Top 6 Tips for Planning and Budgeting Your Raw Diet

You've read all the benefits of eating a raw diet, which include the following: • Increased energy • Decreased risk of developing cardiovascular disease • Improved digestion • Weight loss • Decreased doctor’s office visits • Enhanced skin appearance So you've found out about the benefits and have decided that you want to adopt a raw food diet. Now you have to figure out what to buy and where and how to buy it. You could just head down to the local Piggly Wiggly or Food Lion and see...
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Surviving Christmas Financially!

Christmas is the time of year to have fun while enjoying the holiday with family and friends. However, the magic can also be extinguished by the mad rush of stressful shopping, vacation planning, and other logistics. It’s no wonder that the holiday season is actually one of the most stressful times, especially from a financial perspective. The commercial aspect of the holiday encourages spending. Smart spending and creating a Christmas budget, can reduce the financial burden and alleviate some ...
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You May Be Spending Too Much Money If…

If you find yourself in bad financial shape and you're not sure why, there's a fairly good chance it has to do with your spending habits. Now, to be sure, there are times when you have to spend money. If you're seeking advice on refinancing your home, for instance, you will need to consult a specialist. Or, if you're upgrading your home to be more energy efficient, you'll once again have to throw down some bills. That's part of the cost of living. Other expenses are more recreational and, added ...
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How The US Credit Downgrade Is Affecting Spending

Every person, business and entity has a credit rating. These ratings are a huge part of the economics of lending, borrowing and interest rates. When the United States saw a reduction in their current credit rating, it created ripples throughout the US all the way down the average household and the average consumer. Whether you plan to tuck money away in savings accounts, IRAs or even fixed rate bonds you may be having second thoughts and for good reason. The way people are spending is complet...
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How To Find The Best High Yield Savings

Everyone recognizes the importance of regular saving, even if an increasing number of people are finding it difficult to set aside money in the current climate. If you can manage to save, even a modest amount, a high yield savings account makes a lot of sense. Using a standard savings account will earn you very little, and at a time of high inflation could actually represent an overall loss. So how do you go about identifying the best savings interest rates? Probably the first place to start ...
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Doing What You Want To: How to Stop Spending On Stuff You Don’t Even Use

People work hard because they want to earn the right to live the life they want, even if it means spending on things that are useless to them. A person, who may have no control over some areas of his life, may find it extremely satisfying to at least have control over the money he has earned. To have the power to acquire things that normally poses a challenge can be quite addicting, especially when emotions are involved. People, after all, are insatiable beings; it is only right to reap what the...
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3 Bad Spending Habits and Ways to Break Them

It probably took a recession for many Americans to realize how out of hand their spending had become. It was actually a little shocking to find out how so many people were in serious credit card debt, with seemingly no way out. If there was any good that the recession brought us, then it is to take a closer look at our spending habits. We’ve rounded up some pretty common and bad spending habits that almost everyone is guilty with, and not only that, we give suggestions on how to curb them. Read ...
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15 Things People Forget To Budget For

The economy today is putting a strain on numerous bank accounts. It is essential to have a complete budget that covers all everyday expenditures and still leaves room for savings. Many people forget to include some crucial expenses which can sabotage an otherwise thoughtful budget. Here are fifteen things that people often forget to budget for. 1. Dues and fees - Various types of fees are due throughout the year and they are often overlooked. This includes annual credit card fees, gym members...
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5 Disadvantages of Using a Debit Card

It seems everyone uses their debit card for every purchase these days. They cite the ease with which they make transactions. There is no need to carry cash and the worries that accompany holding a bunch of cash are erased. It really seems like this phenomena has occurred in just the past two years. Pretty much every store you go to will accept debit card regardless of your purchase size. However, it’s not all great news when it comes to using your debit card. Here are five disadvantages to...
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Top 10 Reasons People Spend More Than They Earn

Reasons people spend more than they earn
Rule #1 of financial freedom is spending less than you earn. If you can't do that, you'll never be financially successful no matter how hard you work, how many hours you put in, how many promotions you receive, or how much money you make. It's a simple rule, and most would consider it common sense. But, the U.S. has a negative savings rate, meaning this common sense rule may not be so common place. I recently saw a statistic that claimed that about 43% of American families spend more than th...
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