On my last blog post I talked about Personal Finances and how if they aren't right they can hurt your recruiting. Today, I want to share with you some actual personal finance strategies that you can use to help you be a better manager of your money. You don't have to be rich to be a good recruiter. However, I do believe you need to at least be starting to make the right decisions with your mone
Check out the 180th Carnival of Personal Finance which is hosted by Living Almost Large. My article Saving energy from your Christmas lights display is featured in the carnival.
I am currently away on vacation and David @ MoneyNing.com volunteered to write a guest article for me. David writes about personal finance topics that concentrate on “personal” just as much as “finance”. For more articles that help you live healthy financially and mentally, visit his blog or subscribe to his RSS feed.
I just came [...]
Do you ever wonder where your money goes every month? Does it sometimes seem as though you cannot afford to do things because your financial obligations are holding you back? If you find that you are asking yourself these sorts of questions, perhaps you should take a look at your financial situation and assess whether you are practicing good personal finance management or not. Good personal financ
And God is able to make all grace abound to you, so that always having all sufficiency in everything; you may have an abundance for every good deed; 2 Corinthians 9:8
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Everyone has fixed expenses which are the basic of needs for our daily living. There is no way to eliminate the fixed expenses but with some innovative budgeting, you could save some good money from this practice. If you have debt problem, a good practice in expense control and budgeting can help you to free up enough money to pay down your debt and may prevent you from bankruptcy. Of course, to a
Today is my last day grinding the 9-5! This means that starting next month, posts will be written on a full time basis. It’s a strange feeling to transition away from something that’s occupied so much of my time since I got out of school but I’m excited to step into the full time blogging [...]
Hello my frugal little friends, and welcome to the 175th Carnival of Personal Finance - "Jokey McJokester" edition! As many of you know, i'm a huge fan of mixing entertainment with financial learning, so get ready for some fun up in here :)I know some of you are pretty groggy/hungover/un-excited for the "real world" today, so i'm hoping some of these jokes wake you up a bit. And just in case, i th
I reported that the Quicken Online now goes free for everyone. Actually, there are many free online personal financial tools. Those finance tools are thought to be very useful for customers to check their daily spending, pay bills, and set budget. The difficult part is finding the right tool to fit your needs. Hereby I introduce 6 popular web based personal finance tools that might be of help to y
For new readers of my personal finance blog, this is my first inaugural financial status and net worth update. I hope to make this is a monthly tradition to better help me track the condition of my financial health. At the same time, I am keenly aware of the potential awkwardness that comes with financial [...]
For I have learned to be content, whatever the circumstances may be. I know now how to live when things are difficult and I know how to live when things are prosperous. In general and in particular I have learned the secret of eating well or going hungry of facing either plenty of poverty. I [...]
To commemorate Columbus Day, this week’s theme is Christopher Columbus - And Other Great Risk Takers That Have Changed History.
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With over 70 entries already, tomorrow's Carnival of Personal Finance looks to be a good one! To commemorate Columbus Day, this week's theme is Christopher Columbus, and Other Great Risk Takers That...
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Although still not a mainstream phenomenon, Personal Finance Blogs are an increasingly popular additional source of investing and financial planning information. Many people peek in sporadically to see what's generating buzz this week. As the arena gets more and more crowded, it begs the question: "What do the bloggers think of each other?" Some like the variety. "It's the wide ra
Personal finance tips! Everyone wants to know how to hold onto their money. Unfortunately, Americans aren’t very good at it. These 10 rules of personal finance could help.Everyone wants to know how to hold onto their hard-earned dollars. Unfortunately, most Americans aren’t very good at it. The United States has one of the lowest savings rates in the world. Meanwhile, American households carry
Forget those ledgers and account books, in the era of web 2.0 everything can be done online and 10x better. The following is a list of social sites that will allow you to manage your personal finance as well as learn and share with others.
It’s one of those “deep-thought” days when I switch myself into a philosophical mode. Sometimes, this results in some extreme contemplation about the things I have been generally doing in my life. This time it was all about financial contemplation. The choice of the title is obviously inspired by the book “Zen and The Art [...]
September was another amazing month for MoneyNing as we are well past the 1,700 subscribers mark! A huge thank you because with your continued support, we are definitely on track to break the 2,000 subscriber mark by year end!
For those that still haven’t joined, you still have time to join the Starbucks gift card giveaway [...]
Command those who are rich in this present world not to be arrogant nor to put their hope in wealth, which is so uncertain, but to put their hope in God, who richly provides us with everything for our enjoyment. 1 Timothy 6:17
During these uncertain times that we’re facing with our economy, it’s important [...]
What do you think of when you hear the word 'ISA'? While most would know immediately that it's a tax-free savings account, an astonishing 15% of 18-to-24-year-olds think it's an iPod accessory, while 10% believe it's an energy drink, according to a recent survey byScottish Widows.Given this lack of financial awareness, it's not surprising that many young people find it hard to make the right
I thought quite hard about what could serve as a good theme for this edition of The Carnival of Personal Finance hosted here at The Personal Financier. I hope you’ll enjoy the theme I chose at the end.With over (what seemed to be) one million submissions I can proudly say I enjoyed hosting the Carnival of Personal Finance which I’ve looked up to ever since I’ve started blogging. Have a great
Today is supposed to be the day that the government and other firms figure out how to save Lehman Brothers from a total collapse. What’s different this time around is that according to this article over at Yahoo Finance, the fed is unwilling to use the taxpayer’s money in a bailout like in Bear Stern’s [...]
A lot of people lose a lot of money by repeating a few basic mistakes. We’ve tried to identify the main culprits here. By recognizing those you make, you can begin to avoid them.
1 Financial Ignorance
It seems almost fashionable for some to plead ignorance over finances with the result that we either make the wrong [...]
It is easier for a camel to go through the eye of a needle than for a rich man to enter the kingdom of God. Mark 10:25
This verse talks about priorities, and loyalties. Where do your loyalties lie - with money or with God? Too often when you put all your focus [...]
Personal Finance is an umbrella term that covers all the varied financial aspects of your life. It implies not only the various channels through which you acquire funds for your personal use like loans and credit cards; it also includes the process of budgeting, saving and expenditure.Let us discuss the avenues through which you borrow money. Credit cards make it possible for you to borrow cash in
Among the chaotic people personal finance keeps an important figure. It is the need to meet ends that leads you to loan provisioning. An entity whose income is less than its expenditure raises capital by borrowing or financing. If you are such a potential borrower, a financial intermediary such as traditional bank, credit union, building society, and even high street lenders can work for you.You a
Are life insurance benefits subject to income tax? In trying to determine how much to carry, do I need to "build in" the tax consequences?Read More... [Source: Latest Articles - Posted by FreeAutoBlogger]
August marks the month that I decided to turn full time blogging. I’m excited and can’t wait to really spend all my focus and time on my new venture. Here are some highlights of the best articles during the previous month!
401k and Retirement
What to Do With My 401k After I Quit
Where to Roll [...]
I wanted to post about this, instead of it getting lost in the comments. A recent anonymous person commented that they were amazed "individuals such as yourself, with huge redit card bills but without the income to support such spending - and you won't be able to support the spending you've enjoyed in the past until you are debt free - meaning zero balances on redit cards, auto loans, AND student
A recent study determine that one contributing factor in the recent spike in home foreclosures, is that many home buyers didn't comprehend completely the details of their home loan contract. If that sounds surprising to you, have you taken a look at an average credit card contract recently? It seems that anything beyond simple transactions today, require advanced knowledge of the complex language
This is just a friendly reminder to everyone: I’m hosting the Carnival of Personal Finance #168 on Monday, September 1, 2008. I look forward to reading all your submissions!
Make sure you submit your articles for consideration before 6pm EDT so I have a chance to read it and include it in the carnival! [...]
Through wisdom a house is built, and by understanding it is established; and by knowledge the rooms shall be filled with all precious and pleasant riches. Proverbs 24:3-4
If you hope to better your financial situation, it is so important that you educate yourself in ways to improve your position. Whether it is learning about [...]
Foreclosure Self-Defense For Dummies (For Dummies (Business & Personal Finance)) Author: Ralph R. Roberts, Lois Maljak, Paul Doroh Publisher: For Dummies Number Of Pages: 360 Publication Date: 2008-02-11 ISBN-10 / ASIN: 0470251530 ISBN-13 / EAN: 9780470251539 Facing foreclosure? You need to do three things: stop worrying about why this has happened to you; resolve to fight the foreclosure and save
The blessing of the Lord makes one rich, and He adds no sorrow with it. Proverbs 10:22
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Realm of Prosperity was featured in the 166th edition of the Carnival of Personal Finance at Everday Finance.
Here are some other featured articles I enjoyed:
Top 10 Sneaky Credit Card Tricks
Spend less eating healthy food
How To Be An Entrepreneur
If you are new here, please consider subscribing to SingleGuyMoney. One of the most important aspects of personal finance is having and maintaining good credit. Your credit is so important because not only does it affect the rates you pay on home loans and insurance but it also can affect whether you get a job. More and more employers these days are using credit to determine if you get that job yo
In the present world, each and every individual is looking for some external source of finance to cope with the delinquencies of the existing environment. An obvious choice would be seeking refuge in loans for all your requirements. And these days, there is no dearth of the lenders offering cheap personal finance for all your needs. All you need to do is search well. Let us discuss all the relevan
If you are new here, please be sure to subscribe to SingleGuyMoney. In Part 1 of the Back to Basics series, we discussed checking accounts and overdraft protection. Today, we move to Part 2 to discuss savings accounts. According to MSN Money, the personal savings rate has fallen to near zero. The personal savings rate is the lowest it has been since 2001. The United States is currently on track t
In any society, there are people with low income and there are others who earn seven-figure salaries. It is natural for us to assume that those with little income will always be deprived of what they need and that those with large income will always get what they want.In real life, many people with low income are still able to live comfortably. They manage their money properly by spending within t
If you are new here, please take a moment to subscribe to SingleGuyMoney. If you are just starting out in the personal finance game, there are a some important basic concepts you need to know in order to be successful in the money game. Even if you've been in the personal finance game for a while, sticking to these basic financial concepts can help to improve your personal finances. I feel part of
I was reading a post by Lazy Man (and Money) on the game of personal finance. I like the idea of seeing personal finance as a game. At various stages I have had various perspectives on savings and frugality. I have seen it as a way of sticking it to the banks, a way of [...]
The ebb and flow of financial life
I’ve been thinking about my financial life a lot more these past few months, and one thing I’ve been noticing is that there is an ebb and flow when it comes to positive changes, and negative backsliding. Things go in spurts.
For example, I recently read up on saving [...]
You never find your needs fulfilled. You always have some kind of needs that requires back of finance for its completion. Since, your resources too are limited you may have problem finishing all these needs at a time. To finish all these requirements only an external financial help is left as sole way for you. The provision of personal finance in UK is mainly devised to help in such condition that
A sensible man watches for problems ahead and prepares to meet them. The simpleton never looks, and suffers the consequences. Proverbs 27:12
This verse talks about the importance of planning ahead. if you plan ahead you’ll be able to meet the financial challenges that come up in your life, or be able to retire [...]
Availing finance for your needs is not a wrong step to take nowadays. With so many needs arising in the modern world, we also want to live according to the standards of the society. And for that personal finance UK can be availed according to the need of the borrower.Personal finance UK is available to the borrowers for their personal needs that can be basic necessities or luxury needs. These need
The Q1-2008 MQ and Q2-2008 MQ saw some good traffic and excitement and the idea has had a lot of publicity and interest generated with a healthy dose of new entries from folks wanting to get in. I figured out a more in depth way to go about evaluating each blog in the realm [...]
We in the UK seem to be somewhat lacking in personal finance and money saving blogs. I intended to write a post called the top 50 personal finance blogs in the UK, but I couldn’t find 50, in fact I couldn’t even find 25. So please find below a list of the top 19 personal finance [...]
Hello Fellow bloggers and readers, This is my 600th Post on Personal Finance Blog. My Blog is only 9 months old now and is growing speedily to catch up with the John Chows or ProBloggers. I've decided that after every 100 posts I will summarize my blog statistics encompassing my kingdom in blogosphere, so is this post. So far I have 531 feedburner subscribers, and as a token of appreciation, I wil
Last week, Mrs. Micah challenged the personal finance blogosphere to come up with a single step they could (and should) take to improve their personal finance system. As always, I’m late with joining just about every trend, but here’s the single step I need to take:
Ever since the birth of our daughter, my wife and [...]
OK, inspired a bit by the success of Mrs. Micah’s Single Step Personal Finance Challenge, I have one of my own that I’d like to offer out to all readers and bloggers. We’ve all heard of SRI, or “socially responsible investing,” but my guess is that we all have somewhat different ideas about what [...]
Great article in USA Today about Jay Leno. The Tonight Show host is in the midst of a changing of the guard of the Late Night Hosts. Conan is set to replace Jay as early as next Summer as the Host ad Jimmy Fallon, of SNL fame is replacing Conan.The fact the NBC would replace its host, who is still far and away the ratings leader (although I still prefer Letterman - Sorry Jay) shows how scared NBC
Delight yourself in the Lord; And He will give you the desires of your heart. Psalm 37:4
It is so easy for us to forget where our priorities lie in this life. We get tied up in the day to day minutia of our jobs, relationships and personal problems, and we forget to do the [...]
RC from Think Your Way to Wealth, tagged me with the Single Step Personal Finance Challenge” created by Mrs. Micah. The challenge is simple yet powerful - "Find one step you can take to make your financial system better or more organized."My single step personal finance challenge is going to be to open up a Roth IRA account this year. I have been reading about it a lot in a number of blogs and m
The Challenge
Earlier this week Mrs. Micah put a challenge out to all the personal finance bloggers. She called it the “Single Step Personal Finance Challenge”. Basically, the challenge is this:
A journey of a thousand miles begins with a single step… Find one step you can take to make your financial system better or more [...]
Being past the midpoint for this year, it seems to be a good time to take stock and review how I am proceeding against my goals.
Emergency Fund
My emergency fund has been built and is now sitting at a little over $1000. Goal complete.
Credit Card Debt
At first, I did poorly with this goal for the year. [...]
Mrs. Micah started a challenge called the first step challenge. The challenge: Find one step you can take to make your financial system better or more organized. I am a huge fan in the old saying “A journey of a thousand miles begins with a single step.”
There is no big “fix-it” switch
Too often people realize [...]
This week, I participated in many more carnivals than in recent past. The result is that my traffic has increased as my site is seen in many more places! My suggestion to use Google Alert for coupon watching was also picked by Squawkfox as the editor’s choice for the festival of frugality!
On the PFN front, [...]
Like trying to setup a fancy exercise routine before commiting to regular exercise sessions, trying to take on fancy investment ideas before building up solid savings is doomed to failure. Here is how to make it happen now.
You need finances to several types of requirements. If you for your personal use, it is generally known under the name of personal finances. The provisions of these loans you can help to meet the needs of all employees connected with you, that you can not solve all issues through your financial profile restricted.You need no longer walk to personal finance, through a simple online search you will
Keep your finger on the pulse of all the latest personal finance news and views.
Kiplinger’s provides you with the information you need to make smart decisions about your money. Each issue includes reporting on investments, taxes, insurance, paying for college, planning for retirement, home ownership, major purchases such as cars and computers and other personal finance topics.
Now availa
It is well with the man who deals generously and lends, who conducts his affairs with justice. Psalm 112:5
This verse talks about how those who conduct their affairs with integrity and righteousness, things will go well for them. It is important to be generous and just with what God has given us, and [...]
We were listed over at the Carnival of Personal Finance! Take a moment to check it out. There are some great entries over there this week.Unfortunately, my internet is down, and Alison is currently my houseguest, so it does not look like there will be any more posts this week. Next week you can look forward to some great content though!~Katharine
Personal finance advice is so similar, and so often repeated, it's become a cliché:• Live within your means.• Set up an emergency fund with three months of living expenses.• Stay out of debt.• Join your company's 401(k) plan or open an individual retirement account; set aside at least 10 percent of your pre-tax income every year.• Invest in a diversified portfolio of mutual funds to hel
Rogers’ iPhone Rates Contradict Good Personal Finance Etiquette
Rogers just published their much-anticipated new iPhone rates yesterday, and they were a total disappointment for many Canadians who were waiting to jump into the iPhone hype. I was thinking of switching from my Pay As You Go to an iPhone plan; however, I retreated from the [...]
Welcome to this week’s Carnival of Personal Finance. There are 87 great PF submissions this week. Enjoy! If there’s any article you particularly like, let everyone know about it in the...
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There's a bit of freedom knowing no one will probably read this. I have been away for quite a bit. Anyone that read before, thanks for coming back and stumbling across some more ramblings.Have taken the last few weeks to try and really focus on one thing at a time. Now being back to getting all of my finances in order I noticed something odd...During the two months off from the blog I didn't fall
Rogers’ iPhone Rates Contradict Good Personal Finance Etiquette Rogers just published their much-anticipated new iPhone rates yesterday, and they were a total disappointment for many Canadians who were waiting to jump into the iPhone hype. I was thinking of switching from my Pay As You Go to an iPhone plan; however, I retreated from the hype into reality as paying more than double would n
“Personal Finance: The Week in Review” is a weekly series of posts highlighting my favorite personal finance articles from around the blogosphere.
It’s hard to believe that the 4th of July is right around the corner - this year is already half-way over! Wasn’t it New Year’s Eve just a few weeks ago? It is absolutely [...]
There are, as far as I know, two sets of morals which have dominated thought for the past century.
Postmodernistic interpersonal value acceptance. Basically, the widely spread “I’m okay, you’re okay” approach to interpersonal acceptance. Followers believe that it is impossible to establish an optimal best set of ethics. Moral behavior then becomes a question of [...]
“Personal Finance: The Week in Review” is a weekly series of posts highlighting my favorite personal finance articles from around the blogosphere.
Three weeks of personal finance blogging are now in the books and I think it’s safe to say that I’ve found my groove. As I scour dozens of financial websites and listen to a [...]
Instruct those who are rich in this present world not to be conceited or to fix their hope on the uncertainty of riches, but on God, who richly supplies us with all things to enjoy. Instruct them to do good, to be rich in good works, to be generous and ready to share, storing up for themselves the treasure of a good foundation for the future, so that they may take hold of that which is life indee
Whether you’ve got an investment portfolio the size of Texas or you’re just trying to keep a balanced checkbook, nothing’s more useful than a well made personal finance application. The hard part is finding the right tool to fit your needs. On Tuesday we asked you to share your favorite personal finance tools, and today [...]
“Personal Finance: The Week in Review” is a weekly series of posts highlighting my favorite personal finance articles from around the blogosphere.
After two weeks of actively blogging, I can definitely say that it’s no cakewalk, but I am having a great time with it and really enjoy bring you relevant personal finance news and commentary. [...]
In all there were 292 entries from comments, the secret phrase (PF Tipping Point), and articles written about your personal finance tipping point. It was real fun putting this all together and reading all of the comments and articles that were written. It’s so inspirational to hear everyone’s stories. It’s great seeing [...]
On April 30, 2007, I wrote an article on Web 2.0. The web has evolved so much that it is an indispensable part of our life, and we don't use the web the same way it used to be. Professional Internet users, such as bloggers, or any others who depend on the Web for a living, use the Internet differently than average users. I thought it would be helpful for my readers to know how a professional, su
I wrote earlier about the moment/idea that marked that turned around our financial journey. Today, I wanted to talk about the moment when the momentum for positive change became unstoppable.
This is the moment when I felt like our plan finally came together. Where all the hard work finally culminated in an unburdened, energized, free [...]
This post is in response to Free From Broke’s tipping point contest.
For those that don’t know a The Tipping Point is a book and term coined by Malcom Gladwell in 2002. It refers to “the level at which the momentum for change becomes unstoppable.“[1] The term was an attempt to quantify and understand what [...]
These days, medical expenses are a big burden to many family’s budgets. Unfortunately, it isn’t always easy to figure out just how and when you can save money without endangering your health. However, here are some tips that could save you plenty of money on your prescriptions.
Costco, Sam’s Club, and Other Warehouse Clubs
It [...]
And my God will supply all your needs according to His riches in glory in Christ Jesus. Philippians 4:19 Whenever I'm feeling uneasy about having enough money in the budget, or worried about making ends meet when unexpected bills pop up, I just remember that God never gives us more than we can handle, and that he will supply our needs. It's a very freeing feeling to know that you will be cared fo
The plans of the diligent lead to profit as surely as haste leads to poverty. A fortune made by a lying tongue is a fleeting vapor and a deadly snare. Proverbs 21:5-6Another verse today about being diligent and hard working. When you work hard at something, and make plans for the future, it will often lead to prosperity and happiness. Fail to plan, and make hasty decisions and you will end up w
Can’t remember now how I ended up thinking about this, it was in a comment I made on someone’s blog - or it might have been while reading about the audaciously ambitious adventure of Jason Coulls over at MillionaireWithAdSense (a fellow Canadian; [oops; he's actually British] there’s something about Canadians and crazy online money-making adventures, [...]
For which of you, intending to build a tower, does not sit down first and count the cost, whether he may have enough to finish it; lest perhaps, after he has laid the foundation and is not able to finish, all those seeing begin to mock him, saying, This man began to build and was not able to finish. Luke 14:28-30 To me this verse has a couple of things it is stressing. First, if you want to buy s
After posting about The Happy Rock’s need for another writer, I began thinking why someone would be interested in becoming a personal finance blogger. That ultimately lead me to think about the benefits of PF blogging I have received after a year plus of running a blog. Here are my top five reasons [...]
Dishonest money dwindles away, but he who gathers money little by little makes it grow. Proverbs 13:11These days get rich quick schemes are a dime a dozen. You are told that you can buy and sell foreclosed houses and get rich quick! Try the newest currency trading exchange and get rich quick! Invest in this new company - and get rich quick!As this verse tells us, the best way to make good in y
Control of your personal finances is critical if you want to get out of a crisis money in the present and want to achieve financial targets in the future. This gives you security, less stress and peace of mind. As a precautionary about the financial problems can be a great help, but to do this, you need professional help.Search for a professional Financial Advisor to HelpYour first step towards fi
