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Money Saving Tips

Money Saving Tips

Unless you’re in the top 5-10% in terms of household income you’re probably looking for money saving tips. The problem most people run into is that you don’t want to sacrifice anything. If that’s what you’re looking for, I wish you luck and please pass on the good news to me when you find the […]

Consolidation Loans

Consolidation Loans

Many Americans now find themselves with multiple revolving debts: credit cards, non-mortgage loans, etc. My guess is that virtually all of them have at some point thought to themselves that it would be nice to consolidate each of those monthly payments into one loan so that they could get out of debt once and for […]

Planning for Income Taxes, Part 1: Exemptions

Planning for Income Taxes, Part 1: Exemptions

Tax Planning: Should you try to receive a larger lump sum via your tax refund or claim more exemptions and increase your take home pay year-around? Until today, I would have strongly recommended the latter, afterall why give the government a tax free loan? However, a few days ago I was filing my fiances taxes […]

The Best Books on Personal Finance

The Best Books on Personal Finance

The purpose of books on personal finance is twofold; to educate and, more importantly, to motivate. A great book in this genre will discuss tools and concepts that will assist you in reaching your goals plus inspire the reader to follow through on their plans. We all want to improve our lives in multiple facets […]

Personal Finance in the New Year

Personal Finance in the New Year

My personal finance mantra is “Plan, plan, plan!” No matter where you are in your financial life: just starting out, paying off debt, saving for a home, or investing for the future the only realistic way to get there is to create a plan which fits your circumstances and can be maintained over a certain […]

How to Pay Off Debt

How to Pay Off Debt

How to Pay Off Debt Most financial “experts” have an opinion on what method consumers should use to pay off debt. These solutions assume you have a small amount of dispensable income left after making the minimum payment or standard loan payment that you can and WILL to apply toward your debt. If your cash […]

Vacation Spending

Vacation Spending

Vacation Spending If you’re like most people your next vacation, long weekend, or holiday is a major focal point of how you motivate yourself to keep going by looking forward to that much deserved time off. I myself recently returned from a wonderful vacation that I had been looking forward to for months. I had […]