Remember getting your first credit card? Super excited as you open the envelop and think about all the things you can now get. Looking at the balance on your statement, doesn’t look so great now – right?
What would your life look like if you didn’t have any credit card payments? If you had a pile of money saved up in the bank? If you owned your stuff instead of it owning you?
I’ve got some strategies on how to pay off your credit card debt fast.
How big is yours?
What are you thinking? I’m asking how big is your paycheck is.
Now that I have your attention my next question is: what is money? It’s a question we are never asked because we think we know. But do we?
You use it every day. You die for it. You kill for it. Surely you know what it is!
With so many demands on our time, I’m sure you want Quick Ways to improve Your Finances.. We all know demands on our time is one of the biggest challenge to achieving our money goals. Set aside a few minutes to complete these small tasks that can lead to big financial results. Some of them are very quick wins, some of them may take a little bit of time – but all of them are very worthwhile.
So today I want to share some quick ways to improve your finances in the spare moments of your day. Your financial situation won’t change overnight. You’ll find yourself more knowledgeable about finances. And better at money management over time.
You may come away surprised at how much you can do by tackling your finances in 15 minutes a day.
If you can’t think reasons why you need an emergency fund, think again. No matter how prepared you are, life has a way of throwing curve balls that you never expect.
When they are things we like, we call them serendipitous, surprises, gifts…
When they are things we don’t like we call them disasters, emergencies, lessons…
Here’s a terrifying statistic.
In the developed world, it’s estimated that 63% of households could not come up with the equivalent of US$1,000, £800 pounds, R10,000, €800 in the event of a real emergency.
And in case you are sitting there thinking you have it all covered, here are some unexpected reasons to have an emergency fund.
Have you ever done a money saving challenge before?
They are pretty fun. Don’t stress.
Alright, I am just going to say it. Saving money is VERY difficult when you are on a low, fixed income. And then…the bills…
Don’t get me started on the bills.
When you hear others say it doesn’t matter how much you make to be able to save money, you probably feel pretty cruddy. How much you make can definitely effect how much you are able to save.
Have you ever started off the month with the best of intentions to save money? Buying only what you need, steering clear of the sales displays, and trying to watch your spending? And then, despite your best efforts, it seems to happen. Before you know it, you’ve spent more money than you wanted to. Don’t beat yourself up, it happens to many of us. Here are some tips on how to stop spending money.
There are many reasons why we overspend. It could be because we aren’t aware of our true spending habits. Or we are guesstimating our income, expenses, debt payments and spending incorrectly. Then in the end our bank account balance dips lower than what we expect. Whatever the reason, are you ready to take control of your finances?