Why it isn’t a catastrophe if

Why it isn’t a catastrophe if husband and wife wed their finances

You could be man and wife faithfully wedded to each other without a penny in your account and a combined net worth equaling zero, but you may revel in the thought that you have each other, and you are happy with that. If you have risen together from humble backgrounds it is easier to make a joint pitch for financial growth and foster a mutually beneficial relationship that is poised on the growth curve. It is much simpler to merge each other’s backgrounds with minimal assets because you have a lot less to boast about but a heck of a lot to aspire for in the cheering ambiance of romantic love and mutual admiration.

But as a marriage progresses and acquires the trappings of a career, business and home, and a car and mounting personal assets and growing children, the couples start to reappraise their individual and mutual goals and aspirations. It may dawn on one or both partners that a joint financial endeavor could seriously benefit the family. Here we share our thoughts on why it would be in the couple’s best interest to pool their finances

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Shared finances are the reverse side of shared aspirations

Many relationships though founded on the bedrock of romantic love and respect flounder in the seas of incompatible earning power. The husband might have forayed confidently into the fine arts or music or related fields only to discover post wedding that these vocations are emotionally fulfilling but they do precious little to pay the daily bills. If the wife remains a home maker this situation could become the recipe for financial instability. Worse still, such situations could result in one or both partners compromising on their goals and aspirations. Perhaps one way out could be for spouses to review priorities and discover new age vocations and pursue commensurate educational qualifications to carve out more paying careers.

A couple we knew turned to radiology and phlebotomy and studied hard to acquire technical certifications in their respective areas to forge well-paying careers in the healthcare industry. The realization dawned on the couple that they had now substituted penury with high value education loans that were screaming to be repaid. What steadied their financial ship was the decision to pool resources and to double their repayment and throw in windfalls that came their way.

Joint financing overcomes the friction of income disparity

It’s easier to talk about equality of sexes in every aspect of life and living but much more difficult to ensure it is implemented in the routine of the daily marital grind. The wife might be earning $9 per hour to start with while the husband brings in larger wages and a heftier contribution to the household expenses, or it could be the reverse. The steady acquisition of assets and personal belongings over a period of time could entirely be through the efforts of the larger income earning partner.

The status quo might still be blissfully maintained without rancor or ill will for years to come as husband and wide grow to love and nurture each other, regardless of their income disparity. The tables could just as easily be turned when the wife may overcome career setbacks to forge ahead and earn double what her erstwhile high income partner was drawing. It may not matter significantly because thus far nobody was exercised about the disparity in earnings as the expenses were jointly pooled and taken care of. Besides, if one partner was earning more, the other was contributing physically, mentally and emotionally to keep the home and children together. Ultimately, handling finances jointly becomes the glue keeping the family intact, where mutual disparities in earnings have little impact on the family’s growth and development.

Sharing earnings is a vote for increased transparency

Couples may tend to start life together maintaining separate accounts but that could be a blow to transparency in the long run because what remains hidden between partners could one day come back to hurt the relationship. Suspicions and secrecy are mutually coiled snakes that squeeze out the spice of trust and mutual respect that keeps a relationship well oiled. Having mutually merged accounts brings matters out into the open and partners become accustomed to asking and clarifying and accepting mutually agreed spending patterns. It’s a win-win situation where there is little scope for hostility and suspicion.

What works for a marriage is teamwork

A successful marriage cannot be divorced from teamwork. The years together, the roller coaster rides from the depths of depression to the heights of ecstasy and the bonding that children bring about ram home one significant factor – the teamwork that made it possible to persevere as a single unit. Rising and falling together the couple retain their zest for life, facing, tackling and overcoming hurdles together as a team. The magic worked purely because the couple refused to separate their financial lives and chose to merge aspirations with their combined resources.

Joint financing is the panacea for easier parenting

More than most couples care to acknowledge, it is kids that keep their marriage intact. Changing diapers, the travails of maternity, the doctor’s visits, the sporting disasters and the schooling lessons are memorable because of shared responsibilities and financial bonding that made things smoother. Children help break the invisible yet strong barriers that finances tend to create if they were tackled individually. They drive home the truth that nurturing the family overrides all financial considerations and dissolve the distances that disparate incomes may otherwise create.

Working hard to succeed in joint financing

Though short term solutions may work it is the long term resolve that makes joint financing tick.

  • Create monthly budgets and stick to them without demur. Spend quality time creating a structured budget that takes care of essentials without cutting too many corners, and work sincerely to stay within that budget. Budgeting is a powerful tool purely because it compels us to acknowledge the limitations posed by our earnings and devise ways and means to contain expenditure that ensures we stay on track.
  • Enforce a strict expenditure ceiling, a kind of glass ceiling that should never be breached by either partner – a ceiling on the amount that can be spent on any product or service or need, personal or familial. This enforces fiscal discipline and minimizes misunderstandings and quarrels. It also implies that financial decisions will always conform to a mutually accepted standard.
  • List your short term objectives and long term goals and review their progress periodically and affect changes as your salary and earning levels increase or as your needs undergo change. It’s the easiest and most practical way of ensuring the family grows along the lines that you have mutually dreamt about and aspired for.

A successful marriage is all about teamwork, and there is no future in growing separately as individuals each pursuing his or her separate goals. This is a logical conclusion as the very purpose of marriage is to unite two souls, not separate them so each follows its own trajectory. There is always a deeper sense of fulfillment in uniting finances. Car Title Loans Beverly Hills 8447 Wilshire Boulevard, Beverly Hills, CA 90211 (424) 625-7435

Cutting the cost of dental care without sacrificing quality

More than a hundred million Americans find themselves without a dental insurance policy, and many of these people belong to the low income bracket. The majority prefer to get by with simple fillings and the occasional clean-up job. The dental filling costs anywhere from $150 to $200, clean-up costs around $250 and having braces installed could cost you anything in the range of $4,500 to $6,500. Having a sizeable chunk taken out of your domestic budget implies that there is urgent need to insure dental costs. It doesn’t help that the majority of employers do not fund dental insurance premiums. Adding to the uncertainty is the fact that many market insurance products are of doubtful standing.

Obamacare, also known as Patient Protection and Affordable Care Act, breaks new ground by wading into dental care insurance. Though the government recognizes that dental care for children is a priority item in any health policy, and there are insurance policies that make them affordable, little has been done to make it mandatory.

Acknowledging the plain truth that most people are without resources to fund expensive dental premiums, we present some of the best tips on saving dental care expenses:

Open and fruitfully exploit the Health Savings Account (HSA)

The HSA was created for those people with higher deductible health insurance plans that wished to save for meeting medical expenses and simultaneously gain tax exemptions and concessions. By high-deductible plan we mean a plan with a deductible exceeding $1,300 if we are talking of individual policy holders and $2,600 if it’s a family. The maximum annual contribution is pegged at $3,350 (for individuals) and $6,650 (if it’s a family). The significant advantage is that the money that you park in the HSA grows tax free till it is used to meet dental expenses.

Leverage the employer’s Flexible Spending Account (FSA)

When the employer permits FSA it is left open to you to accumulate your pretax dollars in that fund till you leverage the money for dental care. It is equally important to acknowledge the fact that overfunding the account doesn’t do you any good because if the money isn’t utilized within the year it simply lapses and there is no roll over facility. As you stand to lose unutilized funds it would be wiser to estimate your family’s medical expenses beforehand and accumulate just sufficient money to meet the expenses.

If a Dental school has a demand, meet that need at lower cost

Accredited dental schools frequently need patients to volunteer for dental procedures. You could end up getting a minor cleanup or major dental surgery done at an affordable cost (way below the market rate). Besides, these dental procedures will be conducted under the personal supervision of accredited professionals so you stand to receive high quality services that save money and get the job done with a higher degree of professionalism.

If the dentist has a payment plan, he is your man

Annual cleaning schedules, fillings and X-rays are very often integral to plans that are offered at discounted rates by many dental professionals. Perhaps the only challenging problem in such plans is that they require upfront payments that families may find it difficult to muster. But that is a challenge one can readily accept if it means valuable savings down the road. There is also the added advantage of having assured treatment throughout the year.

The advantages of retail dental clinics

A major cost cutting initiative is offering high quality dental services within the relaxing ambiance of a mall or shopping center as opposed to the specialized dental hospital. The advantage is that a person gets to access dental care services at a lower cost without sacrificing much of his time and money and without compromising on quality. Gentle Dental and Pacific Dental Care are just a few examples of retail dental care services that are making waves in the community.

Dental coupons and discounts that save money

There are quite a few dental clinics that issue discounts and coupons that you can locate in mailers and newspapers that account for almost 50% of the dental costs in cleaning, filling and X-rays. This is a huge saving even if the facility is limited to single visits.
Dental Groupons for short term savings

If you thought that Groupons are limited to fashionable clothing and exciting vacations you can do a rethink because you can see their counterparts reducing dental care costs. You could be pleasantly surprised to see Groupons charging as little as $50 for complete cleanups with X-rays. You can’t leverage Groupons for a long term benefit because they are limited to first time users, but they guarantee dental jobs at lower costs.

The advantages of preventive care

It is an established fact that neglecting dental problems can turn out to be thrice as expensive as preventive care. This is certainly an area that deserves more than its fair share of attention – preventing dental problems from getting complicated. Establish a practiced dental routine and make it a regular habit learning the fundamentals of brushing correctly, flossing teeth and getting the doctor to do a checkup at periodical intervals.

Opting to see the dentist only when all hell breaks loose or choosing to visit the dentist at frequent intervals for checkups is a straight choice – the former pushes you into a trajectory of ever increasing expenses whereas the latter helps you maintain greater dental health thereby obviating the need for high cost dental procedures. If you cannot afford regular visits try leveraging the cost cutting tips that we have detailed, but don’t avoid seeing the dentist altogether as that is a one way trip to bigger dental bills. TNL Car Title Loans 3921 Steck Ave Ste A-120, Austin, TX, 78759 (512)872-4630

Staying rather than fleeing the scene of an accident is the safer option

Conflicting emotions from outright fear to massive confusion and an overwhelming sense of guilt could be fleeting through a driver’s mind when he is driving drunk or he is not in possession of his license or he feels he is responsible in some manner for a traffic violation, crime or accident. Those feelings apart, it is utter foolishness to drive away or flee from the scene of an accident, especially after breaking the law.

What happens when you flee the scene of the accident?

Fleeing the scene of a crime or accident, even when one has not committed any offense or a violation

How the law investigates hit and run cases

Once the perpetrator flees the scene of the crime, the law enforcement arrives and commences the investigation. Their first duty is to reach the injured, if any, to hospital for prompt medical attention. Survivors can also be questioned to elicit authentic details of what actually transpired. Additionally, witnesses in the immediate vicinity will be quizzed to ascertain what they saw and whom they suspect. This elicits valuable information helping to trace the fleeing vehicle and absconding driver.

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Next, the focus of the investigators turns to any video or CCTV footage covering the scene. CCTVs of banks, businesses and traffic stops may be checked. The paint marks seen at the point of impact in an accident could also throw up valuable clues that help identify the fleeing vehicle. Police will also probe if there’s evidence indicating whether drugs or alcohol were involved in causing the accident. If all the clues help to identify the perpetrator, it will be a lot easier for zeroing in on his residence or work place. If the perpetrator is clearly identified the law enforcement wing swings into action to procure an arrest warrant to apprehend the culprit.

Guilt, fines, damages and other punishments pursue you when you flee the scene

Fleeing is not really an option as the person fleeing the scene of the accident may suffer waves of guilt alternating with apprehension, and this will inevitably affect his work and attitude. The victim of the accident or bystander whose property is damaged will file claims for personal injury and damages. The more serious comes from the jury suspecting the bon fides of the driver even when there may be no clear evidence linking him to the scene of the crime. In their eyes you will look guiltier.

Why staying is the better course of action

The problem with fleeing is that the driver gets the rough end of the stick both for fleeing the scene and the criminal charges that are likely to arise following his indiscretion, rule violation or crime. Therefore, being rooted to the spot and (if humanly possible) trying to be helpful to the injured may stand one in good stead when matters come before the jury. The biggest benefit of staying at the scene is that it makes things easier for the criminal defense attorney to piece together the circumstances in such a way that the driver doesn’t appear to be the perpetrator, or the driver gets to offload a good share of the guilt on the other parties for their negligence or culpability.

Foisting criminal charges on the errant fleeing driver

In quite a few states if there’s a hit and run that causes no physical injury but results in property damage, the state treats it as a misdemeanor punishable with a fine and/ or a year’s incarceration. In cases where the other driver or co-passenger gets injured or dies in the accident, the penalties become stiffer and may involve longer jail terms. If the other driver is killed in the accident and the perpetrator flees the scene it’s considered a felony in every state.

If fleeing was your immediate reaction, face the consequences bravely

If you have fled the scene immediately, the inevitably wiser course of action would be to turn yourself in after taking legal advice from a good criminal defense lawyer. The prosecution cannot take the plea that you absconded and had to be hunted down by the authorities. Your defense counsel could project the fact that you owned up your share of responsibility and you are present to explain your side of the story in court. Judge and jury are more likely to take a lenient view in such instances.

No matter how bad the situation might be, fleeing the scene is not an option that anyone (least of all your defense attorney) would recommend. You give yourself a better shot by staying put and ensure the criminal defense lawyer does the talking. Who knows? The savvy lawyer could piece the facts together and bring in a wholly new perspective that could lessen the gravity of serious charges, and even get the charges dismissed. 1800Bail 5220 Clark Ave #365, Lakewood, CA, 90712 (562) 314-3658

Title for Cash Citrus Heights gets going

When cash is the need of the moment the title for cash Citrus Heights gets going

Having to meet a financial deadline could be a tough task under normal circumstances, but things could get pretty murky if there is insufficient cash to make ends meet. This goes for special situations like a medical emergency when you may have no idea how much will be enough to pay for expenses. At times you may experience a serious shortfall in cash and not know whom to approach and whom to ask for assistance. Parents can’t fit the bill all the time and it could embarrass you to ask a friend to help you out. The title for cash Citrus Heights saves you the blues time and time again by lending the cash that you need within minutes to respond to the emergency and squelch the fires of any financial catastrophe. In fact the car title loan has saved people from the jaws of disaster time and again, and there’s no reason why they can’t help you when you need cash in a hurry.

Running out of resources is half the problem and you can solve that by accessing the title for cash Citrus Heights 24/7 through the company website, and the other half of the problem – that of getting cash quickly is also solvable because the car title loan ensures everybody applying the loan gets the cash within fifteen minutes, regardless of the amount requested. This is what distinguishes the pawn car title loan from many other loan contenders in the ring. The car title loan delivers the cash in pleasing ambiance and style while other loans adopt delaying tactics that frustrate loan applicants.

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Holding the borrower to the mortgage of his home property is the worst that a bank can do when it finances a big ticket loan. If the borrower fails to repay the bank loan he stands to lose his home to foreclosure and sale. This is frankly too big a risk to take with one’s most valuable security. The title for cash Citrus Heights poses no risk to a borrower because all that is considered as collateral for the loan is the vehicle, and the chances of defaulting a title loan are very low (almost negligible) compared to many other loans that impose stiff repayment tenures and bigger installments that are near impossible to repay.

The interest rate is a plus point as far as the title for cash Citrus Heights is concerned because a rate as low as 30% APR makes it easier for the borrower to utilize his limited resources (smaller salary) to repay the loan outstanding without allowing the dues to accumulate and attract penal interest. A lower interest rate is the first sign of affordability especially for customers that are strapped for cash and have only lower incomes to rely on.

The affordability of the title for cash Citrus Heights gets a boost because of the flexibility of its repayment schedule. You won’t find a pawn car title loan becoming unpayable because the installments were too big for the borrower to handle. The title lender will take the pains to ensure that each loan repayment installment neatly matches the borrower’s monthly salary in such a way that the borrower gets to meet his domestic expenses even after remitting the monthly title loan payment. This is a degree of concern for customer’s safety and security that very few loans exhibit.

Whenever a customer receives a lump sum payment he can afford to prepay his title for cash Citrus Heights because there are no additional fees, charges or penalties that the title lender would extract from the borrower, the title loan can be prepaid without penalties and that counts for enhanced savings as far as the borrower is concerned.

When banks say no and your resources run dry it could be the best moment to access the cash loan for title. The title for cash Citrus Heights effectively meets all your cash problems guaranteeing safety, security and dependability. If you are eager to fulfill your cash demand, your best option is TNL Car Title Loans 7625 Sunrise Blvd #4, Citrus Heights, CA 95610 916-436-8337. Access a world of customer friendly title loans that deliver cash in a time span less than 15 minutes, and get loans approved regardless of a poor credit background.

Bail Bonds

Bail Bonds
Bail Bonds are normally established inside of a proper method named bail hearing. This is exactly after the judge meets together with the accused (defendant) and also aims to irrespective of whether it is actually proper to established a bond. If certain kinds of Bail Bonds are believed to be a warranty responsibility or security of the assets, the court will think about information and facts to the economic assets from the offender as well as the sources of all property and also funds will be utilised as collateral for the bail.

Offenders who’re unable to rearrange for the deposit on their own can seek out assistance from people supplying
Bail Bonds. The accused is necessary to pay for merely part of the sum of the down payment as well as remainder is paid by the individual willing to offer you bail. Essentially, that’s how Bail Bonds operate to make sure the whole quantity of the down payment is actually paid if the offender is not competent in making payment to meet up with the necessities of his / her release.

The court set bail for most offenders right after becoming in jail and waiting for trial. Whenever paid out, the individual could be released till the trial date, with money getting a type of bond the individual may come in court docket at maturity. With regards to making payment, the person ordinarily has 2 selections – pay back the complete sum of bail themselves or perhaps get a bail bondsman to compensate a portion of the total. Any time a payment is produced, the firm doing the transaction is in charge for that individual. Which indicate that they be certain the person remains while in the area and is particularly in court for trial period or some other proceedings. In case the person isn’t able to appear, the bail cash is not returned.

When bail has actually been established, it is actually beneficial to be familiar with the different solutions for discharge. “Money” can easily incorporate money deposits, yet it could typically be settled by licensed check, cashier’s check or cash orders. It is very essential for the person posting the money deposit to hold the coverage they obtain to make certain that they’re able to collect their refund when the bail circumstances were achieved.

Not like a cash deposit, bonds signing signifies that the defendant won’t really need to post cash or maybe collateral. Normally, the opponent need to merely sign the ideal paperwork to the judge worker to be freed. Yet it is essential to focus on circumstances or even details that the court handed to be certain the opponent recognizes specifically what to do in order to make the bond isn’t revoked.

When the circumstance of the arrested is performed by an activity with the judge or perhaps the trial, the bail cash is taken back. A bonding organization can have a portion of the money as being a fee to take responsibility. A good number of companies can have various varieties of payment along with offers several funding solutions. Deposits might be supported by a surety enterprise, belonging to, along with other kind of protection. Different choices may perhaps include different fees, hence read the terms and conditions along with understand what is included any time you prepare to pay the expense of your bail.

Never Let Grocery Expenses Overwhelm Your Budget



You are earning money at a fast clip but you often wonder where all that money goes at an even faster clip, and the reasons are not hard to find – groceries could be the villain of the show, and like a true Hollywood potboiler we need to cut that villain down to size. And you have company; millions of Americans are spending too much money on groceries and the end result is skewed budgets and haphazard finances.
It would be really nice if you could curtail spending on groceries without compromising on a full stocked refrigerator. If that sounds impossible, think again because experts say you it is possible with a capital P.
Here are some useful tips that will make it promising for you to contain expenses on your groceries without breaking the budget or busting the bank:
Try shopping at budget stores or convenience stores
Everybody loves shopping at supermarkets and glitzy malls but the problem with visiting these high profile shopping extravaganzas is that the sheer variety of commodities and brands on display will overwhelm you with choice, and the likelihood is high you will end up lugging a crateful of items you never intended to buy. Basically, supermarkets are living excuses for impulsive shopping that drive grocery expenses up the roof.
Instead of supermarkets why not try shopping at stores that are tailored exclusively for low price shopping like the popular Aldi and the ubiquitous Bottom Dollar Food. It’s designer shopping but with a huge difference; here prices are not for tailored for royalty, they are designed to fit leaner pockets and meaner budgets. You don’t have to restrain your entire shopping experience to these convenient outlets but you can buy items in bulk at cheaper prices.
The icing on the cake is that your children might find their favourite brands in these outlets, so you are not sacrificing quality http://www.qikcartitleloans.com/es/what-the-banker-analyzes-when-you-apply-for-a-home-loan/ at the altar of cost reduction. In fact shopping at these outlets redefines your attitude towards money and budgeting in a positive way, meaning that you will be directed towards consolidating your purchases within your given budget.
Admittedly visiting these stores is an extra effort but it an effort that is well worth the botheration. If you pre-plan your outings and prepare a list of items that you need in advance, you will never go wrong.
Keep an eye out for bargain shopping and discounts
In the lazy old days one had to reach for the news dailies to start clipping coupons, but now it’s much easier because of the reach and accessibility of the internet. You’ll find coupons everywhere associated with nearly every commodity, appliance and service you can imagine. Food, vegetables, cereals, pet foods and an unending stream of supplies is available at the click of a mouse through coupons online, directly accessible to you to pick and choose at leisure. Never hesitate to pick and print as many coupons as you can, using them as and when the need arises but always being mindful of the expiry date.
Grocery shopping can be expensive on an empty stomach
It’s a neat psychological trick that you can put to the litmus test each time you try it – go to the supermarket on a hungry growling stomach and you will find yourself loading your cart with all kinds of goodies that look great just because you happen to be hungry. Now repeat the exercise another day on a full stomach eating just before departure. You will find shopping an entirely new experience. You will be precise, level headed in your decisions, and you end up buying just what you wanted without wasting an extra dime.
The last word
One has free oneself from the attitude that groceries are most essential to daily upkeep and therefore no expense should be spared to keep your fridge and larder well stocked to meet any situation, as the family should never go hungry. Frugality is what should guide you when you purchase groceries or for that matter any other item of necessity. Buy on a need-to basis and not with a must-have attitude. Be very clear what your needs and wants are don’t be afraid to say no to yourself when your wants play spoilsport. It’s OK to pamper yourself and the kids occasionally but not make a habit of it to the extent it ruins your finances. Years down the road your family will be grateful for the savings you generated.

Money Management Needn’t Be A Struggle If You Put Your Mind To It!



Are you bracketed in the group that considers money management a headache and avoidable pastime or do you feel at ease handling cash and the awesome responsibilities that come with it? Either way there is no reason to panic as there are simple yet effective methods to take control over money matters, and not let money make you a slave to it.
If you follow these simple steps you would emerge stronger and be in a better position to focus on your financial goals, and still be able to handle your domestic financial commitments like a true blooded professional.
Eliminate debt even as you create wealth
Don’t get us wrong. Debt has its plus points. Debt is often the stepping stone to greater achievements and significant milestones. A certain level of debt will always cling to us throughout our waking lives. The idea is to keep debt contained within tolerable limits so that it doesn’t suffocate our creative endeavors.
Use the internet and locate a good debt management tool; this will enable you to track debts which would otherwise remain unnoticed or be neglected. The tool keeps reminding you of your debt status and offers various menus to control debts and manage loans outstanding. It may also suggest ways to minimize the debt and ways which enable you to save on loan interest.
While the growth in wealth should show an upward curve, debt should always be positioned within a reasonable slab below what is optimal for you. Experts say restricting debt servicing to 35% of your net income (income after taxation) is the safest option. What this means is that you should not commit more than 35% of your income to debt management.
• Controlling cash flows and budgeting money
The essence of money management is controlling the flow of cash – controlling what comes into your kitty as income, and determining what flows out as expenditure. And this can only be achieved through a well thought out budget. The advantage of formulating a budget is that you get to assess how effectively you are controlling expenses http://www.qikcartitleloans.com/es/locations/auto-title-loans-pasadena/ and whether the expenditure you are authorizing is useful or wasteful. It tells you objectively whether you are becoming a spendthrift or whether you are emerging as a savings oriented and investment minded citizen.
Once your budget is decided and implementation is monitored it is possible for you to reduce cash outflows in such a way that savings are generated, which over a period of time can be channeled into sound investments.
• Improving credit scores to achieve the all American dream
You’ve landed a job and now you want to marry, settle down and raise a family, possibly build a home and own a car. It’s also possible that you may not be having the resources to pursue this dream, in which case you need to avail loans. When it comes to availing loans it’s important to remember that your credit score will govern the terms of lending to a great degree and the extent of benefits that you enjoy. For example let’s say you are aiming to secure a thirty year mortgage for a house that is billed at $200,000. Now consider the interest that you will be paying on the mortgage. The difference between a higher 750 plus credit score and a poor credit score could be a mammoth saving in interest of around $70,000. So get cracking and visit annualcreditreport.com for a copy of your latest credit report. If the prognosis is unfavorable get down to brass tacks to improve your score any way you can.
• For wealth creation implement credible investment plans
It’s not enough if you just go through the motions of saving money; this will ensure you get through the daily grind but it won’t be enough to take care of the future. For covering the future nothing beats investments. That means you need to park your savings incrementally in different assets that “grow” faster than a bank savings deposit – you need access to the market for stocks and bonds – the share market. Success in generating growth from investments depends a lot on the right mix of assets (stocks and bonds) that you decide.
Managing money is an awesome task, but as you can see it can be done provided you put your mind to it and follow simple yet effective strategies that yield results in the long term and keep you financially stable in the present.

Frugality Can Be Smartly Exploited To Strengthen Finances



People often carry the impression that one has to be simple and frugal in living or one chooses to live a hyperactive or expensive lifestyle and that both styles of living are poles apart – it’s always one or the other, never together. The end result is that many live a deeply frugal life confining themselves to bare essentials, becoming isolated from life’s joyous pleasures. Others live life to the hilt drinking its elixir to the last dregs so to say and land up ruining their finances after a lifetime of excess. Which lifestyle would you prefer? Not so surprisingly many people would say – neither situation is helpful if pursued alone.
We can illustrate the dilemma with an example; let’s say you have accumulated a gargantuan debt; a credit card outstanding that could put your ancestors to shame, and you are suddenly forced into a life of extreme frugality to generate funds to repay that debt. Your life changes dramatically, you switch off the A/C occasionally, you are mindful of purchases, you completely avoid extravagances and you probably continue doing that and more till the debt is over. But what happens after the debt mountain is flattened? Nine on ten you emerge a wiser individual choosing to live frugally where necessary, but bringing leisure and entrainment and travel back into the family itinerary.
Perhaps that’s the lesson we ought to learn – the lesson of living life frugally, yet smartly as the situation warrants. Here are some tips to help you on that humble path:
Being smartly frugal for revving up your retirement fund
Freak out on one or maybe two days in a week but devote the remaining days to aggressively lowering your bills in ways that are practical but not back breaking. Those days live a steady normal life not the fast paced frenetic type. By practicing a frugal life you may have eliminated some debts; immediately divert those loan payments to a vibrantly diversified retirement plan that takes care of your future while you work hard and enjoy the present.
Being smartly frugal to accumulate an emergency fund
Most people tend to forget that they can choose to be frugal for a specific purpose or to attain a specific goal and not let frugality take the spice and cheer out of their lives. Look around you – you may unconsciously be pursuing habits and customs that are basically unhealthy or eco unfriendly or energy wasting and all these activities could be car title loans texas expenditure traps sucking away your hard earned money. Take smoking for example – try dropping the habit five days a week and calculate the money saved. Do the same for other areas and see your savings grow. Next divert these savings every week to the emergency fund. Repeat week after week and watch the emergency fund rise to unexpected levels.
Frugality creates more opportunities for big ticket spending
Now that sounds very contradictory doesn’t it? What we meant is that you can use frugal living to generate savings over time that can be exploited to purchase big ticket items or finance major home renovation for instance. In fact the very act of saving up to buy the items we always wanted is an art that has been forgotten in our “Buy now and pay later” culture. Of course savings will take time to accumulate but making your dreams come true that way becomes a more fulfilling experience. Moreover, you will have a home devoid of excessive clutter.
Frugality is a weapon securing an uncertain future
It’s impossible to foresee what will happen in the future despite being surrounded by all manner of conveniences and comforts and when everything seems so cozy and normal today. But if you adopt a reasonably frugal lifestyle you will realize that there is tremendous potential in the savings that are generated by frugal actions. You will be creating money that can be set aside for the future literally for any purpose whatsoever.
It could be your daughter’s marriage, son’s business venture, home renovation, buying additional property and an umpteen number of things that you may not have thought about deeply. Supposing you suffer a natural catastrophe or a calamity or even a medical emergency, you will need to draw on hidden reserves and it will do you a world of good if you have taken sufficient care to build those reserves.

Cost Cutting Tips For Purchasing New Appliances For Your Home



People obsess a lot before buying home appliances and most of them go for big brand names without a moment’s hesitation thinking probably that they are banking on quality even if that comes at a higher price. But how many people have actually sat down to analyse how they can spend their money effectively and get the best bang for their buck even as new-fangled appliances are welcomed into homes? Here we share with readers some expert tips that will go a long way in guiding proper purchase decisions when it comes to getting appliances that power your life.
Read consumer reviews extensively to get better grip on the product
A higher price tag doesn’t guarantee the best quality and performance. Take any product and have a close look at how it is marketed by Amazon, Sears, Home Depot or Lowe’s. There you will see scores of consumer reviews form people like you and me that have actually used the product, tasted the performance, tried after sales services and have laid bare their specific views on these issues. Many reviews may be flattering to deceive but there will be the odd review that will make you sit up and notice. Consumers are difficult to please and they are not afraid of commenting on a product’s shortcomings or its parent company’s drawbacks after they have bought and tried the item. For the sharp reader there will be plenty of information that company brochures don’t provide that can help them make a reasoned buying decision.
Online businesses steal a march over traditional firms especially when it comes to home appliances
The universe of home appliance shopping is overflowing with successful online businesses that have given their terrestrial counterparts a good run for their money, and the reason is not hard to find. Traditional companies spend huge money maintain expensive inventories stocked with a limited number of brands and unbranded products with the balance leaning in favour of branded appliances. Because of this a consumer that approaches a store in his neighbourhood gets a limited selection of items, and the company’s policy may be either to take it or leave it. Online firms have moved beyond these limitations. They have fewer overheads and they can afford to pass on huge deductions and discounts a consumer would be hard pressed to locate in a store, and there is much more choice. Appliances will be cheaper and branded items will be selling at a clear cost advantage. So next time you buy, do some research and buy online – always online.
Insist on buying only energy efficient appliances
Read up what leads you to energy efficiency guides online. They will explain how kWh usage and annual operating costs add up for home appliances. Pay special attention to the Energy Star ratings for dishwashers, refrigerators and assess the energy efficiency that you are likely to get if you purchase the item. Energy costs approaching $25 in case of dishwashers and $40 for refrigerators is the norm that must be met if you want leaner energy bills. Just remember that your kitchen range or the microwave oven will not be having an Energy Star rating. Most other appliances will have these ratings.
Insist on free delivery of bigger bulkier home appliances
Provided that the billing exceeds $399 (in most cases) the company normally delivers the appliance free. The delivery costs are already factored into to learn more the retail cost, so you don’t have to splurge you gas and move big items risking damage in shifting from store to residence. If the store doesn’t explicitly mention delivery insist on free delivery before paying upfront.
You can do without set up assistance at home
There is no point paying extra for having the company man set up an appliance for you. Just follow the company manual or watch YouTube to learn the steps and simply do it yourself. It will be a good learning experience for you, besides teaching you some discipline and setting up skills that you can pass on to a third party one day and maybe get paid for doing it!
Dispose older machines carefully and get paid for it
For the environment’s sake please avoid throwing older appliances into landfills without a thought or bother. Many companies will gladly take delivery of the older machine when you buy a new model from them, and they will probably give you a healthy rebate on the cost too.
If the appliance still works take photos of it, describe it in detail and post the pics and descriptions on Craigslist or eBay for a profitable sale. That way some soul will continue to benefit and you will have made some money in the process.
Carefully scan the purchase order for add-ons that will cost you extra
Remember that the connectors of older appliances may be in good condition and may not need replacement (you need to check that to be sure) and if that’s the case there is no point paying extra for items you don’t need.
Approach purchases on a need-to basis not with a must-have attitude – be flexible
If your existing appliance is working well and not giving you much maintenance headache or requires only minor repairs then it’s better to get it fixed, and that service may increase its longevity. Alternatively, if you have researched a new model and decided it’s a god buy be prepared to wait patiently for delivery even if it takes time and don’t settle for cheaper substitutes. Remember that any appliance with helpful extra features will always fetch you good resale value.


Never Let Grocery Expenses Overwhelm Your Budget



You are earning money at a fast clip but you often wonder where all that money goes at an even faster clip, and the reasons are not hard to find – groceries could be the villain of the show, and like a true Hollywood potboiler we need to cut that villain down to size. And you have company; millions of Americans are spending too much money on groceries and the end result is skewed budgets and haphazard finances.
It would be really nice if you could curtail spending on groceries without compromising on a full stocked refrigerator. If that sounds impossible, think again because experts say you it is possible with a capital P.
Here are some useful tips that will make it promising for you to contain expenses on your groceries without breaking the budget or busting the bank:
Try shopping at budget stores or convenience stores
Everybody loves shopping at supermarkets and glitzy malls but the problem with visiting these high profile shopping extravaganzas is that the sheer variety of commodities and brands on display will overwhelm you with choice, and the likelihood is high you will end up lugging a crateful of items you never intended to buy. Basically, supermarkets are living excuses for impulsive shopping that drive grocery expenses up the roof.
Instead of supermarkets why not try shopping at stores that are tailored exclusively for low price shopping like the popular Aldi and the ubiquitous Bottom Dollar Food. It’s designer shopping but with a huge difference; here prices are not for tailored for royalty, they are designed to fit leaner pockets and meaner budgets. You don’t have to restrain your entire shopping experience to these convenient outlets but you can buy items in bulk at cheaper prices.
The icing on the cake is that your children might find their favourite brands in these outlets, so you are not sacrificing quality at the altar of cost reduction. In fact shopping at these outlets redefines your attitude towards money and budgeting in a positive way, meaning that you will be directed towards consolidating your purchases within your given budget.
Admittedly visiting these stores is an extra effort but it an effort that is well worth the botheration. If you pre-plan your outings and prepare a list of items that you need in advance, you will never go wrong.
Keep an eye out for bargain shopping and discounts
In the lazy old days one had to reach for the news dailies to start clipping coupons, but now it’s much easier because of the reach and accessibility of the internet. You’ll find coupons everywhere associated with nearly every commodity, appliance and service you can imagine. Food, vegetables, cereals, pet foods and an unending stream of supplies is available at the click of a mouse through coupons online, directly accessible to you to pick and choose at leisure. Never hesitate to pick and print as many coupons as you can, using them as and when the need arises but always being mindful of the expiry date.
Grocery shopping can be expensive on an empty stomach
It’s a neat psychological trick that you can put to the litmus test each time you try it – go to the supermarket on a hungry growling stomach and you will find yourself loading your cart with all kinds of goodies that look great just because you happen to be hungry. Now repeat the exercise another day on a full stomach eating just before departure. You will find shopping an entirely new experience. You will be precise, level headed in your decisions, and you end up buying just what you wanted without wasting an extra dime.
The last word
One has free oneself from the attitude that groceries are most essential to daily upkeep and therefore no expense should be spared to keep your fridge and larder well stocked to meet any situation, as the family should never go hungry. Frugality is what should guide you when you purchase groceries or for that matter any other item of necessity. Buy on a need-to basis and not with a must-have attitude. Be very clear what continue your needs and wants are don’t be afraid to say no to yourself when your wants play spoilsport. It’s OK to pamper yourself and the kids occasionally but not make a habit of it to the extent it ruins your finances. Years down the road your family will be grateful for the savings you generated.