Personal Finance

Save Money on Utilities

Let’s face it, money can get pretty tight for all of us at times. One way that we can cut back is to try to save money on our utilities. Some areas make that easier than others. For example, in Alberta or anywhere that consumers have a say in their power provider, you can compare energy rates and plans to choose which one best suits the needs of your family and your budget. For more information on that, click here. Some people are of the opinion that the state your finances are in is a reflection of you. Some good arguments can be made to that point, but whether or not you have a savings account should not define you. At the same time, if you don’t have a savings account, why not? You can more than likely cut corners somewhere to save a bit of money. Why not start…

Calming Financial Panic: A Practical Guide

Everyone worries about money from time to time, but there’s a difference between doing that and lying awake during the wee hours of the morning because you’re not sure how to soothe the impending doom you feel due to financial woes. Keep reading to get some real-world tips about how to stop letting money fears dominate your mind and life. Eliminate Financial Shame There are a huge number of factors that could cause people to suddenly fall into financial ruin. From unexpected medical bills to suddenly getting laid off, these are two situations that could make you strapped for cash, and both are difficult to fully anticipate. Also, maybe you’re feeling panicked because of a temporary mismanagement of money. Even if that’s the case, no one’s perfect, and nothing good comes from beating yourself up over past financial mistakes. On the other hand, it’s a great idea to rid yourself…

5 Things You Must Know Before Taking Out a Loan

There are many reasons that people might need to take out a loan. Whether you’re looking to buy a home, a car or some other expensive item, it might be hard to come up with enough cash to make the purchase outright. Additionally, before many people are able to save up much in the way of capital, they might have an unexpected expense that requires a loan to pay off. Here are five things that you must know before taking out a loan. What Type of Loan You Need There are many different types of loans out there for consumers. If you’re looking to buy a home, a mortgage will be necessary. If you’re ready to buy a car, an auto loan will fit the bill. There are also other types of loans that range from credit card advances, title loans that use the title to your vehicle as collateral,…

How to Save Money on Travel

If you ask the average person why they don’t travel, you’ll probably get an answer along the lines of “It’s too expensive”. When we look at how much we spend on “things” every year, it’s easy to see why most people believe that they can’t afford to travel. Because many people only get to travel every few years, they plan a huge vacation that often costs thousands. The problem with this, is that staying in 5-star hotels becomes the new way to travel, and people naturally assume that they’ll need some serious money if they want to see the world. Here’s how to save money on travel: Travel Longer It may seem strange, but instead of heading away for a few long weekends throughout the year, or even two one-week vacations, it makes more sense financially to just work hard and then take a longer holiday. Save your time off,…

Mindset and Power Dressing Tips for Entrepreneurial Success

Confidence is a defining characteristic of entrepreneurs. For instance, in 2014, 91 percent of entrepreneurs were confident or very confident that their businesses would be more profitable over the next year than over the previous 12 months. This type of confidence is necessary for entrepreneurs to overcome self-doubts, skepticism from family and friends and financial setbacks. But confidence comes more easily to some than others, and some of us need to work at it. Confidence can be especially challenging for female entrepreneurs, with only half of women feeling confident that they are capable of starting a business, compared to two-thirds of men, according to a report by Babson College and Baruch College. Taking steps to nurture your confidence can be key to success as an entrepreneur. Cultivating an unstoppable attitude, dressing for success and developing a routine for getting in your confidence zone can all boost your confidence and increase your odds…

The State of Your Personal Finance Reflects Who You Are

The current situation of your personal finance can help you realize where you are at a certain point in your life and what you can do to steer it in the right direction. Let’s take a closer look at this and comb through the results we get. If you are currently in debt, there is a good chance that you are living above your means and spending more than you earn. In other words, you spend money which you have not accumulated yet. I agree that some debts are slightly less bad than others: your home, your student loans, investment… But again, if you got to a stage where you think debts are normal, you probably would not have tasted the concept of living a life free of debt for a long time. To live below your means implies saving before buying anything and finding creative and intelligent ways to…

Don’t Let Yourself Fall For These Online Scams!

We all like to make a little extra cash from time to time. After all, whether we like it or not, money makes the world go round. But if you’re what is known as a ‘millennial’ money can often be tight. Student debts and rising rental costs mean that many 18-25 year olds today are severely out of pocket, with most of their income only going on living costs. This leaves little extra cash to splash. So, things such as going to the movies, vacations and nights out are, unfortunately, out of the question. With this in mind, it’s no wonder that so many people are now turning to making money online as a way to supplement their income. This is all well and good – providing you know what you are doing. Unfortunately, there are a lot of scammers online who will try to con you out of money.…

How You Can Have More Money Than You Ever Thought Possible

Some people say that money is the root of all evil. However, thinking of money this way can cause you to put up blocks that stop it from coming to you. The truth is, we can all have more money than we ever thought possible. There’s nothing wrong with wanting money. It can bring us security and a comfortable life. We can give our families everything they’ve ever wanted with enough money. How can you have more than you ever thought possible? Read on to find out… Start Being More Thankful For The Things You Have Instead of focusing on the lack of money or things you want, start being more thankful for the things you have. Many people will tell you that focusing on the things you have and being grateful for them is a great way to attract more money into your life. You need to get out…

Increase Your Disposable Income With This Essential Guide

We all would like to have more disposable income to spend on life’s luxuries. But yet for many of us, we can find this amount decrease as each month goes by because we are not savvy with our expenditure. However, there are many ways you can save money here and there on those essential bills. Therefore increasing the amount of money you have left each month. If you would like to increase your disposable income, then this essential guide should help. Shop around for the best deals on your bills We can often forget about those bills we have to pay each month. They leave your account; you receive what you pay for, and that’s it. Over and done with. But loyalty doesn’t pay off in these situations, and you could be paying more than you need to. A lot of companies offer exciting and cost saving deals to new…

How to Earn Money Online

We could all use a little cash, and whether you’re saving for something big like a car, vacation, or house, or just trying to get out of debt, it’s common for your 9-5 to just pay your bills, never really allowing you to get any further ahead. Here are some ways you can earn extra money online: Freelance If you’ve ever worked in an office, it’s likely that you have some sort of skill that you could take freelance. If you love design, know how to draw or write, have been coding in your spare time for fun, or like to create websites, there’s a market for you. Check out Upwork, Odesk or Fiver, create a profile, and get to sharpening your skills so you can attract clients.  Remember, these websites have thousands of people who all hoping to be able to earn enough money online to eventually be able…

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