Here's a second tip: Be proactive about managing your credit. Call up your lender and ask it to lower your interest rate. Usually, lenders will lower callers' rates by 2% to 3%, says Scott Gamm, founder of HelpSaveMyDollars.com. Also check your credit report. You can check your credit for free at annualcreditreport.com, for example. If you see mistakes, contact the credit agencies and get those mistakes corrected. If errors are dragging down your score, eliminating them can boost it to where it belongs and make you eligible for better rates.
2. Think automation
Free online banking tools can make it easier to manage your finances with less work. To help grow your savings, for example, you can schedule regular transfers from your checking account. Manisha Thakor, author of Get Financially Naked: How to Talk Money With Your Honey, suggests setting up the transfer of a set amount of money into your savings account every pay day.
Also automate recurring bill payments so you never miss a due date or pay a late fee, which sends money down the drain. Even without late fees, timely payments are key: 35% of your credit score is based on your ability to make payments on time. If you sign up for automatic payments, however, make sure to check your monthly bills for errors. One other caveat: "Make sure you have enough cushion in your checking account to avoid any overdrafts" before setting up auto-payments, money coach Lora Sasiela says.
Best Mobile Personal Finance Tool?
Earlier this year we took a look at best money management web sites, but often, tracking money on-the-go is just as important. What's your favorite tool for managing your money on the go?
Photo by Erik Hersman.
Whether you're using a mobile-optimized web site or an application specific to the iOS, Android, BlackBerry, and so on, we want to hear from you. What mobile money management tool makes it easy to manage your money when you're away from your computer?
Hive Five nominations take place in the comments, where you post your favorite tool for the job. We get hundreds of comments, so to make your nomination clear, please include it at the top of your comment like so: VOTE: Mobile Personal Finance Tool. Please don't include your vote in a reply to another commenter. Instead, make your vote and reply separate comments. If you don't follow this format, we may not count your vote. To prevent tampering with the results, votes from first-time commenters may not be counted. After you've made your nomination, let us know what makes it stand out from the competition.
About the Hive Five: The Hive Five feature series asks readers to answer the most frequently asked question we get: "Which tool is the best?" Once a week we'll put out a call for contenders looking for the best solution to a certain problem, then YOU tell us your favorite tools to get the job done. Every weekend, we'll report back with the top five recommendations and give you a chance to vote on which is best. For an example, check out last week's Five Best Resources for Free Games.
Send an email to Jason Fitzpatrick, the author of this post, at jason@lifehacker.com.
robert shumake
Opinion: Can Oprah Help Restore Civility? - AOL <b>News</b>
Oprah began her new cable television network -- OWN -- at noon on New Year's Day, a network dedicated to the total and complete absence of mean-spiritedness.
<b>News</b> - Lindsay Lohan Moving Next Door to Ex Sam Ronson - Celebrity <b>...</b>
Even fresh out of rehab, the actress can't seem to stay away for her former flame.
Weirdest Finding of 2010? Balmain Hair Extensions – Fashionista <b>...</b>
Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: ... Posted in: Beauty, News ...
robert shumake
Opinion: Can Oprah Help Restore Civility? - AOL <b>News</b>
Oprah began her new cable television network -- OWN -- at noon on New Year's Day, a network dedicated to the total and complete absence of mean-spiritedness.
<b>News</b> - Lindsay Lohan Moving Next Door to Ex Sam Ronson - Celebrity <b>...</b>
Even fresh out of rehab, the actress can't seem to stay away for her former flame.
Weirdest Finding of 2010? Balmain Hair Extensions – Fashionista <b>...</b>
Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: ... Posted in: Beauty, News ...
robert shumake detroit
The theory is simple: "If you don't have the money, don't charge it. Try to leave your credit card at home and only use it to pay bills," advises April Lewis, director of education for Consolidated Credit Counseling Services. Then immediately pay off your credit-card balance. As for old credit-card debt, sit down and commit to paper a plan for paying them off. Go for a quick hit, like paying off the smallest balance first, or decide to take on the highest rate card first. Get the job done.
Here's a second tip: Be proactive about managing your credit. Call up your lender and ask it to lower your interest rate. Usually, lenders will lower callers' rates by 2% to 3%, says Scott Gamm, founder of HelpSaveMyDollars.com. Also check your credit report. You can check your credit for free at annualcreditreport.com, for example. If you see mistakes, contact the credit agencies and get those mistakes corrected. If errors are dragging down your score, eliminating them can boost it to where it belongs and make you eligible for better rates.
2. Think automation
Free online banking tools can make it easier to manage your finances with less work. To help grow your savings, for example, you can schedule regular transfers from your checking account. Manisha Thakor, author of Get Financially Naked: How to Talk Money With Your Honey, suggests setting up the transfer of a set amount of money into your savings account every pay day.
Also automate recurring bill payments so you never miss a due date or pay a late fee, which sends money down the drain. Even without late fees, timely payments are key: 35% of your credit score is based on your ability to make payments on time. If you sign up for automatic payments, however, make sure to check your monthly bills for errors. One other caveat: "Make sure you have enough cushion in your checking account to avoid any overdrafts" before setting up auto-payments, money coach Lora Sasiela says.
Best Mobile Personal Finance Tool?
Earlier this year we took a look at best money management web sites, but often, tracking money on-the-go is just as important. What's your favorite tool for managing your money on the go?
Photo by Erik Hersman.
Whether you're using a mobile-optimized web site or an application specific to the iOS, Android, BlackBerry, and so on, we want to hear from you. What mobile money management tool makes it easy to manage your money when you're away from your computer?
Hive Five nominations take place in the comments, where you post your favorite tool for the job. We get hundreds of comments, so to make your nomination clear, please include it at the top of your comment like so: VOTE: Mobile Personal Finance Tool. Please don't include your vote in a reply to another commenter. Instead, make your vote and reply separate comments. If you don't follow this format, we may not count your vote. To prevent tampering with the results, votes from first-time commenters may not be counted. After you've made your nomination, let us know what makes it stand out from the competition.
About the Hive Five: The Hive Five feature series asks readers to answer the most frequently asked question we get: "Which tool is the best?" Once a week we'll put out a call for contenders looking for the best solution to a certain problem, then YOU tell us your favorite tools to get the job done. Every weekend, we'll report back with the top five recommendations and give you a chance to vote on which is best. For an example, check out last week's Five Best Resources for Free Games.
Send an email to Jason Fitzpatrick, the author of this post, at jason@lifehacker.com.
robert shumake detroit
robert shumake
Opinion: Can Oprah Help Restore Civility? - AOL <b>News</b>
Oprah began her new cable television network -- OWN -- at noon on New Year's Day, a network dedicated to the total and complete absence of mean-spiritedness.
<b>News</b> - Lindsay Lohan Moving Next Door to Ex Sam Ronson - Celebrity <b>...</b>
Even fresh out of rehab, the actress can't seem to stay away for her former flame.
Weirdest Finding of 2010? Balmain Hair Extensions – Fashionista <b>...</b>
Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: ... Posted in: Beauty, News ...
robert shumake
Opinion: Can Oprah Help Restore Civility? - AOL <b>News</b>
Oprah began her new cable television network -- OWN -- at noon on New Year's Day, a network dedicated to the total and complete absence of mean-spiritedness.
<b>News</b> - Lindsay Lohan Moving Next Door to Ex Sam Ronson - Celebrity <b>...</b>
Even fresh out of rehab, the actress can't seem to stay away for her former flame.
Weirdest Finding of 2010? Balmain Hair Extensions – Fashionista <b>...</b>
Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: ... Posted in: Beauty, News ...
robert shumake
Fact: if you wish to work your way to financial freedom, you must track your spending habits. It is common knowledge that the best route to avoid financial hardships is by monitoring how much money you are spending versus how much money you are bringing in. It's imperative that you bring in more money than you spend, obviously.
How do you track this information?
You could spend hundreds of hard earned dollars on specialized budgeting software to track this information for you. Most of this pricey software can provide you with the tools you may need to help you in this endeavor. However, to use these tools you actually have to spend money to get them! Isn't the point of creating a budget to save that money?
Solution: Use Microsoft Excel or Google Spreadsheets instead!
Some of the benefits to using Microsoft Excel or Google Spreadsheets to plan your finances and manage your budget are as follows:
1. No Cost - Most of us already own and use Microsoft Excel, either at home or at work in the office. However, if you are one of those rare cases that doesn't own or have access to a copy of Excel, don't bother purchasing it just yet! You can achieve the same results, and do the same work with Google Spreadsheets, and best of all it is free! Spreadsheet's uses are so varied that you can make them do almost anything for you, and your money. Almost all of the fancy financial software is going to end up costing you hundreds of dollars over time. It seems to me a waste to be spending that kind of money on software which is supposedly going to be used to save you that very same money. Save that money and time, just use a spreadsheet to do your financial planning and budgeting.
2. Easy - Neither Microsoft Excel or Google Spreadsheets are particularly difficult to setup and use. If you're willing to spend a few minutes to learn a few of the simple formulas, you will be able to quite easily have them automatically add, multiply, subtract, and divide where and when you want and need them to.
3. Simple - Most specialized financial budgeting software is just not all that easy or simple to use. Take the ever popular software package, Quicken, for example. For simple home budgeting and financial planning, it really was overkill. What I needed was something simple and easy to use, to setup to take care of my personal finances. However, Quicken was so complicated to setup that I found I just didn't want to bother using it. When it comes to a personal budget, I want something that's easy to use, and Quicken was definitely not easy to use. By using a free spreadsheet application like Google Spreadsheets you will save a lot of time when it comes to learning how to use the program, and obviously it saves you a lot of money, as it is free!
4. Customizable - Wouldn't you like your budgeting software to allow for easy customization? Excel and Google Spreadsheets allow you to select your own colors, categories, sizes, fonts, styles, and structures to get what you need done. Everyone is different, and being able to customize your software to fit your needs is very important.
If you're looking for a cheap or even free way to keep track of your personal budget and personal finances, I highly recommend using Microsoft Excel or Google Spreadsheets. I wouldn't waste my hard earned money on bloated, specialized financial software. At the end of the day, your wallet will thank you for choosing the cheap or free method!
robert shumake detroit
Opinion: Can Oprah Help Restore Civility? - AOL <b>News</b>
Oprah began her new cable television network -- OWN -- at noon on New Year's Day, a network dedicated to the total and complete absence of mean-spiritedness.
<b>News</b> - Lindsay Lohan Moving Next Door to Ex Sam Ronson - Celebrity <b>...</b>
Even fresh out of rehab, the actress can't seem to stay away for her former flame.
Weirdest Finding of 2010? Balmain Hair Extensions – Fashionista <b>...</b>
Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: ... Posted in: Beauty, News ...
robert shumake detroit
robert shumake detroit
The theory is simple: "If you don't have the money, don't charge it. Try to leave your credit card at home and only use it to pay bills," advises April Lewis, director of education for Consolidated Credit Counseling Services. Then immediately pay off your credit-card balance. As for old credit-card debt, sit down and commit to paper a plan for paying them off. Go for a quick hit, like paying off the smallest balance first, or decide to take on the highest rate card first. Get the job done.
Here's a second tip: Be proactive about managing your credit. Call up your lender and ask it to lower your interest rate. Usually, lenders will lower callers' rates by 2% to 3%, says Scott Gamm, founder of HelpSaveMyDollars.com. Also check your credit report. You can check your credit for free at annualcreditreport.com, for example. If you see mistakes, contact the credit agencies and get those mistakes corrected. If errors are dragging down your score, eliminating them can boost it to where it belongs and make you eligible for better rates.
2. Think automation
Free online banking tools can make it easier to manage your finances with less work. To help grow your savings, for example, you can schedule regular transfers from your checking account. Manisha Thakor, author of Get Financially Naked: How to Talk Money With Your Honey, suggests setting up the transfer of a set amount of money into your savings account every pay day.
Also automate recurring bill payments so you never miss a due date or pay a late fee, which sends money down the drain. Even without late fees, timely payments are key: 35% of your credit score is based on your ability to make payments on time. If you sign up for automatic payments, however, make sure to check your monthly bills for errors. One other caveat: "Make sure you have enough cushion in your checking account to avoid any overdrafts" before setting up auto-payments, money coach Lora Sasiela says.
Best Mobile Personal Finance Tool?
Earlier this year we took a look at best money management web sites, but often, tracking money on-the-go is just as important. What's your favorite tool for managing your money on the go?
Photo by Erik Hersman.
Whether you're using a mobile-optimized web site or an application specific to the iOS, Android, BlackBerry, and so on, we want to hear from you. What mobile money management tool makes it easy to manage your money when you're away from your computer?
Hive Five nominations take place in the comments, where you post your favorite tool for the job. We get hundreds of comments, so to make your nomination clear, please include it at the top of your comment like so: VOTE: Mobile Personal Finance Tool. Please don't include your vote in a reply to another commenter. Instead, make your vote and reply separate comments. If you don't follow this format, we may not count your vote. To prevent tampering with the results, votes from first-time commenters may not be counted. After you've made your nomination, let us know what makes it stand out from the competition.
About the Hive Five: The Hive Five feature series asks readers to answer the most frequently asked question we get: "Which tool is the best?" Once a week we'll put out a call for contenders looking for the best solution to a certain problem, then YOU tell us your favorite tools to get the job done. Every weekend, we'll report back with the top five recommendations and give you a chance to vote on which is best. For an example, check out last week's Five Best Resources for Free Games.
Send an email to Jason Fitzpatrick, the author of this post, at jason@lifehacker.com.
robert shumake detroit
Opinion: Can Oprah Help Restore Civility? - AOL <b>News</b>
Oprah began her new cable television network -- OWN -- at noon on New Year's Day, a network dedicated to the total and complete absence of mean-spiritedness.
<b>News</b> - Lindsay Lohan Moving Next Door to Ex Sam Ronson - Celebrity <b>...</b>
Even fresh out of rehab, the actress can't seem to stay away for her former flame.
Weirdest Finding of 2010? Balmain Hair Extensions – Fashionista <b>...</b>
Fashion Industry News, Designers, Runway Shows, Style Advice. Send Tips � Advertise � About Us � Network � Above the Law � AltTransport � Breaking Media � Fashionista. Search for: ... Posted in: Beauty, News ...
robert shumake
robert shumake detroit
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