Make the most of your money.
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Every year, many start the holiday season with a shopping budget and a vow to stick to it. Yet year after year, after the gifts are unwrapped and the credit card bills and bank statements start to arrive, many are shocked at how much they really spent. Why is it so hard to stick to that perfectly crafted budget? Because it takes more than a preset number to stay within your limit: It takes a plan.
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Remember the days when you had to actually go into the bank to deposit a check? And then ATMs were invented—and it seemed like magic! Now, you don't even need to leave your home to do your banking, as long as you have a computer or a smartphone.
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Saving money is difficult, with the cost of living constantly rising and our pay scale staying the same. Yet everyone has extra money hiding—waiting to be discovered and saved for the future. The key to finding this money is in breaking bad habits and making some positive changes that are easy to live with and endure.
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No one actually likes doing his or her taxes. (Well, almost no one.) As we get closer to crunch time, plenty of folks have yet to organize their receipts, sharpen their pencils, and get cracking. Need a few tips on making tax time easier? We went straight to the IRS for some suggestions on making the most of what may be your least favorite time of the year.
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Personal finances. Ugh! If you’re like me, you’ve viewed managing your finances as a chore and your least favorite thing to do. Neglecting this area of our life can cause financial strain, which leads to stress and conflict and feeling out of control. In December, I made a commitment to take control of my finances by learning how to budget and get out of debt. I enrolled in Dave Ramsey’s Financial Peace University, a nine-week course that promises to teach me how to get rid of debt, manage my money, and spend and save wisely.
