Create A Budget and Stick To It

July 6, 2011

Creating a budget can be a time consuming pain. You have to track down all of your expenses and income to set your monthly baseline and then from that point on you need to be good about staying on top of all of the data entry and analysis. That being said, it might not really [...]

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Wanted Debt or Alive (Parody of the Bon Jovi Song)

March 4, 2010

While driving home the other day, I heard the Bon Jovi song “Wanted Dead or Alive” and somehow became inspired to write a version of the song that would be good for The Personal Finance Program. On that note (no pun intended) I came up with the following lyrics to “Wanted Debt or Alive,” which [...]

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How to Have an Inexpensive but Still Amazing Valentine’s Day

February 12, 2010

Most of us – men especially – view Valentine’s Day as a “Hallmark Holiday.” For those of you who have never heard this term, it means that Valentine’s Day is pretty much just a corporate sponsored holiday created to force us to spend money on our significant others. We go along with it because – [...]

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This Recession Has Been Good for Cheap Booze

February 3, 2010

Remember the days when your liquor cabinet was filled with cheap brands like Aristocrat Vodka, Bowman’s Run, and Virginia Gentleman Bourbon, and how you swore that once you made a little more money, you’d stick to nothing but top-shelf fire water? Turns out, The Great Recession has thrown cold water and a dash of sobriety [...]

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Loan Modification Changes – Documents Required Up Front

January 29, 2010

One of President Obama’s biggest challenges in fixing the economy is finding a way to help stem the tide of preventable foreclosures that are currently dragging down the battered housing market. Through the Making Homes Affordable program, home owners and lenders were to work together to find way to modify existing mortgages to make the [...]

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Never Pass Up an Employer Match on Your 401k

January 19, 2010

First off, please note that this is not legal or investment advice. If you need these services, please contact a certified professional. Now, on to the good stuff! With the death of the “gold watch and nice pension for a career well done” era, the burden for making sure you have enough money in retirement [...]

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Save Money By Avoiding Dry Clean Only Clothes

January 19, 2010

Here’s a pretty simple way for you to save both directly and indirectly on your clothing costs – avoid dry clean only clothes. Dry clean only clothes are, more or less, a double edged sword: you almost always pay more up front when you purchase them, and then you have to pay a lot of [...]

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6 Ways to Lower Your Utility Costs Today

January 18, 2010

Over the past several years, two things have come into focus as incredibly important: saving money and saving the environment.  This post aims to show you six ways how you can very easily do both. All of the solutions below clost little or no money, and have an immediate pay off in terms of reducing [...]

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Debt Consolidation Commercials – They’re Everywhere!

January 8, 2010

Is it just me, or does it seem like every other commercial on the TV or radio is for some sort of debt relief or debt consolidation company? I know things are very tough right now with the economy. Unemployment is at the highest levels since the early 1980s, it’s still very hard for small [...]

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How to Stick to Your Financial New Year’s Resolutions

January 6, 2010

First of all, happy New Year! Like most everyone else, you’ve probably come up with some New Year’s resolutions, some of which may include some financial goals. Maybe you want to pay down some credit card debt, save up for a house, or just be “better with money.” Whatever financial goals for 2010 are, I [...]

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