Between Black Friday, Cyber Monday and Giving Tuesday, you have had several opportunities to exceed your holiday budget with still nearly a month to go. If you find yourself in that situation, don’t panic. You have several options available that can use to get yourself out of this financial difficulty.
For most people, following the basic money rules is the right choice for their financial situation. However, as with most things in life, there are situations that following the tried and true advice might not be the best option.
Being debt free is a goal for everyone who has any debt. Yet even though that is a goal for everyone, hardly any has a true plan to be debt free in the near future. How can you reach debt free status? There are surprisingly several ways to become debt free that don’t have to be that painful.
The IRS is estimating that over 100 million people will receive a tax refund in 2016 out of an estimated 150 million tax returns to be filed. Chances are pretty high you will receive a tax refund so the next question is what will you do with it?
Another year has come and gone. And while it’s exciting to think of the New Year and new beginnings, there is also value in reflecting on the past. From a financial perspective, taking a look back at 2015 can help you lay the foundation for moving forward in 2016.
Achieving financial security doesn’t happen overnight, but it can happen with a detailed plan and some discipline to boot. Get started with these four easy-to-follow steps.
The New Year is a time for new beginnings. A time when people make declarations to lose weight, quit smoking, volunteer to help others, and develop better habits. You probably have a mental list of personal areas you want to improve. But have you considered adding a financial resolution to that list? How would your life look if you saved more, spent less, paid off debt, and planned for retirement?
A great first step in improving your financial life is debt reduction. Credit card offers are so appealing these days: low introductory rates, reward points, high limits. Many consumers rely on them to get through hard times and are left with large amounts of debt and high interest rates. Here are a few strategies to help you begin the process of reducing debt.