When you get used to a certain lifestyle it can be difficult to change those habits, even if you must. If you lost your job you may need to find ways to spend differently and find ways to make more money creatively. If you’ve found yourself in debt you need to learn how to spend less money and how to fix the bad credit that debt has given you.
How much of your lifestyle is dictated by how much money you have? That’s right, a huge percentage of it! So it only makes sense that if your goal is to balance your lifestyle out, then you’re going to have to go after your personal finances first.
If you have poor credit, which is characterized as anything below 700, you’ll have a difficult time financially. Not only will it be hard to get a loan, but you’ll also likely spend more on things like rent and insurance premiums and rent.
Lots of people end up feeling like they’re stuck in financial ruts. It happens. We work hard to get to a certain place on the financial bracket, and then it feels like it might be impossible to get past that. When that situation hits, it’s time to try making some extra income without actually working more. This is when you have to be smart and creative with your time and energy! Continue reading “5 Ways To Look For Extra Income Without Increasing Your Workload”
For many people, bad credit started following them around before they even really knew what credit was. Because credit card companies tend to prey off of young buyers at first, without knowing the ins and outs of debt, you can end up in a black financial hole before you even turn 20, and it can stick with you for a long time depending on your eventual income level. Continue reading “4 Situations Where Bad Credit Makes You Work Harder”
In this modern age, the cell phone has almost become like a third limb. People have their hands, feet, and their phones seemed to be just as attached somehow. It can become more than just a habit to constantly look at your phone. It can become a full-fledged addiction. Continue reading “4 Ways To Cut Back On Your Cell Phone Addiction”
Everyone has to go shopping at some time in their life. There’s just no way around it. You need food, you need clothing, and there are many other things people need to buy in order to survive. Even if you make your own clothes, you still have to buy the material! Continue reading “Finding Better Value In Your Shopping Habits”
Everybody needs to buy shoes, especially when you live in a society where it is commonplace to cover your feet. Since you need shoes, it makes sense that you would want to save as much money as possible when acquiring some, especially when shoes aren’t made to last forever. Continue reading “A Few Ways To Save Money Shoe Shopping”
2016 has only just begun and you’ve probably made some resolutions in order to start your year off on the right foot. For some, this might include cutting back on the amount of sugar eaten, for others it might include going to the gym at least 3 times a week. Continue reading “Ways to Get the Most Bang for Your Buck in 2016”
When you file for bankruptcy, the goal is to eliminate excessive debt entirely or to agree to debt repayment with the assistance of the court. However, there are certain debts that cannot be eliminated, such as child support and payment to injured parties in a lawsuit, and debtors may also experience other financial repercussions from this process. But can those repercussions extend beyond the life of the bankrupt individual? How should bankruptcy be accounted for in your will?