Finance Tips - One Cent At A Time

How To Become Financially More Secure in The New Year

December 23, 2015 3 Comments

The new year is here, make your personal finance one of your new year’s resolution. Resolute to make your finances better this year. If you’re wondering how, this article might help you. You may be already financially very secure, but it can be more secure. On the other hand, if you’re already struggling with your finances then there are plenty you can do this year.

How to Become Financially Secure

Being financially secure is a goal most of us would like to achieve. Having debts that we need to pay back, bills that are due, and savings that are small can make our future seem a little unstable, and this, in turn, can cause some unwanted extra stress. To help you out, there are a few things that you can do in this coming year that will help you to be more financially secure, and they are listed below.

Money Saving Tips from Legendary Coach John Wooden

June 17, 2015 Leave a Comment

I have always admired legendary basketball coach John Wooden. However, the older I get, the more I look up to Wooden for his contributions off the basketball court. He was an amazing person: hardworking, charitable, gracious, wise.

Money Saving Tips from Legendary Coach John Wooden

He was also frugal, living simply in the same modest Encino condo until his death in 2010. He has inspired me to find joy in the simple things in life that don’t cost much money: a beautiful sunrise, a hot mug of tea, a good book, the happy thump of my dog’s tail against the carpet.

What is Your Financial Goal?

July 1, 2013 16 Comments

I am not very fond of goals in my work life. I set goals because it’s required as per our performance review process. In my financial life, I do not have any such requirement, here it is my territory where I have all the control. Naturally, I don’t set goals in my personal financial life. But, that’s the way I am. Most of the people I know have financial goals in life.

Which is unlikely given that most of the Americans do not have any goals in financial life. More than 80% of Americans do not follow a strict budget either.

Getting your Finances under Control in 2013

March 27, 2013 12 Comments

If 2012 was a hard financial year for you, you might be wondering if the outlook for 2013 is any brighter. The worst thing you can do however is get in a slump and force yourself into a rut that you can’t get out of. And, if 2012 had been a bright year for you, you must have home worked on the strategies that worked. You must now think about polishing them further and getting sweeter rewards in 2013.

You need to take decisive action to get all aspects of your finances under control and you need to be able to prioritize appropriately in order to ensure that you are getting to the point where you want to be financially at your own pace.

How To Make Financial Decisions after Graduating Without a Job

November 5, 2012 8 Comments

Huffington post says that half of recent college graduates are without a full-time job, its scary! When talking about college concerns about money is never far behind. You have spent thousands of dollars and probably owe thousands more. When you are finally out of college one of the most important decisions that you are going to make is to sort and take control of your finances.

If you start to be financially responsible now even without a job you are also starting a habit that will surely benefit you in the future. You can refer to my earlier post about earning money in college and Saving money while in college.

Bad Financial Habits That You Might Be Not Aware Of

March 23, 2012 12 Comments

For some people, bankruptcy is for certain. If you are one of them, those overly secure of the thought that they have a regular source of handsome income, so they just keep on spending without keeping track of their expenses.

You’re sure to keep falling off the financial ladder… if you continue spending more than you earn, mindlessly making purchases more than you can actually afford. You absolutely don’t have a shot at getting rich… if you keep making saving a chore for tomorrow, always thinking that you’d always have money to expect anyway.

There are a number of bad financial habits and ways of thinking that have driven lots of people into the depths of financial ruin. Some of them seem too harmless that you wouldn’t even realize how much it could lead to your economic demise. This article is written to give you a heads up on these habits and pull you up before you reach that depressing pit called “bankruptcy”.

How I Track My Net Worth, What I Look In It

January 13, 2012 24 Comments

Since I blog about personal finance, naturally you would be interested in my financial progress. In this post I’ll mention about this progress and the growth rate of my net-worth value over the last 12 months. I never talk about my income publicly and probably will never do it, so I am not revealing the absolute number.

I will only be limited to the growth of my net worth in percentage term. Let me clarify first that I am not wealthy by any means, am rather, a common man. As I said often, I am not a financial expert; I am just a ‘guy next door’.

I blog and give friendly advises because that helps in my education and blogging let me manage my own finances better. This blog is my way of learning personal finance effectively with a hope that you learn a thing or two in the process as well.

Year End Personal Financial Checklist

November 23, 2011 18 Comments

Before I start writing my wisdom on financial planning here, let me explain that, until now, I didn’t do anything as fancy as checking off a year-end personal finance checklist – a list of what I didn’t do and can still do before the tax year ends.

Suddenly the idea crossed my mind and I decided to do some research. As I made multiple lists, I realized I’m definitely not financially perfect and have my own fair share of mistakes, and that this blog is a way to become more self aware and make informed decisions.

A lot of good things have happened since I started blogging. I opened a second checking account and reallocated my portfolio. While the reallocation part is definitely positive, it took some time to analyze the rate of return on my stock and bond funds as well as individual stocks. Whether the reallocation is going to benefit me is not yet known.

What Is a Money Coach – Do You Need One?

November 11, 2011 24 Comments

This is a guest post at One Cent at a Time from David Bakke, who writes about important personal finance issues on Money Crashers, a financial resource that helps you better manage and grow your money.

Many aspects of today’s world pose challenges that, for many, require the enlistment of a specialist to offer expertise, guidance, and assurance. Like life coaching and career coaching, money coaching is an industry that has blossomed from such modern needs.

Personal Finance Basic, Finding Balance Between Earning and Spending

October 24, 2011 17 Comments

This is a guest post by Ashley from Everything Finance, a fellow yakezie blog. Everything Finance is a site about just that, everything related to finance. You can get information about investing, saving money, shopping, blogging, and making money online. If you like what you see here, make sure to stop by or better yet subscribe to their feed so you don’t miss a thing.

With budgets becoming more strained as economic times become more stressful everyone from your neighbor down the street to your favorite corporation is doing one of 2 things and they are increasing earnings or cutting cost.

Generally it is much easier to cut cost than it is to increase earning so many people automatically gravitate to that method, but the way to handle things is to find a balance between both of these methods. It is always a good time to increase your earnings, and I am sure that we all have some fat that we could trim to make our finances leaner and meaner to help us achieve our goals.

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