Who doesn't need some extra cash, gift cards, and holiday cheer this time of year? The personal finance blogging community is full of folks that have big hearts and want to spread some of that cheer on to you!
Your estate is everything you own at death. Estate planning is about organizing your affairs, deciding who gets what, and setting out your wishes clearly.
However, for a wife with long, luxurious locks, a teenage son, and a young daughter that is already very aware of self-image, things are not as simple.
What do you do to make life on a budget more enjoyable, easier, and just plain better? How do you manage fun and your money at the same time? Enter our monthly Share the Wealth contest, and tell us your solution to some of life's challenges. Each month, we'll post a new question and look for your innovative answers. You could win a $250 gift card!
You've got dreams. Goals. Cherished plans. I often call these the Big Things in your life. They're the ones that call out to you -- that would be worth serious effort and sacrifice to attain.
I dug myself into $3,000 worth of credit card debt on consumer items and "fun" in a matter of less than a year. I had nothing to show for it, except for a horrible financial situation.
There are many ways to establish and set goals. One of the more effective methods is to use an acronym to help remind you daily of the keys to your personal success. I have scoured many online resources to develop my strategy for a financially productive 2013. I want to share a few of them with you in hopes of encouraging you to set goals and stick to them in 2013
CareOne is pleased to announce our very first "CareOne Gives Back Giveaway", just in time for the holidays!
With the New Year quickly approaching, it is time for me to start looking forward into 2013. What do I want to accomplish financially, now that my debt is paid in full?
The holidays would not be complete without spending extra money. Or would they?
Remember when you singed up for one of those loyalty / discount cards? You were probably in a rush in the check-out line and didn’t read the agreement. In the fine print you gave permission for the store to gather a lot of data about your spending.
Our minds seem to be clearer when we have a plan. We seem to be able to operate with less stress and chaos when a plan is laid, and contingencies have been evaluated. At least that's how it is for me. By my nature, I am very organized, and I love lists. This year, Christmas purchases, activities, and cooking will be listed, priced, and planned for.
How do I know it's too much? Because I find myself reveling in the planning -- the idea of doing the thing -- rather than getting into the work itself and reveling in getting that done
What is Christmas about? Is it about gifts under the tree, or dazzling your guests with the most amazing feast they've ever seen? I understand that it may feel that way, but we're not doing ourselves any favors when we pretend we can afford extravagant purchases at Christmas. Trust me, your best friend does not want to be the person you went into debt to impress.
The first step to becoming debt-free is to pay off a larger chunk of your credit balance. It's such a simple solution, right?
If you want to improve your finances, you need to set yourself up for success. When you have a small success, it motivates you to keep going - and can lead to even more success down the road.
As we get ready to wrap up the newly dubbed "Cyber Week", Black Friday sales, Small Business Saturday successes, Cyber Monday mania, and Giving Tuesday triumphs, how do you feel?
As it gets closer I am forcing myself to be more proactive about my life after debt. So, I started to do a little research. Funny thing, when I did a quick internet search on "what is life after debt" the main things that come up are articles about our country's financial situation!
My beloved son recently returned home after graduating from Culinary College and having some initial cooking jobs. Seeing my son's need to save money and get on a firmer foundation, we agreed to his moving home for awhile.
We made our list as we have done for years. We wrote down ideas about what to make for meals for the coming week, and then made a list of the ingredients needed to make them, adding to that other household items that we needed. After we were done I scanned the ads for the two major grocery stores that are nearby our house for coupons for anything on the list.
I'm not recommending that you become an overachiever. Life isn't all about ticking off accomplishments, as though you could "win" at life by achieving enough things. But life is certainly not about sitting back and feeling self-satisfied because you hit one goal -- even a very good one.
My husband and I discussed some ways we could try to stretch our retirement dollars and the idea of money-free weekends was one of those things. It turned out to be quite a lot of fun, so I want to share with you and challenge you to try a money-free weekend.
My next step was to include setting goals to pay off certain bills within a specific time frame.
The closer it got to my credit card debt free date, the more I knew it was not enough for me. I wanted something more detailed. I wanted some sort of plan. So, I set up my ING account with different categories. This way I knew how much I had in my emergency fund, hair cutting fund, etc.
In addition to the blogs, be sure to check out the new CareOne Groups:
Are you finally out on your own and figuring out how to balance your finances? If so, this is the group for you. In Starting Out, you can talk about the challenges you are dealing with in a group of like-minded people.
Do you feel like you are finally understanding what being a "grown-up" is all about and are settling into your adult life? If so, this is the group for you. In Settling In you can connect with others who are just like you.
Struggling to balance all that an established lifestyle has to offer? The balancing it all group is for you. Discuss the challenges you face when your responsibilities at work, at home and with family and friends all compete for your attention.
Are you currently retired or planning on retiring very soon? If so, this is the group for you. Times have changed and so has retirement. Learn how others are redefining retirement.