|
|
|
Terry Rigg - EzineArticles.com Expert Author
Terry Rigg is the editor of the Budget Stretcher web site. To Subscribe to The FREE Budget Stretcher Newsletter and receive The Complete Budget and Bill Organizer absolutely free just visit his home page.
Terry has 35 years of experience dealing with personal money management and can provide expert advice on the many steps required to achieve financial freedom including providing all of the tools necessary to make a personalized management plan for anyone.
The highlight ... [More]
[View Terry Rigg's Extended Author Bio]
[Display Categories] Sort By [Title] [Newest] [Oldest]
- Sorting Your Money
[Finance:Personal-Finance] For anyone that is familiar with The Complete Budget and Bill Organizer, you already know that I recommend that you use your checking account to pay bills and cash to cover your household expenses. With all of the different items that the average individual or family spends money on, it can be difficult to keep it separated.
- How Did I Get in This Mess?
[Finance:Personal-Finance] When I was younger and having all kinds of money problems, I ask myself this question a thousand times. It seemed like one day we were doing fine financially and the next we owed everybody. How can it happen so quick? This is a problem that a lot of people are experiencing today. It can be one of the most helpless and frustrating situations most of us can find ourselves in.
- Big Money Problems
[Finance:Personal-Finance] Are you scared, worried, unsure of what to do, frustrated, embarrassed and humiliated because you can't pay your bills and put food on the table? What happened? Did you lose your job? Maybe you are sick or hurt and can't work.
- Money is a Family Affair
[Finance:Personal-Finance] If you are single and don't have kids this tip won't mean much to you. For the rest of us that have others to consider when making money decisions it just may make things a little easier.
- Credit Cards - Can You Do Without Them?
[Finance:Credit] As we all know credit card debt is out of control. The credit card debt is currently $8400 per household at an average annual percentage rate of 14.7 percent. In fact, about 18% of all consumer spending is on credit cards and is expected to reach 30% by 2006.
- What You Need To Manage Your Money
[Finance:Personal-Finance] With record bankruptcies, mortgage foreclosures and prices skyrocketing, it's more important now than ever before to properly and effectively manage your personal finances. Statistics show that most people could manage very well on the income they have now if they were able to keep their bills and expenses within their income. Sadly, too many people do not understand how to do this or how to recover once they have overextended themselves.
- Constant Credit Card Payments
[Finance:Credit] There is a way to see your credit card balances go down quick without adding more to the payment you make this month. This is easy to do and you are guaranteed to pay much less interest and pay it off much quicker.
- Budget Leftovers
[Finance:Budgeting] It is extremely difficult to setup a budget, especially
when you are behind on some of your bills. Even if you
can make your regular bills and expenses fit neatly into
your budget, what can you do if you don't have the money
to catch up?
- Setting Your Financial Priorities
[Finance] Whether you know it or not, you are always setting your financial priorities. Some may decide that a new stereo system is more inportant than this month's electric bill. This may be a little off the wall but it is still setting your priorities.
- Living On What's Left
[Home-and-Family] Are you one of those people that pay your bills no matter what? That is an admirable trait to have when managing your money. You made the bill and you feel you are responsible for paying it. Good for you. Now let's talk about how much money you have to cover your household expenses after you pay all of those bills.
- Can I Afford This?
[Home-and-Family] It’s time to replace that old car. Your repair bills are
starting to add up to more than the payment would be. But how
do you know for sure if you can afford another vehicle?
- Paying Your Bills On Time
[Home-and-Family] You've heard it before. "You always have to pay your bills on
time or it will hurt your credit rating". The fact is that not
paying your bills on time can also cost you a bunch of money.
The last time I checked being late on a credit card payment
can cost you as much as $29 each time. In some cases this is
more than the payment.
- What To Pay When You Can't Pay Everything
[Home-and-Family] How do you decide what to pay when there just isn't enough money to cover all of your bills and expenses. There is a simple formula for this that you will find in this article.
- Budgeting When Your Paycheck Varies
[Finance:Budgeting] How can you decide how much you have for bills and expenses when
your paycheck varies from one payday to the next? That's a
question a lot of people struggle with.
- The Most Costly Expense of All
[Home-and-Family] Just what is it that takes most of your income every payday? This article explores that question, answers it and provides some guidance on what you can do to cut that expense.
- Your Consumer Rights
[Finance:Credit] If you have ever fallen behind on your debts you already know
that dealing with your creditors can be a hassle. Sometimes
it can be downright humiliating. It doesn't have to be that
way.
- Your Checking Account
[Home-and-Family:Parenting] Too many people pay too much money in overdraft fees by not properly managing their checking account. This simple process is explained in detail in this article.
|
|
|
