Developing a
Financial Strategy - The thought of developing and adhering to a
personal financial strategy can be overwhelming. Learn how to create the
segments of a total financial approach that can lead to your future
financial security.
Developing and Using a
Wise Borrowing Strategy -The sensible use of credit is part of a
total financial strategy. Using credit can provide benefits, but also can
have drawbacks. A few guidelines can help you feel comfortable with your
credit use.
Planning For Your
Financial Life Stages - You financial goals and situation change
over time. So should your financial strategies. Learn some of the ways to
make sure your strategies match your life stage.
Preparing for Major Financial
Events - Every individual encounters or anticipates major
financial events and milestones. Some preparation for these events can reduce
the associated anxiety and make decision making easier.
Reducing Your Debt
Burdens - Taking control of your borrowing can help relieve
financial anxiety. Learn some ways to pay down, consolidate and control your
debt.
Review Your Credit
Report - A solid credit history can make borrowing easier and
cheaper. Learn where to get a copy of your credit report.
ATM Security and You -
Automatic Teller Machines have become integral for many individuals. Learn a
few tips to use them wisely and carefully.
Choosing the Right Accounts for
Your Cash - Too often the convenience of a checking account causes
individuals to earn less than they should on their cash balances. A little
time spent looking at the alternatives can make your money work harder for
you.
Building a Ladder of Savings
Certificates - Choosing the length of savings certificates is
important. Longer maturities usually provide higher rates, but with less
liquidity. Building a "ladder" of maturities can result in higher
rates without the loss of the liquidity you want.
Direct Deposit of Payroll and
Government Checks - Learn why having your checks sent directly
into your account is a smart and safe thing to do.
Evaluating Credit
Cards - If you are like many, your mailbox is often filled with
credit card offers from dozens of issuers. Choosing the right card should be
based on your needs, how you use your card, rates, fees and the company
issuing the card.
Guidelines for First Time
Credit Card Users - Getting a first credit card can be
intimidating and tempting. This article reviews some of the decisions credit
card users should make and offers some guidelines for the prudent use of this
financial convenience.
Don't Let Anyone Steal
Your Credit Identity - When someone uses your credit identity
the costs and aggravation can add up. Learn some tips to keep your credit
identity secure.
Preparing a Personal Balance
Sheet - Monitoring your financial progress should be part of
your financial management. This worksheet helps you break your assets into
categories so you monitor your asset allocation too.
Monitoring Your Monthly
Spending - Household budgets can be a chore to create and
follow. Here is a worksheet to make the process easier.
Ten Reasons to
Consider Online Banking - The Internet continues to change the
way we live. Online banking provides many cost and time saving opportunities.
Check them out.
Building a Savings
Cushion - Saving money for unexpected expenses is never easy.
Here are five ideas that can help make saving easier.
Tips for Organizing Important
Papers - Knowing how long and where to keep tax records and
other important papers can help individuals better manage their finances.
