You may not know, but it's not goods and services that are traded in this marketplace, its predominately securities.
I was a "couponer" long before couponing became "popular." While I don't endorse "extreme couponing," aggressive couponing tactics, or clearing the shelves at your local grocery store, I have saved a significant sum of money using coupons to buy the foods and supplies we eat and enjoy.
Here are my favorite tips for new couponers:
What would happen if half of millennial consumers ditched conventional financial service providers for Google or Apple?
When I counsel couples about financial responsibility, I find that many have made some of the same rash decisions, which has often led them down the path of financial hardship. So here’s the hard question for all of us in love: How do you say ‘no’ to that special someone when their request will certainly cause financial harm to one, and possibly both people?
Although there is no doubt that having a college degree makes a significant difference in the quality of life of young adults, making smart decisions before and during college can be the difference between financial success and lasting struggles with debt.
The tens of thousands of dollars in student loan debt that many borrowers owe can take years, or even decades, to pay off – and that’s if you earn enough money to make the payments. No wonder many graduates feel overwhelmed, or even hopeless.
Finding a way to get on top of your student loan debt is crucial. Ignore it and your balances will just continue to grow. You may even find yourself dodging debt collectors.
Don’t box yourself in by only learning the skills that are specific to your profession. The more skills you have, the more value you can bring to any situation.
Here are 7 key skills that you need to learn, regardless of your path in life:
When I teach classes on budgeting and credit, many people do not have a strong plan in place to build a budget or to build their credit.
One of the best and easiest ways to stay out of debt and reach your financial goals is to use debit and credit cards for different purchases. One of my basic rules of personal finance is to use debit cards for small, everyday purchases and use credit cards for larger amounts (such as hotels and airline tickets).
Spending creep is a phenomenon that occurs when we increase our spending (consciously or subconsciously) as our perceived wealth grows. With every subsequent pay raise and/or run in the stock market, I’ve noticed spending creep settling into my budget.
Where I would once call my bank to challenge a $10 fee, I now let little things slide. If I buy something that I found cheaper elsewhere, I don’t bother to return it for the difference. I notice myself paying for meals and drinks out with friends. I buy more luxury goods (...
I have two recommended approaches to paying off your debts. One approach is more analytical and the other behavioral. The first will lead with your mind, and the second will lead with your heart. In either case, stamina and determination will be required to reach financial freedom.