stop overspending

3 Simple Steps to Stop Overspending

If you admit to being an over-spender you’re not alone. Total debt in the U.S. has reached $11.9 Trillion dollars while the average american household has over $7900 in credit card debt, $10,000 in auto loans, and over $100,000 in mortgage loans. While robust consumer spending is an important driving factor for the U.S. economy, […]

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find your next job

5 Ways to Find Your Next Job

When it comes to job hunting, most people know to check the employment guide in Saturday’s newspaper or log onto their favorite online job search engine. There are other ways to help secure your dream job though – and sometimes you don’t even need to wait for the position to be advertised. Below are five […]

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questions to ask at every interview

10 Essential Questions To Ask At Every Interview

Looking for a job can be a stressful task. No one likes rejection and the interview process puts you face to face with rejection each time you begin answering the interview questions. Not only do you have to answer interview questions, you also have the opportunity to ask questions. Asking the right questions can help […]

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Home Repair Costs

Real Estate and Self-Directed IRAs

Self-Directed IRA Growing in Popularity   If you are contemplating adding real estate to your investment portfolio you may want to consider a Self-Directed IRA as a possible financing option.  With the recent downturn in the real estate market, values for real estate in some markets have plummeted by as much as 50%, investors are […]

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Top 4 Ways to ruin your FICO credit score

Top 4 Ways to Ruin Your FICO® Credit Score

Your credit score is one of the most important pieces of information financial institutions use to determine everything from the interest rate you’ll pay to the type of loan you qualify for.  There are many things that can negatively affect your Credit Score and your ability to effectively manage it may well save you thousands […]

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teach your kids about money

4 Things You Need To Teach Your Kids About Money

Shockingly, most schools don’t teach children about how to save money, create a budget, or make smart financial decisions. Odd right? These financial skills are critically important to be able to navigate life. Since the school system doesn’t teach these skills, YOU will need to educate your children about the personal finance issues they will […]

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transform your finances

All or Nothing – How to Transform Your Finances in 1 Hour Each Month

All or Nothing Day is usually thought of as a day of extremes.  Being extreme can be fun on occasion but probably won’t help to improve your finances but taking one hour each month to focus on your finances will.  Here are several tips to help you transform your finances:   Track Your Spending It’s […]

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When Your Parents

What to do When Your Parents Won’t Pay for College Tuition

With college tuition costs continuing to rise faster than the rate of inflation, more parents are struggling with the idea that paying for college is exclusively a parental responsibility.  The average yearly cost for tuition, room and board at a 4 year public university now costs $16,614 and $39,569 at a private university.  That puts […]

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financial problems

4 Reasons a Budget May Not Solve Your Financial Problems

Even though the stock markets have recovered nicely from the turmoil of 2008, many people are struggling and have not benefited fully from the recovery.  During the height of the Great Recession, nearly 700,000 Americans lost their jobs each month. According to the Hamilton Project, a study of full-time workers who lost their jobs between […]

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make more money

5 Ways to Make More Money

Wouldn’t it be nice to have more money?  Of course it would be! Because you work so hard for your money, it makes sense that you should want your money to work just as hard for you! The more money you earn, the easier it is to pay your bills and extra income even makes some […]

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