There are a lot of ways to save money, one way are blogs. There are a ton of blogs out there. I even came across a carinsurancelist blog . Which is kind of funny since we ever use one of our cars. However my wife wants to keep it on the road in case our main car breaks down. So a friend of ours recommended we call our insurance provider to get some new low rate. Sure enough- they lowered our rate because we rarely drive it. They do however want to know how far we drive, which isn’t very much at all. I think it’s like 50 miles a month, if that. I would recommend that everyone call their provider, it worked for us.

Recently, Hubby and I took a big step- he left his job to pursue his life-long dream of owning his own business.  He is very good at what he does, but things are a bit rough as we are in the beginning stages of a new business.  Since all of this is new to us we have had to look into some financial reporting software to help us keep track of our income and expenses. I can you that there’s 2 parts to running a business, doing the work is the easy part, keeping track of everything is a pain.

Times are hard financially right now for many, many people.  At one time people were able to put away part of their paycheck every week into a savings account.  We all know we should have money set aside in an emergency fund just in case something happens.  But so many are struggling to just pay their regular bills.  Maybe you fall into this category.  So, what do you do if an unusual expense comes up?  What if your car breaks down?  Or there is a medical emergency and you have to pay part of the expense?  You could get a payday loan to help you if you are in this situation.  Or you can call on family members to help.  I would recommend that you ask family first, if that fails then get a loan.

Over the years my husband has talked a lot about starting his own business.  The problem with starting a business is that it is expensive!  You need a lot of money for the start up costs.  At one time we almost started a candy shop in a mall but things did not work out and we ended up not being able to do it.  But, I learned a lot about starting a business as we worked towards started that one.

You will probably need a loan when you start your business.  Unless you are fortunate enough to have some extra money in the bank you probably don’t have the money you need.  You are also going to need to be able to take credit card payments at your new business.  Finding a good merchant processer good be a pain. 

There is a lot of information out there for you.  Be sure to research and plan very well before starting your new business!

In order to improve your credit score you have to have some credit. You need to have a credit card, and more than one is probably the best, in order to have good credit. At this point the rate doesn’t really matter, if you plan on paying it off every month. If you plan on having a balance try to get the lowest rate you can, 10 percent is good. If you are looking to get a credit card but you aren’t sure where to start your search- use the Internet, a lot of good credit cards out there, with good rates. There are also a lot of good tools out there right at your fingertips. You can find out about interest rates and the different benefits available with different credit cards, do search around.

Stocks Start Up!

The Dow and other markets are up over last year. Only time will tell if it will last on Wall Street. The price of gold is on the up and up as well. Just around every corner you can find people and businesses selling gold, and gold bullion . The real question everyone should be asking is, “will this last?” A few exprerts think it’s all going to crash again, while others think their nuts. At this point anything can still happen, the world is still very unstable. I just hope that everything turns around, and stay’s turned around.

Did you know that in a little over 6 months that Christmas will be here?  Right now I’m thinking about getting all my summer decorations out, planning for several family birthdays that are almost upon us, getting back into the swing of things with summer vacation.  But, I also realize that before I know it, Thanksgiving will be here and then shortly after that- Christmas will be here.

So in order to keep ahead of the game- you should get started on your Christmas Green shopping now.  I create a list on a spreadsheet with all of our family members names.  Then I put down the amount of money we plan to spend on each person.  I leave several spaces open on my spreadsheet to fill in what I buy and another column for how much I have spent.  I also set it up to automatically calculate the total I have spent on each person as well as the grand total that I have spent on all family members as well as other purchases such as Christmas cards, wrapping paper and decorations.  It really helps to keep things in perspective about how much I really spend for Christmas.

My first step will be creating a new spreadsheet for this year.  Then I’ll start filling in ideas and let the shopping begin!  The sooner I get started the better- and I’m sure it’s the same for you too.

…before I was a stay at home mom- I used to spend a lot of unnecessary money.  A lot.

I would go shopping every single weekend at the mall.  I’d buy clothes- jeans, pants, shirts, skirts, dresses, etc.  I’d stop at my favorite candle store and buy candles, Votive candle holders, plug in air fresheners, etc.  Then I’d stop for some lunch before heading to my favorite craft store.  I did this every single weekend.  Do you know how much money I would have in the bank if I hadn’t done that?  I don’t even want to try to figure it out.

Have you spent too much money this Christmas season?  Our economy isn’t doing very well but I still see lots of people out spending lots of money.  I know we cut back on how much we usually spend for Christmas this year in order to keep ourselves from going into debt.  We didn’t want our kids to miss out so we just cut back on what we get for each other.  But I see so many others who have been spending just like they usually do.

Are you one of those people?  If you are, then an IVA might be something you would want to look into.  IVA stands for Individual Voluntary Arrangements.  Which basically means you can work with a company like Clear Debt to figure out what will work best for you on an individual basis.  They can usually help you cut your debt (often by more than half), freeze the interest you are paying, stop the creditors who have an action against you, and even get free debt advice.

So if you found that you have spent too much money this holiday season- or just spent too much money in general- don’t give up.  There is help out there for you with a company like Clear Debt.

I know I’ve mentioned this before- but our economy is in rough shape.  I for one am glad that I am not looking to get a loan right now.  I’m pretty sure that it is a hard time to find the loan you need at an interest rate you can afford.  But, Personal Loans Mania wants to help you if you find yourself in that situation.  Maybe you are need of a loan- things do come up that can not wait for the economy to turn around.  Personal Loans Mania can provide Fast Personal Loans to those who need them.  Stop by their site and see the services they offer.  They might be able to give you the help you need.