D' Finance Bench

The Right Place To Sit At For Financial Advises

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

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

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

We are Family: Budget Tips for Today’s Familial Ties

If you are in charge of creating the family budget, chances are, you’ve had the unfortunate experience of having a brilliant budget plan that isn’t executed well. This happens to many families and couples, and with a little attitude tweaking, you can solicit the help of your family in making your budget work.

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

Keep Them Handy: Budgeting Tools that Work

Dollars in the scannerBudgeting your monthly expenses in order to get the greatest return on your income (and perhaps, even put aside some for saving!) doesn’t have to be extremely hard.

Various budgeting programs are available for use. Money management programs provide you with a usual package that allows you to enter your cash inflows and outflows, categorizes your expenditures, and at times, presents to you analysis of your spending behavior. Through these programs you can also input the various payments you have to make monthly, and subsequently track if you’ve paid your dues on time. Moreover, some programs also offer you a tax form draft that will help you make sure you’re not missing out on any dues or any deductibles, for that matter. Continue reading

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

How to Find a Real Estate Agent

Finding a good real estate agent is an important part of having a seamless real estate transaction. The problem is finding a good real estate agent. The best agents are not necessarily found in the biggest companies, the best agents do not necessarily make the most money. What you need to find is the best agent for you and for your situation.

Here are five tips to help you find a great real estate agent.

 

 

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September 23, 2012 Posted by | Real Estate | , , , , , , , , | Leave a comment

Fun and Frugal Family Outings

 The time we spend with our families is priceless. But most popular family activities are quite expensive. Even a simple night at the movies can put a serious dent in the budget by the time you buy tickets, popcorn and drinks for everyone.

Fortunately, there are cheaper alternatives to expensive family outings. They provide the opportunity to have just as much fun at a fraction of the cost. Some are even free.

 

 

 

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September 23, 2012 Posted by | Spending | , , , , , , | Leave a comment