Personal Money Management

Most couples argue over money at one time or another. When you combine two lives and promise to share everything that includes combining the incomes too. You just have to have the same goals and a...

Saving money in accounts that bear interest and investing money in the stock market are two common ways of growing wealth over time. Investing in stocks carries higher risk but has the potential...

Here's a completely safe and legal way to make a few extra hundred dollars this year. It takes a little work, but it's definately worth it, especially because there is no risk. All you need is a...

Many members in the military have a hard time saving money, but being in the military offers great opportunities to save for the future.

Cash management is crucial to a sound personal finance strategy. Understanding your expenses and a personal budget, are the first steps to cash management; proper investment of savings provides...

At first glance, organizing and simplifying your finances may seem a bit overwhelming, but have no fear - it's not quite as daunting as you might think. Plus, you'll be handsomely rewarded in the...

Making the right decisions to keep yourself out of financial trouble is important. Even amid financial difficulties it is not too late to start making the right decisions. Take several key steps...

There used to be definite distinctions between a checking and a saving account. You used a checking account to pay bills and make purchases, whereas a saving account paid interest at various...

In a rough economy, cutting costs and saving money is more important than ever.

It’s always a smart plan to build a quick emergency fund while you are in a good financial place, because you never know when that could change in the future. The general amount that you put into...

A personal income statement is a document that tracks monthly or yearly income and spending for a person's own personal budget. Income statements are used to measure your incoming funds and...

Savings Bonds are a safe and secure way to invest your money while helping out the United States government. These Savings Bonds give you an interest rate anywhere between 3% and 6% depending on...

Having trouble with managing your spending, carelessly paying bills late, or just feeling a little out of control? Here are a few simple tips I share with my clients to help them take back...

Here is a simple plan on how to structure your financial accounts. Where to allocate your money and how much of it. Your money should be divided into three accounts: your Checking, Savings, and...

Managing money can be challenging. It's important to live within your means, and there are some simple things you can do to help you do that. Creating a budget is a good start, but there are other...

Money management is often referred to as budgeting. Managing your money is a way to map out how your money will be spent and how it is currently being spent. It's good to start as early as...

Savings bonds are part of many people retirement and investment portfolios. They have always been a safe investment – after all, savings bonds are “backed by the full faith and credit of the...

Money market accounts are a less liquid form of high-yield savings account. Although they have a higher-interest rate, there are penalties for excessive withdrawals. Choose the most logical form...

Banks use high-yield interest savings accounts to draw people to lend their money at higher interest rates to other individuals to make a profit. Better understand what interest rates and loans...

Banks use high-yield online savings accounts because they have less overhead cost, as well as to draw people to lend their money at higher interest rates to other individuals to make a profit....

Each savings account has benefits such as no fees or higher interest rates, and some have more than others. Be smart about using a savings account with tips and advice from an experienced...

Increasing your personal savings is a goal that each and every person should have. Saving money is crucial to your long-term happiness because it allows you to have the ability to reach your goals...

Let's discuss ways you can cut back on spending money.

Money Market Savings Accounts can be a great way secure your money and help plan for your future. In this economy, however, making smart choices about which bank you choose can be vital to your...

With the economy in bad shape, there is no better time to teach kids about money. Children have the ability to absorb information at a very early age, and it is never too young to start.

If these times tell us anything, it is that we need an emergency fund. And it is absolutely essential to make the most of whatever we are able to save. Here are some tips to maximize your savings...

Manage assets wisely I was in a one day business finance class at my work the other day. The class was about the cash stool and how this affects the corporation. To visualize a cash stool think...

For those that have EE Savings Bonds, it's a double-edged sword. The security of receiving a set interest rate is great during times the stock market fluctuates, but when times are good, the...

The percentage of a person's savings that should be invested in stocks will depend on the person's age. Consider investing the same percentage as the person's age in bonds and the rest in stocks...

There are a number of different types of savings accounts, including regular, cash, demand, lock-up and equity savings accounts. Learn about marketing designations that have come about in the...

A high-yield savings account is an account that offers a more competitive rate of interest than a regular savings account. Determine whether a high-yield account is guaranteed by the U.S....

When comparing savings interest rates, look to the local newspaper for banking advertisements that tell what the banks are paying on savings accounts or CDs. Call a few banks and ask them about...

A money market savings account is an account that takes deposited money and invests it into stocks and bonds. Be aware that money market accounts are not as secure as traditional savings accounts...

One easy way to make sure that you are saving enough money to meet your goals is to have it automatically moved to your savings account every week, month, pay check, or whatever time frame makes...

Those little impulse buys can add up fast, and chew their way into your budget. Here are some simple ways to help minimize impulse spending:

Just about everyone wants to save money on medical expenses. Consider opening a health savings account (HSA) to pay for qualified medical expenses not covered by your health insurance plan. If you...

Get on the 60/40 Cash Flow Solution to start your journey to Get a Financial Grip in your life. Part 1 to the Get a Financial Grip Series.

Saving ten percent of your income is a great way to start a rainy day fund, or purchase investments. You may not be used to saving your money. Here are some quick tips to help you hold onto more...

It is crucial that children learn about the value of money and the importance of saving money as they grow up. Lessons learned early in life could help them avoid the financial problems, pitfalls...

When you get married, your money and savings sometimes gets joined with your spouse's finances. Should you have one big bank account? Not really. Here's how to manage your money and make sure your...

Every year approximately 25,000 payments and 15,000 US Savings Bonds are undeliverable and returned to the United States Department of the Treasury. There are also billions of dollars in United...

Money market savings accounts are a great alternative to standard bank savings accounts. Money market accounts are considered very safe investments, and generally deliver a higher interest rate...

If you're having financial trouble due to the recession and can't pay your mortgage or rent, sometimes clipping coupons does not make enough of a difference in your budget. Here are 10 ways to...

Money management is a difficult task. Whether trying to save more money for retirement, college, or trying to get out from under a mountain of debt, getting control of your finances begins with...

Since the 1970s, the U.S. money supply has increased annually. Increases in this supply cause inflation. As a result, prices for goods and services, as measured by the Consumer Price Index, rise....

A recession is when the nation experiences 6 months of negative gross domestic product growth (GDP). GDP is the sum total of all goods and services produced in a specified period. A recession...

You can save a tremendous amount of time by making automatic payments from your savings accounts. The time it takes to write a check, seal it in an envelope, stick a stamp on it and take it to the...

Everyone dreams of being wealthy. Living with financial stability does not have to be just a dream anymore. There are many ways an individual can build wealth. The following steps will guide you...

U.S. savings bonds are issued in two forms by the federal government, Series I or Series EE, both financed through the Department of Treasury while supervised by the Bureau of Public Dept. They...

You now realize that you cannot get life insurance and must save the money needed to pay for a funeral on your own. You want to begin a program but have no clue where it should start. Your funeral...