When people decide that they need to eat healthier or lose weight, they know that they have to change their behavior. That’s easier said than done for most, which is why diet prgrams are so popular because they provide a system for automatically controlling portions and nutrition. More importantly, they provide an easy way to establish weekly goals, track activities and keep s
If given the choice, most people would choose financial freedom over financial servitude. Who doesn’t want to be financially independent where their money is working for them as opposed to them working for money? The problem for many is that kind of choice is an abstract exercise of futility as they struggle to navigate the waters of daily living paycheck-to-paycheck or in a c
Maintaining a monthly budget isn't as simple as it may seem for the average family. Day to day expenses, bills, a mortgage payment, insurances, education costs, and saving for retirement can make or break a budget. So in these times, it’s important to take some relatively easy steps to stretch your budget.
It's that time of year again. The holidays are nearly in full gear; the preparations are underway with candles lit, lights strung, and carols sung when the financial stress begins to peek behind the corners of brown paper packages tied up with string. Everything’s shiny and cozy, yet you can’t extinguish that tiny feeling that you may go way over budget thi
The one aspect of personal finance that most Americans share in common is debt accumulation. Between mortgage costs, education expenses, auto loans, and credit card debt, being debt free is quite a financial feat for the average household. In times where the average household credit card debt exceeds $12,000, controlling debt becomes a truly subjective issue.
With credit card interest rates ranging between 11 to 22%, it’s no wonder people are looking for alternative ways to handle and pay off their credit card debt. With the convenience of having a consolidated monthly payment for all of your debt, a personal loan may offer a lower interest rate than your 'best' credit card.