Drowning in debt and not sure how to get out of it? You could speak to creditors, budget smarter, make bigger payments or try debt consolidation. Debt consolidation is where you roll several of your debts into a single loan payment. There are a lot of factors to consider when deciding if debt consolation is

Come the New Year, many of us resolve to spend less and save more. Two subjects we discuss a lot on our blog! This year, we thought we’d shake things up a bit and give you a list of unique and ultra-specific resolutions/goals you can make for the New Year. Save Change When paying with

The year is almost over, which means it’s time to set up your goals for the New Year. We won’t call them resolutions, because those seem too easy to ignore. If you set up financial goals instead and put a plan together to accomplish them, you’ll be more likely to achieve them. The idea way

Keeping your personal budget and accounting organized is necessary to ensure any kind of financial security. Managing such accounts and budgets down to the individual transaction is, at best, a tedious task if handled the traditional pen-and-paper way. Fortunately, help is available. The option you choose will depend on whether you’re an excel monkey —

Setting up a budget If you want to get on top of your finances, a budget is a really good way to start. It’s just a record of money you have coming in (from things like your salary or wages, pensions or benefits) andpayments that you make (such as your rent or mortgage, insurance and Council

Sometimes the difference between being eternally broke and financially comfortable is just a few simple things you shouldn’t do. Avoid these basic money mistakes: Not tracking your spending – Pay attention to where your money goes. Your credit card statement will help you do this, but don’t forget all the incidentals you pay cash for.

Has this ever happened to you? You go to the store to buy something — like a printer — and you find just the one you want. But right next to it is a printer that’s around the same price but has a rebate that knocks $50 off of it. You buy it, promising yourself

It seems like it’s become a national craze – using your credit card for everything—even routine or daily purchases. While it’s a bad habit that will be hard to break, it’s better to start sooner rather than later. To break that habit, here’s a simple idea to help get a handle on the situation: Pay

Here are a few ways to save money on car insurance: Shop around. Prices vary from company to company, so it pays to shop around. Get at least three price quotes. You can call companies directly or access information on the Internet. Your state insurance department may also provide comparisons of prices charged by major

You can make your own budget worksheet using either a pen and paper or a computer spreadsheet program. Think of your budget in terms of two things: money and time. Money, of course, is divided into its own two categories: Income and Expenses. Follow these steps to make your budget worksheet: List your income in