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Exposing 7 Popular Money Myths

Myths about money are common. Just because you’ve heard a saying or two through the years doesn’t make it true. Take advice from financial experts and learn the facts rather than accepting these common money myths: Myth #1: All Debt Is Bad Carrying a huge balance on a credit card or taking out a high-interest loan to pay off other debt is not good financial management, but certain debts can help you move ahead and achieve your personal financial goals. Funding an investment – in your home or in your education – can be financially beneficial in the long run.…

Simple Tips to Avoid Credit Card Debt

With credit card offers making up a huge chunk of junk mail, it’s all too easy to say yes to yet another deal that may trigger a downward cycle of debt. It’s a fact – the best way to secure your financial future is to avoid credit card debt. Used properly, credit cards offer many advantages including convenience, a record of your purchases, protection against fraud, building a positive credit history, and perks including free travel, discounted merchandise and more.   Used to excess, a credit card is nothing more than a high interest loan rather than a substitute for cash.…

6 Holiday Tips to Improve Your Finances in 2018

If holiday shopping and social obligations have you seeing nothing but dollar signs, you can easily turn worried about your shrinking bank account and growing credit card debt into positive steps for the coming year. Take a little time now – in this busy month of December – to make small changes that will put you in better financial shape for 2018. Here are six tips to help you get started: Look Back At Your Spending If you mostly use credit and debit cards to cover your costs, it’s easy to look back through your statements for 2017 to figure…

5 Ways to Stick to a Budget

It’s hard to argue with the importance of budgeting your expenses – after all, keeping a budget is right up there with having an income when it comes to being financially solvent. While breaking your expenses down by the week, month or year requires discipline and planning, committing to your budget is where the real work comes in. Worried you can’t hack it? Here are five ways to stick to a budget, no matter how strict it may be. Beware of Plastic Fewer people carry cash anymore, but beware of plastic – credit cards have a reputation for blowing budgets.…

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