Two critical factors for improving your personal finances are debt management and your use of credit. Unfortunately, many consumers don’t get proper training in personal finance issues in school. When you were younger, you didn’t realize how important money would be in your life. You were taught tricky algebra problems, the geography of rocks and […]
No Good With Money? Here’s What To Do
in Personal Finance/by Kenneth W. BoydNo one is good at everything. For many people, managing money is a struggle- but you can improve that skill, just like any other learned skill.
Is Getting Rid Of Your Car Really The Best Way To Cut Back On Your Finances?
in Personal Finance/by Kenneth W. BoydCutting back on your expenses is a way to improve your personal finances, but you should consider other factors, such as spending alternatives and the impact on your lifestyle. When is a cutback on spending too much?
There Is Always A Way Out of Debt
in Personal Finance/by Kenneth W. BoydThere’s a reason why they say they living with debt is one of the most stressful living conditions there is. It’s all consuming. You wake up, and you’re thinking about debt. You go to sleep, and you’re thinking about debt. It feels like a black hole from which you cannot- and will not- escape.
Low Risk Options For First Time Investors
in Personal Finance/by Kenneth W. BoydHow much investing risk can you live with? Every investor needs to answer this question for themselves, because the answer will have a big impact the investments you select, and on your personal finances.
Debt Dilemmas and Credit Catastrophes: Pushing Through the Hard Hits
in Personal Finance/by Kenneth W. BoydTwo critical factors for improving your personal finances are debt management and your use of credit. Unfortunately, many consumers don’t get proper training in personal finance issues in school. When you were younger, you didn’t realize how important money would be in your life. You were taught tricky algebra problems, the geography of rocks and […]
4 Things You Shouldn’t Try To Save Money On
in Personal Finance/by Kenneth W. BoydSaving money where you can is a smart decision for your personal finances, but some purchases require you to spend more money- and for good reason. When you’re living paycheck to paycheck, cutting down costs and saving money where you can is a sensible decision. In fact, it’s an idea often recommended to people who […]
Taking The First Step Toward Financial Stability
in Personal Finance/by Kenneth W. BoydFinancial freedom is often described as having both the time and the money to live life on your terms, and freedom over your personal finances can have several definitions: The ability to pay for an emergency using a savings account balance. If you’re considering a job change, financial freedom allows you to take time off […]
How To Be Smart Every Time You Spend
in Personal Finance/by Kenneth W. BoydBefore you take out your debit or credit card… Stop. Think carefully about your spending choices, and you can make huge improvements in your personal finances. We’ve all heard the sayings:
5 Tips For Taking Out Your First Mortgage
in Mortgages and Loans/by Kenneth W. BoydNearly all first-time homebuyers must take out a mortgage to buy that first home, and the process can be frustrating. Applying for a mortgage is no easy task and lenders may reject you, if they decide that you can’t make your mortgage payments on time. There are many variables that a lender will consider, […]
4 Persistent Myths About Business Finance Busted Wide Open
in Personal Finance/by Kenneth W. BoydGoing into business for yourself can be incredibly liberating. If you’ve spent years working for someone else, the prospect of being your own boss can be incredibly appealing. You’ll have the ability to choose your clients, the type of work you do, and the prices you charge. Owning your own business can also have a […]