Finance

• Too Busy To Save Money: How To Find Your Starting Point

  Let’s face it. Unless we’re going to inherit great wealth, we’ll need to tuck away some money. And, if you’re still reading, chances are you won’t inherit from your wealthy relatives (smile).

• Should I Declare Bankruptcy?

  Just because debts are eliminated doesn’t mean that the slate is wiped completely clean. Debts discharged in bankruptcy will appear in your credit history. In Canada they will remain for 6 years. In the U.S. the bankruptcy will appear for 10 years.

• Money Saving Motivation And Tips

  If you have a hard time finding the motivation to start saving money, consider challenging yourself to tuck away what you save. It can be very motivating to watch your money grow. Set up a special savings account to make weekly deposits of what you have saved from your money saving efforts.

• Thirteen Easy Ways To Reduce Your Food Budget

  When trying to cut expenses, food is a great place to start because there are so many opportunities to save. One way to watch your savings pile up and be able to use it for a goal, such as a vacation, down payment on a home or paying off debt, is to put the cash you saved from any purchase into an envelope or a jar until you get enough to make a bank savings deposit.

• Financial Guidelines For The Year Ahead

  It’s always arguable that the future is uncertain, which is often used as an excuse for remaining locked in neutral gear. Fortunately, however, there are some indicators in play that can be used for guidance. Let’s take a look at some of these.

• Mistakes That Mortgage Shoppers Make

  A friend in another state asked me the other day, “I am about to shop for a home loan, could you give me some tips on mistakes I need to avoid?” Whether you are purchasing or refinancing a home, here are the tips I recommended to her, and to you all as well.

• Mortgage Myths

  As in every industry, the business of home loans is beset by many myths that borrowers cling to as reality that can sometimes be damaging to them. Lets look at a few of those myths, and the truths behind them.

• Putting A Leash On Debt

  Have you met the Going-Broke-Saving-Money monster? I sure have. The item on sale is just “too good to pass up”. The bottom line is simple—you can be in control of your finances. But you must first be in control of your choices. Here are some steps to help you get control of your finances, and dig out of debt.