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123rf In a world where managing money wisely can make all the difference, financial literacy is the key to unlocking a wealthier, more secure future. Whether you’re a novice or already familiar with the basics of personal finance, there are always new strategies and insights to discover. One of the easiest ways to enhance your financial literacy is by diving into books written by experts. Here are seven essential reads that will teach you how […]
If you’ve ever watched extreme couponers fill their carts without breaking the bank, you’ve probably wondered how they do it. The secret isn’t just in collecting coupons; it’s also about having smart shopping list ideas that maximize savings. By knowing what to buy and when, you can make the most of every coupon and get the biggest bang for your buck. Here are ten savvy shopping list ideas to help you save big on your […]
Most people start their financial adventure by creating a standard account, which they only use for checks and deposits and are not looking for savings accounts and specific features they may offer. Many of these individuals let their money sit in these accounts until it reaches a certain amount, at which point they start looking at other possibilities for savings accounts. Since their financial situation is either already solid or almost stable, it goes without […]
Regardless of what we are learning, researching or practicing people often use the terms and concepts of efficiency and effectiveness interchangeably. I’m guilty of this. This often happens when we talk about personal finance concepts as well. But these two concepts are not the same. Let’s break them down, and better understand what it means to be both efficient and effective. Especially when it comes to our financial goals. Efficiency: Being efficient is about doing […]
The topic I learned the most about when studying for Certified Financial Planner (CFP) certification was tax planning. As I began working with clients, I realized this is the area I had the most to continue to learn if I wanted to truly master it. So I recently took Part 1 of the IRS enrolled… The post Know the Flow, Pay Less Tax appeared first on Can I Retire Yet?.
Are you feeling overwhelmed by Black Friday sales already? Learning how to budget for Black Friday shopping is your key to scoring amazing deals without breaking the bank. Each year, more shoppers are discovering that a solid budget plan is crucial for success. Smart shoppers know that with the right tools and strategies, you can save hundreds while staying completely debt-free. Imagine walking away from Black Friday with everything on your list and zero financial […]
123rf The forecast is calling for heavy precipitation in the next few days, right in time for the new year. Most of us are still in vacation mode, and parents with children are probably wondering how they’ll entertain their children while school is still out. Unfortunately, the cold means there’s no garden to tend to, and unless you’ve installed cold frames and planned for a winter harvest, there’s nothing to pick from the ground. […]
Do you want to be an entrepreneur? I share 16 random lessons from entrepreneurship so that you don’t waste your time or energy on this journey. The post 16 Lessons From 16 Years of Entrepreneurship That Will Help You Save Money and Time appeared first on Studenomics.
It’s that time of year again. The air is cool and the Election is in the rear-view mirror. That can only mean one thing when it comes to personal finance: time to start thinking about year-end tax planning. I’ll provide some commentary about year-end tax planning to consider, with headings corresponding to the timeframe required […]
How to Save More Easily with Challenges Saving a set amount from your pay comes easily to some, yet it can be challenging for others. You might never have been taught how to save, or maybe you simply find it boring. Some of us struggle with impulse control, some don’t make enough to pay all … The post 9 Savings Challenges to Try Right Now appeared first on The Thrifty Issue.
Managing a changing pay schedule can be challenging, but with careful planning and the right strategies, you can stay in control of your finances. The post How to Manage Changing Pay Schedules appeared first on The Budget Mom.
Are you paying tax on your savings interest? Would you like to pay less tax? Well, it turns out you can, by stashing your cash in gilts1. It’s a legal and safe option that I’ve personally overlooked until now. The trick is to move your money out of savings accounts and into certain individual gilts: .memberful-global-teaser-content p:last-child{ -webkit-mask-image: linear-gradient(180deg, #000 0%, transparent); mask-image: linear-gradient(180deg, #000 0%, transparent); } This article can be read by selected […]
How to save money on a tight budget? It may seem impossible for the 54% of Americans who live paycheck-to-paycheck or the nearly 40% of people earning $100,000 per year who are similarly strained. There is no shame in living this way, but you can fix your situation. By making some changes and thinking outside the box, you can have breathing room and reduce your stress. Saving money may be more challenging when working with […]