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Holiday Shopping With Your Smartphone

Smartphone Holiday ShoppingHoliday sales promotions are being thrust upon us sooner this year than ever before with advertising being rolled out weeks before Halloween. Retailers and online merchants are hoping to cash in on $640 billion in holiday spending. More than 10% will be ecommerce sales expected to exceed $60 billion; of that figure, mobile sales are projected to comprise 16%, according to eMarketer. Bargain-conscious consumers will tap into BOGO sales, coupons, promotions and free shipping to stretch their holiday dollars. Read more »

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5 Personality Traits of The Rich & Successful

Traits of Rich & SuccessfulWhy is one person able to live debt-free while another is constantly worrying about how to pay their creditors? Generally, as with any group, debt-free consumers have a lot in common. In fact, they share many of the same personality traits as the rich and successful. If you want to be debt-free, learning these qualities and incorporating them into your daily life may be the ultimate key to your success. By observing how the debt-free live it’s possible to change your way of thinking, form new habits and hopefully switch directions. Read more »

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4 Ways You May be Wasting Your Money

Wasting MoneyThe problem with suggesting that people are wasting money is that most people are oblivious to the fact that they’re spending unwisely. Try writing down a list of ways you’re unintentionally throwing away money and you may be hard pressed to come up with more than a few. That’s because when something becomes a habit or part of your daily routine, you tend to think you can’t live without it and don’t even consider the alternatives that would cost less. It’s time to change your thinking and break the habit of wasting money! Read more »

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ID Theft Reported Less But Still a Threat

ID Theft ThreatThere was a time, not that long ago, when news stories about identity theft were so pervasive that it struck fear in the hearts of most Americans. Self-promoting salesmen used scare tactics to sell security products and the media regularly used the subject to keep you tuned in to the evening news. While the issue isn’t at the forefront of what we watch and read anymore, identity theft is still a threat, with the number of identity fraud victims at more than 11.5 million annually, according to the U.S. Justice Department. Read more »

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Are You Compromising Your Financial Future?

financial-futureYou don’t need a crystal ball or a psychic to predict what the future holds for your finances. It’s easy to determine RIGHT NOW by evaluating how you handle responsibility and manage your day-to-day life. If you’re undisciplined, afraid of change or satisfied with the status quo, chances are you’re destined for disappointment. If, however, you can stick to a plan and are willing to make changes whenever it’s required or absolutely necessary, then you’re more inclined to be satisfied with your financial situation in the future. Read more »

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A Financial Foundation for College Students

Student FinancesHere’s something many college students may not know – money management during your college years has a direct impact on your employment opportunities after college. No matter how high your GPA is, potential employers will pass you by for another job candidate, if you have a dismal credit history. And it’s not just about excess debt hanging over your head but the message it sends of indifference and poor management skills. Read more »

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How We (as Americans) Define Success

Success in AmericaIndividual hopes and dreams comprise the collective notion of the American dream. It’s the idea that by working hard everyone has the potential to succeed and generally includes a list of goals. During the last century, the definition of the American dream would have included home ownership, secure employment, a car and a happy family. No one knows why it began to expand, but it now includes less tangible ideals like hope, inspiration, freedom and personal fulfillment and is no longer static but changes over time. Read more »

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How a Good Credit Score Can Save You Money

Credit Scores Can Save You MoneyWhen it comes to living the American dream, credit matters! Disparaging comments made by some financial experts about the dangers of borrowing money and the suggestion that cash should be used at all times ignores the simple fact that most Americans require credit to buy a house, car or large ticket item. Credit reporting agencies are responsible for developing your credit scores and reflect your level of risk to potential creditors. A high credit score is essential and key to saving money in a couple of important ways. Read more »

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Earn Some Extra Cash… Sell on eBay or Craigslist!

Sell on Ebay and CraigslistWho couldn’t use a little extra cash now and then? One way to kill two birds with one stone is to clear out your extra stuff and sell it. The most common way to resell old goods is to have a garage or yard sale. You might be able to get rid of some things,
but expect to spend lots of time and energy collecting enough items to make it worthwhile. Then, you’ll need to organize everything, set prices and spread the word before the big day. You’ll spend several long afternoons just overseeing the transactions, and if everything goes well you might earn a few pennies on the dollar. There must be a better way… Read more »

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The Real Value of Loyalty Card Programs

Loyalty Card ProgramsKeeping costs down is an ongoing challenge when it comes to necessities like food and gasoline. Drive by your local gas station any day of the week and you’ll see the price fluctuate up and down – a crap shoot for anyone hoping to save. Food prices fluctuate too; but not so noticeably, with each store adjusting their prices based upon the costs their distributors are charging that week. Loyalty programs were introduced as a way for consumers to save more money, but do they work and who is really benefiting? Read more »

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Disclaimer: The content on this website is for educational purposes only and should not considered professional financial advice. References to third party products, services,
rates, and fees may change without notice. Please visit the referenced website for up-to-date information since program terms may change without notice to us or our visitors. In some cases we may receive compensation for financial products or services mentioned on this website. All opinions and views expressed are soley those of the authors.