Personal debt is a problem for many individuals. Any debt can be hard to pay back but when the ratio between your income and your personal debt reaches a critical point, this becomes a problem. Read more »
Tags: credit, debt, finance, income ratio, money, personal budget, personal debt
Who says that you can’t have fun for cheap? Forget about expensive amusements (which are boring at that) and you will be able to both save money and have fun. Read more »
Tags: cheap entertainment, entertainment, fun, have fun, money, personal budget, personal finance, save money, save money on entertainment, saving
Personal debt is a frequent problem for many individuals. The reasons why people get into debt are various but the consequences are more or less the same. The worst is that people don’t learn from mistakes and repeat the same mistake over and over again. Read more »
Tags: avoid debt, debt, debt management, investing, money, personal debt, personal finance
Children are frequently given piggy banks on various occasions. The idea is that a piggy bank will teach a kid to save. Well, judging by the global level of indebtedness, our generation hasn’t learned the lesson. No, I don’t mean that adults need to get a piggy bank just to learn to save. Read more »
Impulsive shopping is the worst enemy to your personal budget. Impulsive shopping might look innocent but when you sum up all the money you have spent on impulsive purchases, could turn to be an impressive amount. Read more »
Tags: bargain, finance, impulsive shopping, money, personal budget, personal finance, purchase, shopping, spend money
Before it comes to the bone – i.e. when foreclosure is pending, you might want to explore what foreclosure alternatives are available. There is no doubt that it is best if you know the reasons for foreclosure and avoid foreclosure but if this isn’t already possible, the best you can do is inform yourself about the available foreclosure alternatives. Read more »
Tags: bankruptcy, debt, foreclosure, foreclosure alternatives, home, house, loan modification, money, mortgage, personal finance, real estate, short sale
Foreclosure is the nightmare of every owner. Sometimes it is possible to avoid foreclosure but very often you have no other options to deal with your creditors. As with anything in life, it is much better to do everything you can in order to avoid foreclosure than to wonder how to deal with it. Read more »
Tags: finance, foreclosure, foreclosure reasons, home, house, interest rate, medical emergency, money, mortgage, personal finance, real estate
Recessions are part of the economic cycle and no matter what governments do, recessions happen. When the economy is in top shape, it might be hard to imagine that a recession will follow shortly but this is how things are. Read more »
Tags: economy, expenses, income, money, personal budgeting, personal finance, recession, save, survival, survival tips, survive a recession
Your landline phone is slowly becoming obsolete. Thanks to modern technologies, most notably VoIP and mobile phones, landline phones are not a necessity anymore. Of course, you can keep your landline phone but if you pay monthly subscription for it, you can save some money if you cut your landline phone. Read more »
Tags: landline phone, mobile calls, money, personal budget, personal finance, phone calls, savings, Skype, VoIP
If only we knew how to avoid temptations, this would have made it possible to forget about money problems. Temptations are one of the major ways to drain a personal budget and endanger the wellbeing of one’s personal finances. Read more »
Tags: avoid temptations, budget, money, money management, personal finance, plan, save, save money, save money tips, shopping, temptations