April 16, 2018 Joseph Hernandez

Although a lot of the world has gone very digital, there are still quite a few reasons that you may have at-home printing costs. Whether you’re printing off invitations to a party, paperwork to fill out, or just something to hang on your wall, many people find that they have at least some of their budget going to printing done in their home. And while printing has become much more cost efficient than it was in the past, you may still feel like you’re spending more than you’d like in this area. So to help you trim the fat here,…

April 12, 2018 Joseph Hernandez

A high credit score is hard to come by especially when you have had bad credit for the most of your life. A good credit score increases the chances of qualifying for loans. But, here is the best part – a good credit score gives you access to low-interest loans which is something you don’t get access to with bad credit. Without having to fill a CRA payroll remittance form and by adding about 100 points to your credit score, you will be on your way to an affordable home and a cheaper car loan. So, how can you improve…

April 11, 2018 Joseph Hernandez

For most people, they move through a certain type of progression when it comes to their finances. First, they strive to do their best to get a handle on their spending and debt. Once that’s been accomplished, it’s now time to save and plan for the future. However, planning for the future is often where things can get complicated. Because there are so many different ways to save, invest, and plan for a comfortable financial future, it can be hard to know where to start and what path to take. To help make this a little easier, here are three…

March 22, 2018 Joseph Hernandez

Some people may think that credit is something that they’d rather not deal with.  They’ve heard stories about people getting into significant problems as a result of their credit, and so they’d prefer to avoid pursuing credit at all. The problem with this is that no credit is equal to bad credit.  You should make sure that you try to establish credit for yourself in order to be able to create a good credit score.  Establishing a credit score for yourself which is strong benefits you in many ways.  Here are a few reasons why your credit score is important. …

March 5, 2018 Joseph Hernandez

During retirement, on average, men expect to purchase two cars (spending total of £27,106), compared with women whom expect to buy one car (totalling £14,203) to drive throughout their later days. The findings come from True Potential Investor’s retirement quiz responses. You too can complete the quiz, here, to find out how much you’ll need to contribute towards your personal pension pot to cover cars, holidays, groceries and more during retirement days.

February 23, 2018 Joseph Hernandez

Getting yourself from one place to another can be expensive. That’s why if you own a car, you should understand where the money comes from and where the money goes to concerning the car itself and all of the associated costs. For example, you should be aware of the difference between new and used cars. You should know when it is financially feasible to call a car accident attorney. You should make sure that you understand how car insurance costs over time can affect your budget. And at the very least, you should have a tangential awareness of fuel costs…

February 22, 2018 Joseph Hernandez

Hiring freelance workers is a great way for small businesses to leverage the expertise of a large pool of people. You can’t afford to keep a full-time writer, web developer, and graphic designer on staff, but you can enjoy the skilled services of these professionals just the same when you hire independent contractors who work on a freelance basis. Handling payments can be a tricky business in the freelance world. Use these tips to make sure you’re managing your freelancers properly. Compare Several Quotes Image via Flickr by cybrgrl Take the time to compare quotes from more than one freelance…

February 17, 2018 Joseph Hernandez

Whether you want it to be or not, chances are fairly likely that the cost of your cell phone and your cell service is one of your big-budget items. So, if you’re trying to trim the fat around your budgeting, make sure that you start with your cell phone and cell phone related expenditures. A few of the wise decisions that you can make would be to buy a refurbished phone, always look carefully at your cell phone contracts, buy family plans when possible, and switch providers if it makes sense. Following those general pieces of advice can significantly reduce…

February 11, 2018 Joseph Hernandez

Of all the ways to save money, one of the most interesting is to emulate professionals. In other words, when you find people that are the best at what they do in any industry, they’re going to have ways to be the most efficient at their jobs. And that efficiency will directly translate into cost savings. That’s where you have to pick up your cues. A few ways that you can find these emulation situations would be to look at display homes, watch cooking shows, see how fashion designers dress when they are in the world at large, and watch…

January 30, 2018 Joseph Hernandez

Wisdom doesn’t come easy to some people, especially concerning the use of money. That’s why whenever possible, research the ins and outs of the financial world. And specifically, you need to know how loans and interest rates work. You need to know how home loans are set up. You need to know the benefits and detriments of college loans. It is particularly important that you understand how credit card interest rates work. And, perhaps for some more specialized knowledge later in life, it’s not a bad idea to understand how stock markets work with the movement of finances as well….