January is the time that many of us look at our finances and decide that it's time to get in shape. Budgeting, envelopes, savings, cash systems, 401K, IRAs - where do we begin?
One of the most important aspects to budgeting and saving is to actually begin by reducing expenses. And to show you how easy it is, I'm going to show you how you can save a total of $4,571.62 by switching up four things.
I've pretty much decided that it's really cool not to organize my finances. It just seems like one of those things that I shouldn't really have to deal with...
I mean, who wants to have to keep track of all these numbers? And I hate having to restrict my shopping. I'd rather just be able to spend what I want! That's true freedom and a budget will just make me feel like I'm a slave to my finances.
Here's why you shouldn't organize your finances...
1. You'll get overdrawn in the bank, and who doesn't love that $30 fee? It's the best, right?! But I love that I was still able to buy whatever I wanted.
2. You have no idea how much you can spend this week on eating out, so you might as well splurge on that T-bone steak. That's freedom!
If you're anything like us, the arrival of spring conjures up images of open windows, sun-filled days and, of course, spring cleaning our finances.
Even if that last one's not on your list of 'Top 10 Reasons to Celebrate Spring', it should be. That's because the arrival of a new season is a great excuse to do some tidying up—both in your house and with your finances.
Spring cleaning your finances doesn't have to take a long time, either. In fact, here are five things you can do right now to help your finances, each of which would take five minutes or less to accomplish.
Image by Richard Cordray (Wikipedia:Contact us/Photo
In a outlandish move, President Barack Obama enlisted Richard
Cordray (someone just informed me that it WAS NOT Rob Corddry
of the Daily Show, so perhaps it wasn't an outlandish move on the
President's part after all...) as the new
Head of Consumer Financial Protection Bureau on Wednesday
January 4, 2011. I'm not exactly sure what a Head of Consumer
Financial Protection (a lilting "HCFP" acronym) does,
besides punish the bad bankers and financial players, but I do know
what I want him to do for me personally.
The holidays are rapidly approaching and not only does that mean
spending time with family and leaving milk and cookies out for
Santa, but, for many of us, it also creates angst over budgeting
and making ends meet. The holiday season is the biggest
retail period of the year, and, according to American Express,
Americans will spend an average of $831 on gifts this year--17%
more than in 2010.
Luckily, there are a number of ways for the savviest consumers to
save, and, for those with excellent credit, the right credit card
can help you save up to $500.