Beginner’s guide - 2/2 - One Cent At A Time

Deep Financial Impact of Common Traffic Violation

April 13, 2015 4 Comments

Regular readers will know that we bought our first home in August 2014. Immediately after getting the keys, I started with the interior painting. It did save cost and also I learned a new skill. I was happy. But, the happiness was short-lived, one evening while returning to our apartment after painting job, I got a traffic ticket. I was doing a 55 on a 40 MPH road. That it was a speed trap was well known but still I wasn’t concentrating on my speed. A momentary loss of concentration cost us $158.

Financial Impacts From Traffic Tickets

$158 is the cheapest cost I paid. Had I neglected, I’d have ended up paying a lot more. There is some cost of moving violation that is not very well-known to all. So, this blog is dedicated to educating people on the various cost of traffic tickets.

Do You Know Everything about Financial Freedom?

March 2, 2015 Leave a Comment

Financial Freedom is, to me, a state where in you stop working for someone else, to live. Your savings and investments would sustain you and your family. Of course, if you consider the work you are doing is a slavery and you need to stop to enjoy life to fullest, then it makes sense to achieve freedom. Not everyone thinks that way though. I am, for example, in a typical situation where I don’t feel I am obligated to work. I work because I like to work. So financial freedom actually doesn’t exist for me. But I have some aspiration, wishes and some bucket lists to fulfill. So, I need to earn/save enough money to meet my goals, so I save and so I follow the path to financial freedom, even though I don’t actually need a freedom. Enjoy this guest post from my friend Peter, who is an avid blogger himself!

Financial Freedom

For majority of young adults, the most common New Year resolution is to earn financial freedom. Unfortunately they fail to achieve what they set up as a goal on the New Year day. This is because; they have vague idea about what financial freedom is all about. For most of us, financial freedom means having enough of money that enables us to spend on whatever we want. While earning a lot of income and enjoying control over expenses are important financial objectives but those cannot be a true definition of financial freedom.

11 Quick Fire Financial Advise For Young Ones Starting Their Independent Life

January 26, 2015 8 Comments

Imagine a 20 something just starting their work life after finishing college education. He/she would have loads of student loan to repay, a successful career to start, tons of financial decisions to make and lots of dreams to live for. Well, everything would become smooth and easy if they follow the below guidelines.

Financial success for young

Remember how you achieved the academic success? I am sure it’ was due to your intellectualism and hard work. Guess what? Financial success can be achieved by exactly those two qualities you possess. Having success is a mind game, a game you play against yourself.

Why New Year’s Financial Resolutions are hard to Keep

January 22, 2015 4 Comments

How often you find your financial plans difficult to adhere to? Few of us make a resolution when we start the year but very few can keep up to the plans. Same as our budgets, financial plans are also very hard to keep up with. I admit I failed miserably every time I set up a financial plan. The only way that works for me is to have automatic payments routed to retirement and other targeted accounts before money comes to my checking account. Dr. Pete Sulack is an expert in this field, I am glad to present a guest post from him today. Enjoy the post!

Financial Resolution

There is no question that your finances can be a source of stress no matter how much or little of it you have. Each year, you sit down and make your New Year’s resolutions – vows to save more money, give more to charity, or finally start to get serious about planning for retirement. By February, it’s dark and cold outside and they are running commercials for that island vacation or new sports car, and the reality sets in about how hard it might be to keep tabs on your personal finances after all. When we know what needs to be done but don’t have discipline, we often think less of ourselves and find it hard to establish a goal-nurturing environment.

Finding the Positive Side in Bad Financial Situations

March 11, 2014 2 Comments

People with corporate jobs are more theoretical. We try to energize workforce with theories of productivity, we try to form tomorrow’s leaders with theories of leadership. One of the top leadership theories is “failures are stepping-stones to success”. It does apply to everything we do in our daily life., finances included. The only thing good about failures is the lessons we learn from them. Make your financial set backs a great learning and don’t repeat the same mistake again. Enjoy this guest post from Natalie.

I like to think of myself as a pretty positive person. I like to count my blessings. I like to say my good affirmations at least once a day. I really try to associate myself with other upbeat people that have good attitude. All these things have been known to contribute to better moods and improved self-worth but sometimes life really knocks us down. These are the situations that challenge us the most. When it comes to finances, it hits you hard!

How to Get your Personal Finance in Order, in a Day?

August 26, 2013 7 Comments

Personal finance is not a rocket science, rather personal finance is one of the most simplistic application of rules, based on human needs. Which runs on a basic principle of spending lesser than the earning, to take care for the retirement days, when earning stops. Rightly so, getting personal finance in order is also not a very difficult state to achieve, however chaotic it currently is in.

Whatever decision you made so far, whether it is contributing in 401(k), spending too much on a credit card or buying that sock which only lost its value since you have bought it. All that can be reverted, and yes, within a day.

Investment Options for Recent College Graduates With a Job

June 14, 2013 8 Comments

Are you a recent college graduate? Do you already have a job? Well congratulations! There aren’t too many people that can answer yes to both of those questions these days. By earning your degree and finding a job after college, you are already one step ahead of most of the field (that is, unless your job is at the burger joint that you worked at in high school).

Let’s talk about something important for your future life, investment, for your retirement. If you are not a recent college graduate, that is OK, you must be knowing someone who just joined the work force after graduating. Pass on this information please.

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