How to Negotiate Higher Starting Salaries

As adults, we learn that everything in life is negotiable and starting salaries for new employees are no exception. You are a knowledgeable professional with valuable skills and experience that employers should pay a premium to utilize. Therefore, you should negotiate a starting salary that gives you a sense of your worth as a contributor to your new company. This puts you in a better financial position and communicates the impression that you’re an ambitious businessperson with a Read More...

Low Cost Investments for First-Time Investors

First-time investors would be wise to start slowly when seeking their first low-cost investments. Investing only a small amount of cash creates less risk in losing money you can afford to lose when you don’t know the ropes. In this way, you’ll be learning as you go and potentially making some money without blowing thousands of dollars on a beginner’s mistake. Here are some low-cost investments that require a lower cash commitment and are easier to Read More...

Monitor Your Purchases for Better Financial Freedom

Have you experienced this scenario before? Your bills are all paid, you’ve spent a little cash on a few things, then suddenly, at the end of the month, you find yourself in a deep financial rut with no clue how it happened. Those little expenses add up, don’t they? Two trips a day for premium coffee, a pile of new clothes, and before you know it you’ve racked up quite an expensive tab for yourself. Now’s the time to trim down those spending habits before it gets out Read More...

How to Pay Your Mortgage Off Early

Owning a home is something everyone dreams of, but owning a home outright comes in a close second. Paying off your mortgage faster is a smart move, from a financial perspective. Being mortgage-free decreases your monthly expenses dramatically and enables you to fund other expenses like retirement, college funds, and day-to-day savings more easily. The majority of your mortgage payment goes towards interest in the first few years. Here are some tips to reduce or avoid that interest-trap Read More...

How to Feed Your Family on a Budget

Feeding your family on a budget with healthy meal choices can be both challenging and expensive. Using a little creativity, however, and you can find healthy food choices for your family that suits your budget and saves you money, too! Eat out less frequently If you eat out less, you enjoy two significant benefits: Your monthly spend on food will be significantly less because eating at restaurants consistently is more expensive than you might realize. When you eat out, you lose control over Read More...

Analyze Your Credit Report for Better Credit

Your credit report is a snapshot of your financial history that includes details about your credit cards, loans, and other financial interests. The information in your credit report is used to determine your credit score. Experian, Equifax, and Trans Union are the three main entities that assign a credit score that ranges from 350 to 850. Together, these values determine your overall FICO credit score. What Do These Numbers Mean? Your credit score comes into sharp focus when buying a car or Read More...

How to Establish First-Time Credit

Your future financial success depends on establishing and maintaining a good credit rating. Until you’ve established first-time credit, though, it often seems impossible to get anywhere with creditors. Young professionals are eager to start their finances on solid ground, but having no credit history makes this venture seem like a mountain you can’t climb. Use the right tools and strategies that are available to you, however, and you can establish first-time credit in the lean Read More...

Which Housing Option is Best for My Family?

Owning a home in a weak economy comes with advantages and disadvantages. If you’re unsure about whether to rent or buy a home today, it helps to consider the pros and cons of both housing options, to see how they match with your current situation. Buying a home may seem preferable because of the financial security it tends to offer, particularly at tax time. However, the costs associated with home ownership may make this option less than ideal right now. It’s wise to carefully Read More...

Loans and Lines of Credit: Reviewing Funding Options

Depending on your needs, there are many different funding options available to the average financial consumer. Lines of credit and loans are two of the more important options, but they have quite different implications. The right type of financing makes all the difference when you need emergency funding or financing for a special project. Buying a new vehicle, paying medical bills, or making home repairs are just a few of the things you might need such financing for. Differences between Read More...

Maintain an Online Presence for Better Job Offers

Today’s job market is more competitive than ever, making it necessary to have something more to offer than just a killer handshake and a great resume. The goal is to prove your worth to potential employers, to demonstrate your unique qualifications and solid work ethic. Keeping an active presence online might be just the thing to land you a better job and securing your financial future. Maintain an online presence and you position yourself as an expert in your field, rather than one of Read More...

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