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The Canyon of Incumbrance: Young Texas And I Crawl Out of Debt

By: Art Of Saving Personal Finance Views: 3515 | Comments: 0 | Votes: 0

I'm not going to lie. Sure, I'll admit it. I've been pushed past the point of shame, and have fallen straight into the abyss prominently named, "The Lonely Canyon Of Incumbrance." I'm one of those people. Yes, in my youth, I made some financial blunders and managed to sink myself into a molehill of debt. I refuse to call it a "mountain" -- I refuse! It would only discourage me. More

Scholarships: The Top 10 Strangest Ways to Pay for College

By: Art Of Saving Education Planning Views: 5320 | Comments: 0 | Votes: 0

Scholarships are a great way to pay for college education. The problem is that scholarships are typically merit-based, which means they are usually reserved for students with 4.0 GPAs or star athletes. Thankfully, there are scholarships that rely on other kinds of distinction. Some of these scholarships might be called "non-traditional"; others are downright strange. Well, not anymore. More

Defeating Credit Card Debt With Self Control

By: Art Of Saving Banking Views: 3989 | Comments: 0 | Votes: 0

Credit card debt is a major social problem in some Western countries. To rid yourself of credit card debt, it is best to recognize the problem as both a social and individual problem.If you are overburdened with credit card debt, or are in danger of becoming so, it is very easy to see it purely as an individual problem, one from which you may be suffering both physically and mentally. More

Eight Ways To Sink Yourself Financially

By: Art Of Saving Personal Finance Views: 2365 | Comments: 0 | Votes: 0

1. Don’t focus on your financesThe reason most people get into debt is because they don’t spend enough time focusing on their finances. You need to get a grasp of where you’re at financially, keep track of your income in relation to expenses and spending habits.2. Failure to develop a good financial planNo one would imagine going on vacation without planning for it. 6. More

8 Personal Banking Don'ts

By: Art Of Saving Personal Finance Views: 2095 | Comments: 0 | Votes: 0

Presumably the object of having a bank account is to save you money, or at least to help you more easily and properly manage it. But there are also several ways in which your use (or misuse, as the case may be) of your personal banking account could lose you money. Below you'll find out how to avoid the eight most common blunders when it comes to personal banking. 1. 2. Many people do. More

6 Critical Benefits of Preparing Your Own Personal Budget

By: Art Of Saving Personal Finance Views: 2601 | Comments: 0 | Votes: 0

The role of a personal budget is to help you manage your finances and eventually become debt free. This is the dream of us all, isn't it? Most people shy away from doing the budget thing, but it is the best, most trusted and proven method for getting your finances in order. You can have your own budget completed within a couple of hours. Ready to begin? Let's go.Benefit #1. More

Making A Credit Card Work For You

By: Art Of Saving Banking Views: 3117 | Comments: 0 | Votes: 0

Boosting Your Credit-Rating With A Well-Managed Credit Card A considerable obstacle standing between many Americans and the consumer goods they consider a necessary or desirable part of life is a ready way to pay for them. From a new piece of furniture to a car or even a house an age old problem stands in their way: MONEY – or rather how to get hold of it. More

Test Your Personal Finances Iq With This Quick Quiz

By: Art Of Saving Personal Finance Views: 2544 | Comments: 0 | Votes: 0

Managing your spending habits, saving sufficient funds and clearly seeing your personal financial situation are important elements in managing your personal finances correctly. This test will give you an idea whether you need some more help, or if you're on top of this important part of your life. (The answers are listed at the end of this article.)Question #1. Question #3. More

The Advantages of a Store Card

By: Art Of Saving Banking Views: 2526 | Comments: 0 | Votes: 0

If your credit history is good, then you may stand to gain some benefits using a store card. Initially, you may be tempted to accept a store card because you might be given some discount on your purchases, usually, 10%. If you pay off your outstanding every month, regularly, then you may get other benefits in the form of discounts or first previews of new merchandise. More

10 Ways to Save $50 a Month

By: Art Of Saving Personal Finance Views: 2228 | Comments: 0 | Votes: 0

10 Ways to Save $50 a Month1. Save up to 50% per month on convenience cleaner cloths by cutting them into half, i.e. dryer softener cloths, face cleanser cloths, etc. Savings: $5 per month 2. Find more thoughtful gifts and buy when the item is on sale, shop for birthdays and holidays throughout the year not at the time of the events. Savings: $10 per month 3. Savings: $25+ per month 7. More