Monday, April 16th, 2012 at 10:04 pm ?
Don?t take out huge amounts on student loan debt without being in a position to repay it. If you are planning on sending your child to a private school, strongly consider other options that make financial sense.
If you don?t feel comfortable selling, don?t do it. When earning some income on a stock, sit on it for a bit. You can look at your stocks that are not doing so good, and figure out if you wish to move those around.
Anyone finding that they often have single dollar bills in their pockets can use those bills in an interesting way that might be a great help to their finances. Use the dollar to by a lottery ticket, and there is always the chance for winning!
Think about what your feelings are towards money. If you would like to better your own personal financial situation, you will only be able to do so once you understand the money decisions you?ve made so far. Take some time to create a list on what you think of money and material objects so that you can figure out where you beliefs stemmed from. This will help you move on from the past and start your future with positive feelings.
Revisit your insurance coverage. You might realize you are overpaying for insurance. There could be better choices out there and you could be paying for things you do not need to be insured for. Cut out the extras and use the money for other things.
Buy the store?s generic brand instead of opting to purchase the well-known name brand. Much of the national brand?s costs goes to funding the advertisement for their products. Make sure you choose the least expensive options instead. Often, the generic brand will seem incredibly similar to other products.
Pick your cuts wisely. Do you want to save as much as 100 dollars every month? You may have trouble with this, but it can save you money to make coffee at home instead of getting it to go somewhere else. It can add up to over five dollars a day buying fancy coffee. You can bring your coffee from home and save a lot of money. Pour it into a portable cup and take it to work!
Don?t accept new debt and keep paying down your current debt. It can be quite easy once you get into the right habits. It is important to not take on any extra debt while paying off your debt. Being consistent can help you become debt-free and give you more freedom with your personal finances.
You should give careful thought to exactly when you want to send your income tax return to the IRS. If you anticipate a refund and want your money from a refund faster, you need to file your taxes as early as possible. However, you should wait until April to file if you plan on owing taxes.
Now that you have a good idea about how to take care of your finances, you should start to feel a bit better about the future. It?s all up to you, your behavior from this point forward determines whether your financial future is bright or dark.
This article posted by Tom Morgan
Tagged with: debt ? finances ? financial ? money
Filed under: Finance Tips
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