Sure, January 1 has already come and gone, but it isn’t too late to get your finances in order for the New Year! Whether you felt in control of or controlled by your finances in 2018, there are usually improvements that can be made to help you reach your financial goals, develop good habits to save money, and feel more organized—a financial New Year’s resolution, as it were.
Everyone is busy and would like a few more hours in the day to spend time with the people that they love. Many parents feel this way about time spent with their children and seek ways of how to make the most of their quality together. Every day is important and, as the kids grow up, this is time that is difficult to get back. It is vital for every parent to protect the one on one time that they get with their kids. Cherish these moments and use them to create memories. For this reason, it is the quality of the time that matters. Below are 3 things worth spending money on for the kids.
Are you living paycheck to paycheck or has your income decreased from a life-changing event like losing your job? Many Utah families are struggling to make ends meet every month and have no financial wiggle room for additional expenditures for holidays or birthdays or in the event of an emergency.
In addition to creating a realistic budget and cutting splurges like your morning coffee ritual and eating out, you can greatly reduce monthly expenses by spending some worthwhile extra effort. Simple changes you make to quit overpaying for necessities and identifying things you can cut out to save money will give you a little more padding in your budget every month.
Sometimes life can be unfair and bad things may happen to good people and bad credit is quite often one of them. A poor credit score can be a difficult thing to cope with since it becomes tougher to get approved for loans, let alone a mortgage. Your only hope for now may be getting started for online payday loans. When your credit score is bad, it is easier to write off your dreams of being a homeowner in Utah, but the good news is that all isn’t lost. Just like online payday loans, there are mortgage options available for individuals with a bad credit rating if you know where to look.
For most people, starting college life usually means taking on a host of new freedom and responsibilities that you might be relatively new in one’s life. Besides making new friends and handling the rigorous coursework, you also need to tackle the difficult task of managing your personal finances for the first time in your life. While some people might succeed going through college without damaging their bank accounts, to others, it is a nightmare. Here are the top seven money mistakes that every college student should avoid.
Being financially responsible for 20-somethings in today’s day and age means finding the right job to get your own place, pay bills and buy groceries. For those having kids and starting families, it can seem like an endless daily struggle. For college grads, it can be a rude awakening. But if you set financial goals and work to achieve them while you’re still in your 20s, you will set yourself up for a more secure and less stressful future as you approach the big 3-0!
Even if keeping up with your finances seem to completely dominate every single dollar you earn, there are a few good financial habits that you can utilize to reach your money goals. From booking a well-deserved vacation to investing or buying your first home – you have the power to change your financial outlook and reach your target goals, even while you’re still in your 20s.
If you are struggling with money and your financial self-esteem is in the dumps – it’s time to do something about it before you find yourself in an even worse position. Even if you are living paycheck to paycheck, you can turn things around and gain financial confidence by adopting simple, everyday money habits to begin building wealth.
Payday loans
are designed for people who want to avoid over-drafting their bank accounts from missing bills such as rent during financial emergencies or delaying a payment that is time sensitive. Although payday loans have earned a reputation for being used by money mongers and loan sharks to mint money, they have benefited a lot of people. However, due to myths and misconceptions about online payday loans for bad credit, many people refrain from taking advantage of payday loans during emergencies. Here are 4 payday loan myths and why they are actually an amazing option for those in an emergency situation.
You can spend less on a wedding and still have a wonderful ceremony. Here are more than a few ways you can save money on a wedding.
Start with a budget, and treat your budget as sacred. Start by setting a hard maximum amount. Tally up all the expenses as you plan the wedding. Leave a small buffer of 5% or more for unexpected expenses.
If in doubt about what should stay and what should go, give the items on your list a ranking. Prioritizing what things are most important to you can help you cut away the things that aren’t, should the need arise.
Budgeting can seem difficult, especially at the start. When you look at your budget dynamically, you can start to see some of the things that can help you both stick to it and even improve it. Here are some smart financial decisions you can make to help you get the most out of your budget.
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