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One Cent At A Time

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4 Ways to Add Money to Your Emergency Fund Fast

October 5, 2020 3 Comments

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COVID-19 has shown all of us the importance of an emergency fund. Most people operate on the “it probably won’t happen to me” philosophy; until it happens to them. The fact is, a major life-changing (or threatening) event can happen to anyone at any time, and pretending like it can’t is a good way to set yourself up for maximum damage when it does occur.

4 Ways to Add Money to Your Emergency Fund Fast

Many Americans have less than $1,000 in their savings account—hardly enough to subsist on should they be out of work for several months. An emergency fund should consist of about 3-6 months’ worth of expenses, or so the experts say.

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How to Shake Those Bad Money Habits So You Can Meet Your Financial Goals

September 1, 2020 2 Comments

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Bad money habits plague so many of us, and it’s not hard to see why. In a world where four out of five people live paycheck to paycheck, it’s easy to spend more than you can afford.

How to Shake Those Bad Money Habits So You Can Meet Your Financial Goals

The negative beliefs you carry about money from childhood play a role in how your spending habits have developed, too — as does the dopamine thrill you get when you make a new purchase.

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Underrated Tips to Improve Your Financial Health

December 27, 2018 Leave a Comment

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While everyone wishes they had a perfect financial situation, this is unfortunately rarely the case. In fact, numbers show that well under 50% of Americans have enough in savings to cover even a $1,000 emergency. However, saving money isn’t the only financial issue that people experience. Many spend too much on things they don’t need or simply don’t know where their money goes every month. 

Improve Financial Health

 

With that in mind, this blog post is going to look at a few underrated tips to improving your financial health and situation.

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3 Valuable Daily Practices For Financial Success

July 25, 2018 2 Comments

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Your future is determined by your daily habits. So if you want an abundant financial future, look no further than your next 24 hours. Because a few wise decisions made daily can lead to significant gains over the course of your life. Are you struggling financially? Are things not working out as you expected? Look no further than you. Think about your daily routine.

Daily practices for financial success

The gain in productivity is not a day’s job. You build up practices and rituals that eventually take you towards your goal. Plam is the design, practice is the method and discipline is the most essential ingredient. You should follow certain practices daily for your financial success.

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Personal Finance for College Students

December 30, 2017 Leave a Comment

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College life comes with hard lessons on personal finance, especially for the students who do not plan their finances properly. They often find themselves in debt, broke and unable to cope with college life.

Personal Finance for College Students

Thus, you need a plan to succeed in college. As a student, there are few tips you can adapt to line up your finances and stay afloat financially whilst in college.

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What is Emergency Fund, Do I Need One?

August 7, 2017 5 Comments

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What is emergency fund? Why is such a fund needed? How can I save money for emergency? And, most important question, Do I need an emergency fund?

Let us try to find answers to all these questions.

What is emergency fund, Do I need an emergency fund

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10 Habits of Financially Stable People

April 9, 2017 16 Comments

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Just like any other goal, financial success requires the practice of good financial habits. If you want to finally eliminate debt, increase your personal savings, and achieve financial security for yourself and your family, you need to take a good look at your current spending. Assess which ones are truly necessary, and start making changes to the way you budget and spend your money.

10 Habits of Financially Stable Person

To me, being financially stable and having a lot of money are not synonymous. You may have a large income but, it doesn’t always mean you’re financially stable. Financial stability ensures that you are capable enough to hold on to the wealth, even during difficult times. So, irrespective of your financial situation, you should strive to become financially stable and develop the habits of a financially stable person.

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4 Personal Finance Facts We Constantly Get Wrong

March 8, 2017 3 Comments

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First of all, check out this quotation:

“It ain’t what you don’t know that gets you into trouble. It’s what you know for sure that just ain’t so.” – Mark Twain

Now, let me ask you this…How do you identify the things you know for sure that just ain’t so?

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7 Smart Money Moves for Any Age

April 4, 2016 2 Comments

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When it comes to money, making more of it does not necessarily mean you have more to spend. Even people bringing in six or seven-figure incomes can run into financial problems if they don’t have basic budgeting management skills in place. The way you spend and save money on an everyday basis impacts your overall financial health, both in the short- and long-term.

Not sure where to begin? Take a look at seven ways to get your finances in better shape.

1.    Pay Off High-Interest Items

If you have high-interest credit card debt, now is the time to pay it off (and not rack any more up). In late 2015, the Federal Reserve announced the first rate hike in over a decade. Several more are expected over the next few years and this interest could add up quickly, depending on your balance.

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How to Motivate Yourself to Go Over Your Finances Regularly

March 21, 2016 4 Comments

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There are two kinds of people, one who manage their finances and the other who do not have any clue about their finances. Even those who manage their finances are not very regular. One excuse – “I have no time to go over my finances, regularly”. In this post, I’ll discuss steps that can help you to get motivated to go over your finances, regularly. Checking on your financial health periodically is an essential aspect of managing your personal finance.

Personal Finance

Are you ever bored with your finances? Honestly, who really wants to review their saving and spending every month (aside from us personal finance nerds that do it weekly, just for fun)? For many, tracking income and expenses is on the same excitement level as paying bills. However, if you go about it the right way, tracking your money can actually be kind of fun for almost anybody.

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