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Recent Personal Finance Articles


Why Have A Budget?
Why do we need a budget, family or individual? This question may sound silly, because it is so obvious.

Saving for your child's future
Having children isn't cheap these days, especially in the long term – the older they get, the more they cost. Higher education prices continue to soar and it's almost impossible to get onto the housing market without having some capital or homeowner loans.

Pensions guide: private pensions
It's now unlikely that the state pension will be enough to keep you living comfortably when you retire. It provides only basic support, and the government itself is keen to encourage people to save as much as they can to supplement their state pension and give themselves a comfortable income in retirement.

Pensions Guide: State Pensions
The most important financial decisions you're likely to make in your life are those concerning your retirement. To have a secure future with a comfortable standard of living after you've stopped working, you'll need to plan your finances carefully.

Getting to grips with ISAs
The Individual Savings Account (ISA) scheme was set up by the government in 1999 to encourage people to save more money. It allows people to save up to a certain amount each year without paying tax on the interest or income from it.

What's in a name? IFA Qualifications
There's more pressure on people than ever before to save for their futures. Relying on the state is no longer a safe option for retirement, benefits and healthcare.

Gifting Financial Fortune
Being the season of giving and receiving gifts it is appropriate that we take a look at what we have been giving and what we have been receiving.

Why We Have Bad Financial Habits
There are so many things that we all do on a regular basis even though we know that we should not be doing them

Planning Your Household Budget
Writing out a household budget can be a complicated thing. While some people just look at their immediate rent or mortgage, food, transportation and entertainment budget, there are many more factors in a family budget

Examine Your Bills Closely to Save Money
How close do you check your bills each month? Do you know which items on each invoice are supposed to be there every month? If you do not pay close attention to your bills you could find that there are many extra charges added on, monies that you shouldn't be paying. Think that all of this really doesn't matter? Think again, as a dollar here and a dollar there can add up and really bust your budget. Please keep reading and we'll take a look at some common budget busting add-ons.

Personal Finance Articles

Why Have A Budget?
Why do we need a budget, family or individual? This question may sound silly, because it is so obvious.

Saving for your child's future
Having children isn't cheap these days, especially in the long term – the older they get, the more they cost. Higher education prices continue to soar and it's almost impossible to get onto the housing market without having some capital or homeowner loans.

Getting to grips with ISAs
The Individual Savings Account (ISA) scheme was set up by the government in 1999 to encourage people to save more money. It allows people to save up to a certain amount each year without paying tax on the interest or income from it.

What's in a name? IFA Qualifications
There's more pressure on people than ever before to save for their futures. Relying on the state is no longer a safe option for retirement, benefits and healthcare.

Gifting Financial Fortune
Being the season of giving and receiving gifts it is appropriate that we take a look at what we have been giving and what we have been receiving.

Why We Have Bad Financial Habits
There are so many things that we all do on a regular basis even though we know that we should not be doing them

Planning Your Household Budget
Writing out a household budget can be a complicated thing. While some people just look at their immediate rent or mortgage, food, transportation and entertainment budget, there are many more factors in a family budget

Examine Your Bills Closely to Save Money
How close do you check your bills each month? Do you know which items on each invoice are supposed to be there every month? If you do not pay close attention to your bills you could find that there are many extra charges added on, monies that you shouldn't be paying. Think that all of this really doesn't matter? Think again, as a dollar here and a dollar there can add up and really bust your budget. Please keep reading and we'll take a look at some common budget busting add-ons.

Hotel Rewards Cards For Free Stays
It is a fact: major hotel chains want your business. Moreover, if you use them frequently they want to reward you with free stays during future visits. Most hotel chains offer a points system giving you the opportunity to snag a free night or two down the road. However, you need a little extra help in order to achieve this feat and that is where a hotel rewards card can really help you out. Read on and we'll explore the advantages of using a hotel rewards card to get the points that you need.

Keep Disasters From Ruining Your Personal Finances
That tornado ripping through your home has done more than damage your residence. In some cases it isn't the storm that hurts the most, but the recovery part thereafter. Your personal finances can be in tatters if disaster hits. Preparing now can help alleviate much grief later on, if you follow the important steps mentioned below:

Participating In A Retirement Plan is Found Money
If your employer offers a retirement plan, then taking advantage of that plan is essential toward building wealth. Many companies are now offering what is called 401(k) plans which is an IRS code for this type of retirement vehicle.

Plan Your Christmas Shopping Budget Now
If you expect to be doing some serious Christmas shopping this season, now is the time to plan just how much you will spend and where you will spend your money. Indeed, the average American family spends more than $700 each year on holiday gifts, much more than that according to some observers.

Practical Ways to Save at the Pump
You can't do much about gas prices, but you can still save at the pump. Not a bundle of money, but perhaps two or three dollars per fill up. While this may not sound like a lot of money it does add up to as much as $200 per year or more, depending on your driving habits. Who doesn't want to save at the pump? You know that you do.

Rising Interest Rates Can Work to Your Advantage
The news is filled with stories about people having difficulty making payments on their mortgages in the face of steady increases in interest rates. What was once a fabulous deal for them has quickly turned into an albatross, something that could threaten their financial viability.

How To Build Up Your Credit Rating
Having no previous credit history makes it hard to borrow money. Although you cannot get a line of credit now, building a line of credit is easy. All you need to do is go through these easy to follow steps and you can quickly build yourself a good credit history

How To Fight Late Charges
You paid your credit card on time, perhaps as long as one week before it was due. The next month you check your statement and see a $39 charge for a late payment. Angered, you call the credit card company and learn that the payment was credited to your account one day after it was due. Further questioning reveals an important fact: even one week is hardly enough time to get your bill processed. Fortunately, your late charge was reversed because you took one important step.

Protecting Your Assets
Most people think about protecting their assets from unforeseen circumstances, but that is as far as they go. Here is some useful information about how you can protect your assets from unforeseen circumstances.

Tax Tips for the Self Employed
A list of items to help you prepare for your next tax interview that will help your tax service representative prepare a tax return that will result in the largest allowable refund for you.

Preparing for Your Tax Interview: The 'What to Bring' Checklist
The experts at Jackson Hewitt have compiled a list of items to help you prepare for your next tax interview

Top 25 Overlooked Tax Deductions
You wouldn't believe the number of deductions that are overlooked each year, by taxpayers just like you.



Additional Personal Finance Information

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