One Cent At A Time

A Personal finance blog for saving money and earning more and thus having a better life

Archives for November 2014

Should You Marry Someone with Excessive Debt?

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When Doug’s agent contacted me for a guest blog article, I thought of a hard topic for someone who writes for Huffington post. What better financial topic can be about marriage than this one? Enjoy this informative post! Happy Thanks Giving and enjoy your holidays

Marriage

You’ve finally met Mr. or Miss Right, and the conversation has turned toward marriage — but there’s a problem. Your hesitation has nothing to do with your partner’s personality or their family. Your concern is that your potential spouse is deep in debt.

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10 Easy Tips to Stay Frugal in Your Life

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You don’t have to clip coupons every day and skip your morning coffee most of the time to save money and remain frugal. There are easier and far more effective ways that can keep you frugal for your life time. You just need to make a habit for the things or just make it a practice and automatically these acts will be a part of you and your family. You’ll realize one day that frugality is your way.

Stay Frugal

In reality, being frugal is what we need to embrace these days. We are in this era where spending overpowers earning. Having said that, it is high time for us to develop the frugal mindset so we can better manage our finances. Whether you are earning much or earning low, it’s but wise to be frugal in many aspects.

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How to Make A Five-Figure Income From Peer to Peer Lending

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The Federal Reserve seems to have won its war against interest rates at the expense of investor returns. If you are saving for retirement in relatively safe corporate bonds, you’re lucky to be breaking even after inflation. Stocks have done well over the last five years but you’ll be lucky to see the 7% average annual return going forward, and that is if you can avoid the next market crash.

Investing in peer lending

There are increasingly few investments these days that provide the necessary return for investors to meet their income goals in retirement.

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Property Ownership Doesn’t Need To Be Taxing: How To Maximize On Deductions

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This is a guest contribution from Tyler Cooper , he has been building and managing a portfolio of buy to let properties for over 7 years now. He enjoys sharing his insights and ideas online through blogging. This post is suited for our UK audiences, who are property owners or going to be one soon. 

House ownership taxes

Owning a property opens up a whole range of sometimes complex tax issues but it is not all bad news and there are several ways of making property investment as tax-efficient as possible.

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How to Breathe New Life into Your Resume

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When did you last edit your resume? I admit I haven’t done it in last one year. I think that’s the case with many of us. Unless we are actively looking for a job, we don’t spend time on our resumes. If you are one such person, this guest is for you. When this post was offered to me, I took the chance and gave blogging a break. Let me update my resume while you enjoy the post!

New Life in your resume

Most people don’t give their resumes a second thought until a job loss or a career change. While these are the most obvious reasons to get a resume up to speed, there are other situations that apply, even if you aren’t currently looking for a new position.

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Should You Use Life Insurance As an Investment?

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Have you ever thought about having a life insurance policy as an investment vehicle? I am talking about whole-life insurance policy, not the term insurance. A life insurance policy may be a good investment from diversification perspective. Let’s find out how a life insurance policy can be an important factor in securing your financial future and that of your family.

Life Insurance

I don’t have a whole or a term life insurance. I have employer-provided group life insurance. I am insured for 8 times my gross income per year. I pay $12 per pay check (bi-weekly) as insurance premium, that hardly dents in to our financial health. I know if I stay alive, this money is simply draining out. To provide to your family you go out dining and watch movies, you go on vacation. I consider this insurance premium as another expense towards family’s well-being.

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Why a SIPP Might Be the Smartest Way to Save

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This is a guest post from one of our UK readers Martin. He talks about SIPP, which is equivalent to IRA and Roth in the US. You get tax advantage to contribute to the pension plan provided you delay the withdrawal. Like IRA’s, you’ll get complete freedom in choosing the investment vehicles for your retirement saving. Enjoy the reading!

Enjoying Retirement

Whether you’re thirty-five or fifty-five, it’s essential to spare some time every now and then to think about your retirement plans. If you want to have more than the state pension provides – and this is certainly advised – it’s essential that you start saving for your old age from as early as you possibly can.

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Financial Planning When You are 20 Something

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This is first post in the Financial Planning series, over the weeks we will help plan for finances across different age groups. I am starting with an age which sees maximum changes in your life. From college to job, from being single to be in a relationship, from dorm to your first home, and, from student loan to mortgage.

Young Adults

This is also the most challenging time for your finances. First getting a job for living. Then, you start paying off student loans, while using your credit cards and probably also looking for a new home. This is most challenging more so because you are almost inexperienced at managing your finances. Since personal finances are not taught at schools, most in their 20s simply don’t have a financial plan.

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