D' Finance Bench

The Right Place To Sit At For Financial Advises

Cut Back on Spending

At first it may seem difficult to limit spending and stick to a budget, however there are a few practical changes that you can make everyday that will cut your spending more than you expect. Continue reading

September 25, 2012 Posted by | Budgeting | , , , , , , | 7 Comments

Saving Money and Your Bills: Tips on How to be Money Wise

I used to love going to the supermarket. But nowadays, I make my trips short and sweet. I have a list and stick to it. My trips to the supermarket made me realize that it’s getting harder and harder to stretch that dollar. With all those bills that you have to pay in a month, you really can’t do anything about it but to save.

I read once that it’s not how much you earn that ensures a comfortable and happy future; but it’s how much you save and keep saved that matters. That is why it is really important to save money especially when it comes to your monthly bills. Some people do not just realize it but saving on their monthly bills can provide the best money-saving opportunity for them.

Here’s how: Continue reading

September 23, 2012 Posted by | Budgeting, Money Management, Purchases | , , , , , , , , , , , | 6 Comments

Starting Young: Teaching Teens to Save Money

In the past few years, teenagers have earned billions of dollars with part-time and summer jobs.

Some have spent most of what they earned, while others saved most or even all of it for a big purchase, or for their college education.

Kids these days are becoming more and more aware of their family’s source of income and financial status. They apply these money-spending principles when they venture out on their own.

Thus, it becomes more of a parent’s responsibility to start “training” their teenage kids to use their money wisely.

Here are some ways on how you, as a parent, can teach your teens to save those hard-earned bucks: Continue reading

September 23, 2012 Posted by | Budgeting, Savings | , , , , , , , , , | 8 Comments

Create and Maintain a Budget

Dollar BillThe first step to avoiding the troubles of financial debt is to create and maintain a budget. It’s not as intimidating as it sounds, don’t worry.

First off, create a list of all your monthly income and also a list of your monthly expenses. When determining income, list all sources including alimony, child support, side jobs, etc. In calculating expenses, be sure to include housing, food, transportation, utilities, entertainment, etc. To gain an accurate reflection of actual expenses, sit down each night and write down expenses, just make sure to save receipts. Determine if your income covers all of your expenses. If the answer is no, then some expenses need to be reduced. Continue reading

September 23, 2012 Posted by | Budgeting, Money Management, Savings | , , , , , , , , , , | 8 Comments


Porquet guardiolaSaving is your best defense against bankruptcy. It insulates you from possible financial loss and gives you the ability to expand your finances and create a money-generating business machine that will help you earn extra.  Your potential to flexing your base income is augmented in ways that is not confined within the walls of basic employment. You can start up your own business, use it for loan purposes and earn interest on them while being used, among others. But the basics of it all lies in saving – spending less than what you earn and keep something enough for future use and for unforeseen circumstances. This article provides you with ways on how you can effectively maximize your financial resources and helps you manage your money by developing correct habits and outlook suitable for your goal.  Continue reading

September 23, 2012 Posted by | Budgeting, Money Management, Savings | , , , , , , | 3 Comments


With prices of commodities increasing day by day it is proper to make your very own strategic plan on maximizing your financial resources and making sure that every penny earned is well spent.

Make your move on coordinating your finances and list of expenditures that may affect the way you use your income and empower you on your economic stability as a working individual.

Your source of income, lifestyle, spending habits, current job and house location, cost of living, payables and loans determines your level of budgeting needs. Starting to take charge of your finances is one sure way of becoming successful in a field of self-fulfillment and success.

The following tips and recommendations will provide you details on how you can help yourself manage your finances and assume a new outlook to become responsible in your spending. Continue reading

September 23, 2012 Posted by | Budgeting | , , , , , , , , | 2 Comments

A Frugal Lifestyle

The word “frugality” has left a more negative connotation for most people than simply being a saver, a cheapskate or tightwad. There is a thin line difference to saving and too much frugality to the point of being awkward and ridiculous. This is where the negative connotation comes from.

But if you are guided with the right principles and reasons in deciding to live a frugal life, you would never go wrong.

If you have decided to live frugally, no need to be worried of insults. Keep your head up high. And keep your focus through these tips. Continue reading

September 23, 2012 Posted by | Money Management | , , , , , , , , | Leave a comment

Why Banking Works

When it comes to financial management, even business professionals reach a consensus as to what is the most effective, reliable, and secure means to manage your money, and that is through the bank. Your bank is an effective means to manage your bills payments, keep track of your transactions, receive your income and whatever extraneous cash inflow, and help you save effectively.

The last one is perhaps the most obvious feature of the bank that people do not take advantage of. A bank, being a financial intermediary, can actually help you save money efficiently.

Here’s how. Continue reading

September 23, 2012 Posted by | Money Management | , , , , , , | 6 Comments

How To Modify The Terms On My Loan?

Today, consumers are now allowed to modify the terms of their loans if they are incapable of paying the premium as stated on their original contract. Note that you cannot just modify your loan simply by declaring to the lender that will not be able to pay because you are broke. You must show proofs (legal papers, e.g bankruptcy declaration) that you are incapable of re-paying your financial obligation.

Here are the common methods used by majority of consumers to lower their loan terms. You may ask a professional financial adviser of how these things run and the complete set of documentation required for your case. Continue reading

September 21, 2012 Posted by | Loans, Mortgage | , , , , , , , , | 1 Comment

Explain To Me What Mortgage Loan Modification Is

What exactly is “mortgage loan modification”?

It seemed like almost everyone knows the benefits of this. Are you aware how mortgage loan modification can help you avoid foreclosure? Continue reading

September 21, 2012 Posted by | Loans, Mortgage | , , , , , , , | 4 Comments

Purchasing A TV Riser

TV riser, also known as cabinet stand (sometimes addressed as tv stand) is a furniture where you can place your tv set. It can give your television set a new dimension of appearance making your home look more sophisticated and well-organized. You can place other accessories of your tv on your cabinet stand allowing every component of your television accessible for you. Continue reading

September 3, 2012 Posted by | Purchases | , , , , , , , | Leave a comment

Retirement Get-Away Plan

Your retirement years should be something enjoyable. A life without financial hassle. This is the stage where you got to enjoy the rest of your life with whatever you want. You can live your life without thinking that there’s a job that you HAVE to do and monies to make for your bills. Continue reading

September 3, 2012 Posted by | Retirement | , , , , , , , , , | Leave a comment

How To Spend Money Rightly

Money takes time to earn, yet it only takes a few seconds to spend it. Sometimes, we tend to spend for unnecessary things which will actually lead us to a bad financial cycle. Continue reading

August 30, 2012 Posted by | Money Management | , , , , , , , | 1 Comment

How To Effectively Manage Your Money

Money problems? You are not alone. Almost all of us have that one TYPICAL problem. It is a frustrating thing that we need to deal with. But don’t you get sick of having the same problem over and over again?

The right money management strategies can surely help you get away from that problem. It will take little sacrifices though, but things will run smoothly as time goes by if you will apply these methods. Continue reading

August 30, 2012 Posted by | Money Management | , , , , , , , , | 1 Comment

Rookies Bulls-eye Shooting For Profit

What Is Profit

Profit. It’s picturable that this word simply means growth of money from something that you invested. The sound of this word may be too enticing and simple, but the ladder to successfully generate a good amount of profit is a long walk. You have to take care of your business like a small baby that needs to be tenderly managed. For starters, here are the things that you should know about aiming for great profits.

Continue reading

August 29, 2012 Posted by | Profit | , , , , , , , , , , | Leave a comment

Gasping For The Debt Free Life

debt reductionA debt is basically the quantity of money that one owed to a financial institution (e.g bank or credit company).  This is presented in form of different repayment terms like bond, loan or mortgages. Most of the time, you will be required to pay a certain interest rate based on the amount that you owed. The whole amount must be paid according to the term that both the debtor and lender agreed. There would be a required penalty if you can not re-pay your debt on the set time.

One particular cause why people tend to dive into debt pit is due to income reduction. The prices of the things needed for our daily lives increase, yet, it is comically sarcastic how wages would usually go down due to some economy crap. That is an unfair fact, but what can we do? That’s why people would rather be rescued by loaning money. The way you managed your financial matters also has a huge impact on your debt issues. If you happened to have unorganized way of managing your money, you would likely end up in cycle of endless debt. There is gambling too, a moronic way of obtaining money. or it would be the other way around where you’ll become instantly “a thousand dollar richer”.  Some of us would rather take the short cut of “freeing” theirselves from money issues by means of spending money for the “chance” of doubling it, that is, if they are lucky.  During medical emergency times in the family, and the affected happened to have no medical insurance or money at all, then the only option is by borrowing money. This is when debt starts to arise. The patient can’t work and he has debt from his hospitalization expenses, you can figure out the rest of the scenario. Continue reading

August 28, 2012 Posted by | Debt | , , , , , , , , , , | 4 Comments

Easy Money-Saving Changes

One of the most obvious and easy ways to save some extra cash is to change some of the way you use products and items in your everyday life. The key is to make minor changes. Continue reading

September 25, 2012 Posted by | Budgeting | , , , , , , , | 2 Comments

Avoid Spending Pitfalls

With all the advantages that are evident from personal budgeting, it is no wonder that more and more people are relying on them to reduce debts and increase their savings. However, all ‘budgeters’ need to be careful to avoid some common pitfalls that appear often. 
Credit cards may seem like small pieces of plastic, however they can cause a great deal of trouble for the owners. It is common for people to make unwise purchases, which they would have avoided otherwise, because they had the credit card in their wallet. The best solution for many people is simply to get rid of credit cards and begin paying only by cash, check, or debit cards. You may want to keep one card handy for emergencies, but it is probably best to keep it out of reach, and far away from your wallet. Continue reading

September 25, 2012 Posted by | Budgeting, Money Management | , , , , , , , , | 4 Comments

How to Save Money and Avoid Temptations

Saving money and financial management is very crucial in one’s life. Money is very important in order to survive in this world but only a few people know how to manage their household budget properly. Many people have a hard time saving money even if it is for their own good.

Most of the time, you may be motivated to save money but there are times when temptations come your way and before you know it, you have already spent the amount that was supposed to be added to your savings account. Here are some helpful tips on how you can avoid temptations and be able to save money: Continue reading

September 23, 2012 Posted by | Budgeting, Money Management, Savings | , , , , , , , , | 5 Comments

Credit Card Company That You Can Trust: Chase

If you are looking for a credit card company to give your business to, but are unsure of which one to choose, then you may want to consider Chase. They are known for being one of the best credit cards around. They make applying for one of their cards very simple and there are no hidden charges.

When you sign up, they will give you all of the information about any charges that they may charge you. They do not have annual fees and offer a 0% interest introductory rate. Also, Chase offers fraud protection, which is a very important thing to have these days. Continue reading

September 23, 2012 Posted by | Credit Card | , , , , , , , , | 2 Comments

Getting Out and Staying Out of Credit Card Debt

Credit card debt is a major cause of over one million bankruptcies each year. The reason is that many people get a credit card without researching and reading the fine print. By the time annual fees are added on, along with spending indiscriminately, payments are missed, which causes their balance to skyrocket.

Although we all like to place the blame on the credit cards and the credit card companies, you need to keep in mind that the real cause of your financial mess is you. Continue reading

September 23, 2012 Posted by | Credit Card | , , , , , , , , | 6 Comments