Budgeting

There are few things more powerful for your finances than having a budget and sticking to it every month. It’s not always easy, but with the right steps you can make your budget work well for you. Your budget will get you on track to pay off debt and build wealth. The blog posts below are packed full of tips to help you create a budget and start saving money now.

10 Bad Financial Habits that Can Ruin Your Future

The things you do today can influence your future. Good money decisions made now lead to a brighter, more financially secure tomorrow. Likewise, there are bad financial habits that can sink your future and lead to debt and devastation. Every money decision you make everyday will influence the outcome of whether you’ll be successful paying off debt or building wealth. As…

Dining Efficiency: Ways to Split the Bill

We’ve all been in that situation where we’ve had to shuffle around to pay for a tab while dining with a large party at a restaurant. How do you and your friends or family tackle this tedious task? Everybody either pulls out their phone calculators or begins writing down their orders on receipts to calculate what they owe plus a…

How to Spend Money According to Your Priorities

How often do you get to the end of the month and realize that you just don’t have enough money to do all the things you want to do? Maybe you’re even running a deficit for the month because you had more bills than you had income. If you want to break the cycle, the first thing you need to…

Here’s Why Now’s a Good Time to Start Your Holiday Shopping

Holiday decorations have yet to grace the aisles of local department stores, but with school supplies purchased and summer trips coming to a close, that tends to be the next major hit to wallets across the country. Many Americans turn to credit cards to finance the holiday they want, resulting in a hefty bill that is still hanging around come…

5 Reasons Why Your Budget Is Destined to Fail

According to a recent Gallup poll, only one in three Americans have a written or digital budget intact. Alarming, to say the least, but you must also ask yourself what percentage of that small group successfully execute their spending plan each month? In fact, I’ve mentored hundreds of individuals who were spending an hour or so drafting up a budget…

4 Tips to Furnishing a Dorm Room Without Going Broke

With shower shoes, concrete floors and compact beds, getting acclimated to dorm life can be tough. You can try to make the transition easier by purchasing furnishings that feel more like home, but minimal space paired with the financial burden of tuition, means spending a bundle on furnishing temporary quarters just isn’t practical. Whether you are getting ready to start…

6 Things You Should Always Negotiate Pricing On

If you’re like me (and probably everyone else for that matter), I’m always looking for the best deals when it comes to making a buying decision on a product or a service.  But I always take it a step further by negotiating the final price:  It’s all part of my money saving techniques to help keep more money in my…