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Hey U.S., welcome to the Third World!

By: Rosa Brooks Personal Finance Views: 2606 | Comments: 0 | Votes: 0

Rosa Brooks

Dear United States, Welcome to the Third World! It's not every day that a superpower makes a bid to transform itself into a Third World nation, and we here at the World Bank and the International Monetary Fund want to be among the first to welcome you to the community of states in desperate need of international economic assistance. The U.S. should accept some monitoring by the IMF." More

6 Critical Benefits of Preparing Your Own Personal Budget

By: Art Of Saving Personal Finance Views: 2337 | Comments: 0 | Votes: 0

Art Of Saving

The role of a personal budget is to help you manage your finances and eventually become debt free. This is the dream of us all, isn't it? Most people shy away from doing the budget thing, but it is the best, most trusted and proven method for getting your finances in order. You can have your own budget completed within a couple of hours. Ready to begin? Let's go.Benefit #1. More

Test Your Personal Finances Iq With This Quick Quiz

By: Art Of Saving Personal Finance Views: 2260 | Comments: 0 | Votes: 0

Art Of Saving

Managing your spending habits, saving sufficient funds and clearly seeing your personal financial situation are important elements in managing your personal finances correctly. This test will give you an idea whether you need some more help, or if you're on top of this important part of your life. (The answers are listed at the end of this article.)Question #1. Question #3. More

Save Money On Groceries "Tips To Stick Within Your Budget"

By: Angela C. Martinez Personal Finance Views: 2240 | Comments: 0 | Votes: 0

Angela C. Martinez

It is easy to overspend when grocery shopping. It's probably the place where we do the most impulse shopping. So we tend to buy things we don't really need and there goes the budget. Here are some things that will help guide you when buying groceries.Make A ListMost People have certain things they eat regularly. So making a basic menu plan should be fairly simple. Make a list. More

The Fundamental Law of Economics

By: Dr. Tucker Hart Adams Personal Finance Views: 2114 | Comments: 0 | Votes: 0

Dr. Tucker Hart Adams

“Using Law and Economics in the same sentence is an oxymoron,” the hard scientist will snicker. Economics is one of the soft sciences, driven by human behavior, which is unpredictable at best. And yet there are economic laws, just as there are laws of physics. You may be able to walk on the ceiling in the carnival fun house, but ultimately the Law of Gravity prevails. 1. 2. 3. 4. More

Eight Ways To Sink Yourself Financially

By: Art Of Saving Personal Finance Views: 2111 | Comments: 0 | Votes: 0

Art Of Saving

1. Don’t focus on your financesThe reason most people get into debt is because they don’t spend enough time focusing on their finances. You need to get a grasp of where you’re at financially, keep track of your income in relation to expenses and spending habits.2. Failure to develop a good financial planNo one would imagine going on vacation without planning for it. 6. More

Your Money Really Matters, The Lost Art of Saving Money

By: Michael G. Shinn, CFP Personal Finance Views: 2108 | Comments: 0 | Votes: 0

Michael G. Shinn, CFP

The Lost Art of Saving Money Saving money is nearly a lost art in America. According to the U.S. Census Bureau, the national household savings rate has fallen from 10.8 percent in 1984 to a negative 0.5 percent in 2005. Over the past 20 years, not only are households saving less, but we have finally reached the point where we are spending more money than we are making. (Michael G. More

10 Ways to Save $50 a Month

By: Art Of Saving Personal Finance Views: 1993 | Comments: 0 | Votes: 0

Art Of Saving

10 Ways to Save $50 a Month1. Save up to 50% per month on convenience cleaner cloths by cutting them into half, i.e. dryer softener cloths, face cleanser cloths, etc. Savings: $5 per month 2. Find more thoughtful gifts and buy when the item is on sale, shop for birthdays and holidays throughout the year not at the time of the events. Savings: $10 per month 3. Savings: $25+ per month 7. More

The Fastest Way to Pay Off Debt

By: Kristine A. McKinley, CFP, CPA Personal Finance Views: 1917 | Comments: 0 | Votes: 0

Kristine A. McKinley, CFP, CPA

There's some debate among financial planners as to the best way to pay down debt. The basic steps in this method include:1. List all debts in order from the highest interest rate to the lowest interest rate. 2. Commit to paying the minimum payment on every debt. 3. Determine how much extra can be applied to the highest interest rate debt. 4. 5. 6. 2. 3. 4. 5. 6. More

8 Personal Banking Don'ts

By: Art Of Saving Personal Finance Views: 1852 | Comments: 0 | Votes: 0

Art Of Saving

Presumably the object of having a bank account is to save you money, or at least to help you more easily and properly manage it. But there are also several ways in which your use (or misuse, as the case may be) of your personal banking account could lose you money. Below you'll find out how to avoid the eight most common blunders when it comes to personal banking. 1. 2. Many people do. More