Financial Ramble

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Unemployment is a real part of daily life and, contrary to popular belief, is not showing signs of slowing down. The reality is that unemployment will continue to rise beyond 2010. We have not begun to see the worst of this recession and unemployment. The industries that will be getting hit is interesting according to the article because some have been job solid since their beginnings.

This is an eye-opening revelation of what is to come and proves we must prepare for the worse.

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Posted By: signals - Category: No Category

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Bargain Shopping

June 13th 2009 14:01

In a recession people usually do without certain things. But people don't have to do without but rather just not live beyond their means. In a recession the bargains are out there, you just have to know where to look and do your homework.

There are bargains online if you look!

Dollar Stores do have bargains but you need to know where to look, otherwise you may spend more on products than other stores. I buy toothpaste,cleaning products, aspirin and a few other things.

In the United States we never try to negotiate a marked price. Perhaps we should learn how and when to haggle a price or a deal!

Why am I still paying for toothpaste and other things?

Sometimes it pays to comparison shop for deals that may be of interest.

With all this hype over selling your gold and jewelery, people are getting outrageous deals on those items alone. My personal advice is to buy gold, not sell it. The money you save on items through coupons, deals, or haggling should be put in a savings. I know this is easier said than done, but at least try!

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Posted By: signals - Category: No Category

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Managing Cash

May 26th 2009 23:02

In order to manage cash, the experts agree that you need to have a budget and a savings. You can't live from paycheck-to-paycheck indefinitely. You also shouldn't live beyond your means. There are low-tech ways to manage cash. Meaning writing it down, saving receipts, cash or not evaluation, and comparison shopping.

I see people throw away money everyday on vices and stupid decisions. Those who believe they'll retire by winning the lottery, well good luck! Nothing really wrong with vices if you can control them and your money. But when a vice comes before food, rent/mortgage, bills, necessities, savings, etc., then it is a problem. I used gambling because almost everyone I know gambles. There are other vices. I would spend over $25 a day if I still smoked today. Ironically, I'm betting I'd still be alive!

Then there are the stupid decisions. A guy I work with buys a yogurt and a fruit cup with a Mountain Dew. At an airport with an employee discount it runs him $8. At a store a mile down the road, the same items would be $4. Multiply the figures by 5X a week. Look a year by multiplying the answer by 52 weeks a year. I won't get into the lunch aspect which would be cheaper bringing your own.

Here is a great comparative shopping site. Don't forget the bargains!

You should take advantage of getting an annual credit report.

Here's a site that can actually help you enjoy life and save money. I was so impressed I ordered the book!

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Posted By: signals - Category: No Category

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Sell It For FREE!

May 4th 2009 23:55

I just heard of this site that allows you to sell things for free. Check out upillar.com that claims to allow you to do just that. This would be a garage sale online enthusiasts' dream come true. If you check it out, please let me know about any pros and cons, as I will also test the waters!

Too good to be true? You decide. Worth checking out nevertheless as an extra source of income. Remember to always charge for shipping and handling...hint*hint

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Posted By: signals - Category: No Category

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Cutting Food Costs and More!

April 27th 2009 23:16

Believe it or not, there are still rich people living high off the hog in today's money strap world. Then there are those of us who live paycheck to paycheck. This comes from the habit of living beyond our means. Now living beyond our means isn't always a bad thing. If I have to pay more to live in a low crime neighborhood, it is a sacrifice I'm willing to make. That's just an example, but sometimes you need peace of mind and what is that worth?

Living beyond your means to 'keep up with the Joneses' is just insane. I have seen some people lose everything trying to keep-up with their neighbors. I understand that we are all different and our situations are different. Myself, I have learned my lesson in life when it comes to money and why you need to budget it to meet your needs. I offer no magic solutions, but just suggestions that might help you out of a jam

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Posted By: signals - Category: No Category

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The ATM of Information

March 21st 2009 22:50

Money investing involves risks and has been the cornerstone of success and failure for one's finance. With the current Madoff Scandal in the headlines, one has to wonder who is really watching over our money and nest egg? The truth is that each individual should watch over their own personal finance. Rules may change for married couples and those with families, but the rule of thumb is to never count your eggs before they hatch.

Since I haven't been writing as often as I woulds like here, I will give out a variety of information on money that may be useful to you. This is, after all, an ATM of information

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Posted By: signals - Category: No Category

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If You Can Make It There...

February 21st 2009 16:41

New York City is perhaps one of the most expensive places to live in the USA. They say that "If you can make it there, you can make it anywhere!" Now if this is true maybe we can learn some ways to financially make it anywhere. Here's someone who lives on what she earns and can even save some money along the way!

Since I don't live in NYC, I can trim the fat further with things I do already. II brown bag my meals to work, meaning breakfast, lunch and snacks, plus my drinks. On occasion I will buy a meal or a coffee. I do have a savings account that I have no ATM access to and I try to save at least $50 a month for emergencies. Entertainment and clothing have been a big cutback for me. My cellphone is pay as you go. My internet is cheap since I still use the telephone....although I may update soon. For food, I use coupons and save on gas at some grocery stores. I do the bulk of my grocery shopping at one grocery store, but I go to others for the cheaper items

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Posted By: signals - Category: No Category

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Budgeting Your Money

February 14th 2009 19:31

If you're looking for sites to help you budget your money, then this article will show the 6 best ones. A couple I have mentioned in another article, but there are some new ones. They are all useful but a couple charge a small fee.

Mint.com is a really good one. Geezeo is a useful resource as is Wasabe which I talked about before. There is also Budget Tracker that is a useful tool. Budget Pulse is also worth a try. Buxfer is good for group budgeting

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Posted By: signals - Category: No Category

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Personal Debt...Part 1

February 6th 2009 20:37

On January 15, I was involved in an auto accident on a freeway. Lucky everyone was OK and always buckle your seat-belt. The airbags were also lifesavers in that all parties walked away from what would seem like there were casualties involved due to the damaged vehicles. Lucky there is always mandatory insurance in my State, or the lawsuits, if any, would be aimed at you. Hospital bills, too!

The thing is that my car, even though it was 13 years old, was a reliable mode of transportation. I couldn't be without a car, so although I had been debt-free for 5 years, I had to look for a reliable vehicle. Yes, I can become a green-energy user by riding a bike or walking, but my job is 6 miles away and you can't bike in the blizzard

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Posted By: signals - Category: No Category

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New Year Finances

December 25th 2008 15:16

Regardless of all the negative news about the economy, I tend to see the light at the end of the tunnel. No, it isn't a train heading for me, but rather that of a recovering economy. I was able to adjust to the economy because I am able to live a simpler life and adjust my spending. I still have my job, but prepared for the worst if it were to happen.

What would be a good way to make money in this ailing economy? If you have money to lend you can help a peer and get interest. I'm thinking tax-season and charging less than the get-your-money-now schemes to friends who do it every year. Some pay over $300 to get their quick cash, I'll charge less! It would be wise to have a contract of some kind

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Posted By: signals - Category: No Category

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June 2009

2 Posts

May 2009

2 Posts

April 2009

1 Posts