February 17, 2011
Make Money
Tips
Quite often I hear from people who feel trapped in a job and need to figure out a way to make extra money. They hear about how I’ve paid off a lot of debt in a short period of time and they wonder if my income has changed significantly. My answer is, yes, I have used a few unexpected windfalls from different sources AND made extra money to get those debts paid off. Making extra money is the key, especially when paired with lifestyle changes that result in frugal living.
One lifestyle change is to make extra money.
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January 22, 2011
Tips
Tips
Depending on where you live in the country, this winter could be a rough one – especially if you heat your house with oil, which estimates say will cost you twice what it did last year. Ouch. So while it is still nice outside and before the first winter storm strikes, here are ten things you should do around your house to keep those heating bills down this winter.
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January 9, 2011
Saving
Finance,Tips
Do I have anywhere to go for quick cash? You may keep less cash on hand for emergencies if you have other investments you can easily turn into cash. However, if all your money is in the stock market and your car breaks down, what will you do? If the timing is bad, you may have to sell your stocks for less than you paid. Or, you may have to borrow money to pay the bill, plus interest
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Every year it’s the same old story. You start with the best of intentions but somehow never manage to fulfill your New Year’s Resolutions. Perhaps you don’t even know how to get started. When it comes to getting your financial house in order, it’s even more important that you start now, so that you can meet specific deadlines that occur throughout the year. Follow this handy action plan in order to set New Year’s Financial Resolutions you can actually keep.
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A TFSA is a savings plan that helps Canadians save more. It’s not just for people with a lot of money. Even if you save only a little each year, you may want to park some of your money in a TFSA. Why?
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A credit score is a really important indicator on how likely you will be to default on a credit card or a loan. Your credit score is determined by a number of different factors, including your payment history, the amounts of money that you owe, the length of credit history, new credit, and what types of credit you are using. Do you pay your bills on time? Do you have any recent late payments? How many times have you been late? Are your cards maxed out, or have you accrued a large amount of debt? How long have you been making use of credit, and have you managed to establish a good credit history? Are you opening new accounts and borrowing more money? How many times have you recently asked for money? These are the concepts that alter whether or not you will be considered worthy of credit or borrowing.
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A credit score is a really important indicator on how likely you will be to default on a credit card or a loan. Your credit score is determined by a number of different factors, including your payment history, the amounts of money that you owe, the length of credit history, new credit, and what types of credit you are using. Do you pay your bills on time? Do you have any recent late payments? How many times have you been late? Are your cards maxed out, or have you accrued a large amount of debt? How long have you been making use of credit, and have you managed to establish a good credit history? Are you opening new accounts and borrowing more money? How many times have you recently asked for money? These are the concepts that alter whether or not you will be considered worthy of credit or borrowing.
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Easy Energy-Saving Habits (Free!). Don’t forget the basics. This simple stuff will save energy — and money — right now.
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December 31, 2010
Tips
Finance,Tips
The key to managing your credit is control – control of how much you spend on credit, how quickly you pay it back and the types of items you purchase. Credit is not a financial cure-all. Used the right way, however, it can help you build a powerful credit rating and afford certain purchases.
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December 29, 2010
Tips
Finance,Tips
“College students are inundated with advertising messages,” according to a press release from the Federal Trade Commission. “Marketers target students with high pressure — and sometimes unscrupulous — pitches.”
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