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Saving money can be a difficult habit to start and the one habit that is amazingly very easy to stop. Fortunately, there are a few easy tricks to saving that don’t require a budget overhaul. From paying in a manner that generates rewards for you to not spending a certain type of paper currency, all are ways you can save without really changing your habits either.
Having your first child or adding to your family is a very exciting and rewarding experience. Before the baby arrives there seems to be a lot to do, fix up the nursery, attend baby showers and yes, start planning financially for that new bundle of joy. New children often require a re-working of the monthly expenditures, whether you are on a budget or not.
Love and money are two topics that go hand in hand as part of building a healthy relationship that lasts. Unfortunately, many couples don’t discuss money issues until after getting married. There are a few important topics to cover with your significant other before walking down the aisle.
Buying a home can be a great experience especially if you are prepared ahead of time and understand the process. Once you know you are ready to buy a home, start the process by assembling your team and taking a couple of important steps before looking at specific houses.
Buying your first house is a big step and often times, people don’t find out if they are really ready to own a home before embarking on the process. Being ready is about being financially and emotionally prepared to buy and own a home.
Have you finally decided it’s time to make a budget or at least get your some of your expenses under control? Well, one of the first questions you should have is how much should be allocated to each expense area. The best way to answer that question is to use what others are spending for each type of expense and build your budget from that starting point.
For most consumers there has to be a decision on whether to build your retirement savings or to build a college fund for your children. This is a very tough decision and one that can be emotionally charged. The best way to answer which should be a priority is to take the emotion out of the question and look at it as a pure financial dilemma.