How many times have you had a client who would love to buy a home or get a mortgage loan and they just couldn't qualify because of their credit history? Isn't it frustrating for you and them both? And with the way the economy and real estate market has been over the last few years, a huge number of previously qualified home buyers have been pushed out of the market simply due to the credit challenges that they faced during the Great Recession! The good news is that there are reputable credit … [Read more...]
The Most Popular New Years Resolutions in North America
What are the most common things that North Americans make goals to accomplish in the coming year when New Year’s comes around? Here are some of the most common New Year’s resolutions, and tips for making them happen. Spending More Time with Family and Friends The polls have suggested that more than half of Americans vowed to spend more time with their loved ones in the New Year. As the years pass by we realized that one of most important things about life is who we spend our … [Read more...]
Creating a Holiday Savings Fund
Do you find that every January, you stare at your credit card bill and your bank balance in horror, shocked at how much money you spent in December on presents, holiday treats, decorations, special outings and more? The holidays can be a very expensive time of year, and many people tend to get carried away and sentence themselves to a January of barely scraping by. However, if you plan ahead for next Christmas, you will be able to buy all of the presents you need without even batting an eye or … [Read more...]
Got More Month Than Money? A Few Clever Ways to Save Money This Christmas
If you are short on funds this holiday season, there is no reason why your festivities have to be any less merry! You can still have a great time enjoying the season without having to spend a fortune. Here are some tips that will help you save money this holiday season: Instead of having to buy a gift for everyone in your office, group of friends, or social circle, why not organize a Secret Santa system instead. Put everyone’s name in a hat and then each draw out a name. You will only … [Read more...]
Three Tips for Becoming More Aware of Your Spending Habits
It’s not how much money you earn that will make you rich; rather it is your spending habits. How aware are you of what you spend on a daily basis? Do you ever think you have a certain amount of money in your account and then realize that you have a lot less? Noticing how much you spend can be the first step to learning how to manage your money better. Here are three useful tips for becoming more aware of what you are spending: Use Cash There is something about credit cards and debits cards … [Read more...]
Got Student Loans? Tips for Graduating Debt Free
Going to a university or college can be a great opportunity to obtain the education and qualifications you need to pursue the career of your dreams. However, many students find themselves under huge mountains of student debt after graduating, which will take years to pay back. Taking out student loans to go to college is not always necessary, and with a little foresight, hard work, and ingenuity you can get through your degree without having debt cast a shadow over your life. Here are some tips … [Read more...]
Ka-Ching! Simple Tips for Trimming Down Your Grocery Bill
Do you gulp with fear every time you approach the checkout at the supermarket? Do you end up spending a huge amount on grocery shopping every week, yet only coming home with a few bags of items? It is possible to cut down your grocery bill drastically; you just need to know how to outsmart the supermarket and get more for your dollar. Here are some clever tips for getting the most food for the lowest price next time you go grocery shopping: The most important rule is: never go grocery shopping … [Read more...]
How Diverse Streams of Work Can Help You Keep Your Cash Flowing
Here is a different approach to financial security that you might not have thought of: Imagine a full time job is like a large flowing river of income. With this one source, you have all of the financial flow that you could possibly need, and your expenses are covered in comfort. However, what about when something happens and the river ceases to flow? Your industry could experience a drought, or you could lose your job, causing the flow of that river of income to be dammed up forever.Since you … [Read more...]
Five Things to Do With a Windfall Other Than Spend It Right Away!
Perhaps you have won the lottery, received an inheritance, or cashed in one of your investments, and now you have a large sum of money you don’t know what to do with. Although it is tempting to cruise around town in a brand new sports car it is important to think carefully about how to spend your newfound cash. To give you some ideas on the smartest way to use your new wealth, here are five things to do with a windfall other than spend it right away: 1. Erase Your Debt Your newfound money … [Read more...]
How Diverse Streams of Work Can Help You Keep the Money Flowing In
Here is a different approach to financial security that you might not have thought of: Imagine a fulltime job is like a large flowing river of income. With this one source, you have all of the financial flow that you could possibly need, and your expenses are covered in comfort. However, what about when something happens and the river ceases to flow? Your industry could experience a drought, or you could lose your job, causing the flow of that river of income to be dammed up … [Read more...]