal income tax balance, tax specialists take into account debt, income and expenses when suggesting a settlement plan. In certain circumstances, a taxpayer will find the most success from an Installment Agreement. Success in getting rid of debt is the main reason the firm has restructured their fees to allow for the offer of advice.

CTR’s tax firm will, on occasion, solve federal tax problems with a hialeah tax attorney. In this case, charging for consultations will drive away potential clients that need help but cannot afford to spend money on simple guidance when they can’t make their debt payments on time. Taxpayers in financial hardship have been helped by consultations that lead them to apply for Currently-Non-Collectible status. Some clients have discovered during cost-free meetings with tax specialists at CTR that they would be best served by an Offer-In-Compromise, which involves offering a single payment to the IRS at a percentage of the total balance.

A spokesperson for CTR stated that “tax debt is not a thing to ignore. If you don’t pay the IRS and dismiss notices sent to you, you may find that the IRS takes your house, cars, and money from your bank accounts of paychecks. Our consultations at a Huntington Beach tax attorney can be the first step to finding a solution that works for you and the IRS. Don’t hesitate to take advantage of our free advice.”

CTR offers tax debt resolution and tax services for individuals and businesses across the United States. The company uses a three step program to create personalized strategies to help taxpayers settle their IRS debt. The company offers many services, including: state and federal tax debt resolution, IRS audit defense, tax preparation and bookkeeping.

Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

Related Debt Press Releases

Entrepreneur Advice Organization Announces New Free Gift Offer After Fed Study Shows Damaged Job Market is Reversible

Houston, TX. (PRWEB) September 01, 2012

A division of the Entrepreneurs’ Advice Bureau, at has announced a new free offer for business owners after federal reports showed that the damage to the current job market can be reversed. After the study was released, and depicted an optimistic future for the job market, the advice company announced their new offer aimed at helping business owners take advantage of the current upswing in the market and to take their company to the next level. The company has announced to new free offer, which includes professional insight on growing small businesses for entrepreneurs, in hopes that the offer will help the many entrepreneurs inspired by the current news of the job market, take their company to the next level.

The new offer is being launched for a limited time and was announced after the Federal Reserve released the findings of their research report. According to the new study, much of the damage done to the U.S. labor market from the recession cannot only be reversed but is already showing signs of turning around. The news provides hope not only for the job seekers trying to overcome unemployment in today’s market, but the many small business owners, who have been struggling in the down economy.

The Entrepreneurs’ Advice Bureau is launching the new free gift offer which includes an informational video, along with the limited time promotion, as a way to encourage entrepreneur’s to take their company to the next level. The organization hopes that business owners, armed with the news of the expected revitalization of the economy will take advantage of the offer and look to grow their company as the market starts to improve.

The new offer has launched on the company website and will be available for a limited time. For more information on this promotional offer and to take advantage of this free gift opportunity visit

Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

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Article by Pinto

Career planning is not an activity that should done at once. It is a life time process, which includes choosing an occupation, getting a job, and growing in that profession. According to research, an average worker will change careers multiple times over his/her life time, and it is never too soon or late to start your career. Career planning is an invested time, as it sets you the path that leads where you would like to go. This testing provides with you clarity regarding your career objective as well and best done, embarks on your job search. Career planning activity should be liberating and fulfilling that should be providing a goal to achieve in your current career plans for beginning a transition to a new career.

Here are some of the guidelines of career plan:

Before getting into your career plan, first explore the occupations in the industry, you are interested in and what is the labor market for that industry. Find out what really motivates you, what competencies you want to build up for it, carefully working your way to your reward, which could clearly be the consequence of your work.

Short term career plan: Mainly, short term plan focuses on time frame ranging from current year to next year. The key characteristic of short term career planing is developing realistic goals and objectives that you wish to accomplish in the near future.

Make your career plan as an annual event: if you are planning for a major career change and schedule a retreat for yourself, try to focus on career plan, i.e., what you really want out of your career plan, and do mapping of your goals, since the last time, you did any sort of career planing. Career path depends on your likes and dislikes. Hence, reviewing and selecting on the path always take time in order to reflect your career plans.

If your job and career still fail, if your job activity falls most in the dislike column, now is the time for you to begin examination of new jobs and new career.

Based on your appetite and aspiration, you can also get job offers, you wish. Suppose if you wish to be a Business Analyst, check out the source available to the kind of work for being a business analyst, If you really enjoy the work that comes with it, you must opt for it, Look further for job that fits you. For job satisfaction,growth, rewards and recognition, career plan plays an important role. Good quality life comes from one thing, which is you loving your job.

After deciding on a particular direction, build competencies. Careers need specific education and training. Whichever career you choose to be in, you will fare well if you strive to be the best in it. Learn to jump the ropes by acquiring the information through a course, by adding specific and special skill set that helps you to handle the job with greater proficiency. If your career goal is clear and towards your ambition, then start walking towards it. by acquiring skills and competency that help you along.

About the Author

Pinto has written this article on behalf of Gigajob Singapore,which is a Singapore Job Searching Site, where you can find latest job openings in IT,Marketing, Banking,Hotel management,Airlines and more domains.

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Article by David Larthe De Langladure

This week Max Keiser and co-host, Stacy Herbert, talk about the new world order in which we’re all Greeks due to the fact we did not see the signs in 1969 – “Make Really like, Not Debt.” In the second half of the show, Max Keiser interviews Birgitta Jonsdottir, about the correct state of transparency, banking and economy in the most recent IMF poster kid, Iceland.

Write-up by What Career Team

Do your study

there’s absolutely nothing worse than getting ill-prepared and getting stuck on a tough interview question when you’re trying to start off a new career. A lot of interview candidates fear tricky interview questions but you can only get caught out if you haven’t completed your analysis. Make sure you know, what the company does, any clients they work for and any news coverage they may possibly have had. This will permit you to make intriguing banter with your employer because you have a widespread interest (i.e the company).

Should I call or email?

When creating an impression, to make a good one you constantly want to put your very best foot forward. In the experience form every person in the what career is appropriate for me office agrees that phoning is always much better. When you function in a business you’re continually becoming contacted by e-mail all through the day. It’s such a breath of fresh air to be approached by someone who has taken the time to call you. Even though on the telephone you can express more about your personality in your tone of voice. If you’re lucky you will catch a prospective employer on a great day, exactly where they have time to deal with your request they might even ask you a couple of effortless questions and arrange an interview. This is good since it produces the identical result as sending an email, but you get your answer directly. Occasionally they may well tell you that they don’t have any vacancies. Don’t take this as rejection since they don’t even know you, it can’t possibly be personal. Most individuals are faced with a scenario exactly where they are asked to submit their CV shortly soon after talking to a possible employer over the phone. This is a positive sign of items to come and potentially a doorway to starting a new career, this lets you know that they are interested and you can be assured that you’ll get a response.

Fire with all ten cylinders

Show some initiative, don’t just print off your CV, bring a covering letter or individual statement with you. The CV of course crucial as nicely, but make sure it’s the ideal possible draft of your resume, not your 1st-draft. If you run your own blog or site, take a screen shot of it and print it off, this will at as a visual aid for the duration of your interview and might take some of the heat off you for a even though simply because they will be seeking at some thing else. Showing initiative communicates to the employer that you’re critical about starting a new career.

Be confident

Act as if you’re excellent for the job and your only chance now is to prove it. Fill your self with self-belief as a lot as you can spare, you’ll want it. don’t go overboard, you dont want to sound like you’ve been stalking the managing directors for the last 3 weeks. Play it cool and share with the interviewer what you’ve learnt about the firm and tell them what source the info came from, ie their website, newspaper, trade magazine, social media, contacts.

About the Author