One Cent At A Time

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

Archives for November 2016

Streamline Your Student Loan Repayment

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Whether you are about to graduate, just graduated, or have been making student loan payments for a while now, it’s important to be aware of the many options you have to streamline the way you make your monthly payments. These days there are so many options other than the standard ten-year repayment plan.

Streamline Your Student Loan Repayment

More people than ever are refinancing or consolidating their loans to both simplify their payments and save money. And the increased availability of income-based repayment plan options means that nearly everyone with student loans can adjust their monthly payment amounts to correlate with their income and make their payments more affordable.

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7 Strategies for Investing in International Real Estate

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Investing in the international real estate can be as risky as it is profitable. Unlike other types of investments, it generally requires a higher initial investment, as well as more research. However, it can be immensely profitable as well. There are many strategies you can employ to guide you through this process.

7 Strategies for Investing in International Real Estate

There are certain concerns that apply to all real estate investments, but international real estate comes with its set of unique challenges and opportunities. The strategies described here, factor in several criteria. Some are riskier than others, but at the same time hold the promise of higher return on investment.

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10 Essential Things in a Good Resume

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The main objective of writing your resume is to clearly present yourself and promote your accomplishments. In addition to this, it is crucial to showcase your fit for the position you are applying for.

10 Essential Things in a Good Resume

Generally, employers look for a candidate who does not solely possess hard or technical skills to perform the job advertised. Take into consideration that soft skills also play a pivotal role for you to be hired. Soft skills are known to be transferable from one workplace to another and are usually what makes an employee a great asset to the firm.

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How to Make Money with Freelance Writing

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Just like other types of jobs, freelance writing is not a cakewalk. In truth, being a professional paid writer is not something that you can just sit down in one corner and write specific word counts about a topic given to you. However, the good news is that this is obtainable and you can certainly make money in no time.

How to Make Money with Freelance Writing

For a fact, there are a number of methods to get paid for your writing. Perhaps, you will make enough to make writing a profitable side hustle and probably you may also consider it as your full-time job especially if you love to write. For sure, you will delight in working with something that you highly regard as your passion.

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10 Financial Myths About Timeshares

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There is a lot of misinformation flying around about timeshare that can get you into a lot of financial trouble if you believe it. Most of it come from timeshare salespeople overstating the truth that get repeated when people explain why they purchased a timeshare.

But just because something has been repeated many times doesn’t make it the truth. The following timeshare myths may help you avoid running into timeshare trouble in the future. Consider each one carefully before putting your hard-earned money down to purchase a vacation property.

Recently, a young couple from my work visited Orlando and they were trapped into buying a timeshare there, in exchange for two free tickets to theme parks.

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Need for an Insurance Agent

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Most people find it necessary to look for an insurance agency for a number of reasons, whether it be moving to a new area, the accumulation of points on a driver’s license or a life event such as divorce or death in the family.

The importance of needing insurance is a topic that is no stranger to this blog and is something I have covered before, in a previous post

Most financial advisers recommend a yearly audit of insurance policies to make sure all necessary coverage is offered.

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How do Credit Cards Help Improve and Maintain Your Credit Score?

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This post is dedicated to my Indian readers. As the government takes a landmark decision for demonetizing the existing Rs. 500 and Rs. 1000 bank notes, while leaving the use of plastic money unaffected, it is sure to affect the way people look at plastic money. Clearly, the decision will have a lesser impact on people who already use credit cards and debit cards while greatly affecting those who rely heavily on cash.

Credit Cards Help Improve Credit Score

Though the use of credit and debit cards has increased in the last few years, a majority of Indians still prefer to transact in cash. While most of the people do not like the idea of using credit cards due to a fear of overspending, some of them shy away as they believe it would have an adverse effect on their credit history and bring down their credit score.

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8 Tips For Selling an Unwanted Timeshare

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For years, timeshare properties have deemed an excellent vacation ownership opportunity for those who can travel every year. The ability to exchange owned weeks in for other weeks at affluent resorts in idyllic locations globally is also a huge perk which captivates countless of people into joining the timeshare community.

8 Tips for Selling a Timeshare

Be that as it may, if you are an owner and have found that you can’t afford your timeshare fees anymore, or if you feel that you don’t use it as much as you thought you would, then you might want to consider selling your timeshare by means of advertising it yourself, or by using a third-party company.

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30 Ways to Reuse Your Old Clothes

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Reuse and re-purpose is an essential way towards frugal living. Giving a different causing to things that ended their utility not only does save money but also it helps environment by reducing waste and landfill. We but clothes every other months, most Americans do. So, naturally we have a constant supply of clothes that becomes outdated and unwearable regularly. All those clothes are eligible to be re-purposed.

Reuse Clothes

In this article we will tell you various uses of your old clothes, don’t worry if you find one not suitable in your case, you’ll find others that you can surely do. I am not asking you to stop throwing out your clothes and re-purpose every one of them. Unless you have a lot of time to do cuts, stitches and coloring not every one of your old clothes can be re used. But you can use some of them that are easy to do and take less time to convert and reuse.

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