Finance Globe

You might overlook the fees you pay because it doesn’t seem like a lot of money, but multiple fees can add up. Avoiding fees is easier than you may think. Late fees Late fees are the penalty imposed when you pay after the due date. Some late fees are more expensive than others. Your landlord, for example, may charge a hefty percentage of your rent as a late fee. Late fees can be avoided by simply...

For some people, financial troubles are caused by things outside their control – illness, loss of a spouse, or fraud. Other times, financial troubles can be traced back to things that you could have done differently. If you're having money problems, these habits could be the blame. Even if you're doing well right now, avoiding these will ensure you stay that way. Having Bad Spending Habits Overspending, not budgeting, failing to save, and using debt are all spending...

Millions of Americans are targeted by phone scams everyday. Robocallers have a variety of extremely convincing schemes they use to trick consumers out of money and personal information. Here are some tips to avoid phone scams no matter what tactics the scammers use. Be skeptical of all unsolicited calls, especially calls asking you for money for any reason or your personal information. It’s hard to know for sure that the person on the other end of...

Most of us feel like we’re paying too much fore wireless service. Even switching to a cheaper monthly plan seems to barely make a dent in the monthly wireless bill. Review your bill. Don’t just pay your bill without reading through it to see what you’re paying for. You could be unknowingly paying fees for services you’re not using. You could be signed up for a more expensive plan that you realized.  Compare your plan to...

Some people say you should never loan money to a friend or family member. Money tends to complicate relationships, particularly if the borrower doesn’t pay you back as agreed. It’s easy to set a rule that you'll never loan money to people you know, but it’s just as hard to watch someone close to you suffer financially, especially if you can help. If you decide to loan money to a friend or family member, here are some tips to make the...

We know that skills like budgeting and smart spending play an important role in financial success. Without them, you can easily make critical mistakes that derail your finances. But budgeting will only take you so far. Here are six life skills you need to have to be financially successful. The ability to prioritize At any given time, you’ll have competing financial needs. While you may feel like they are all equally important – like saving money and...

Growing a garden can be very rewarding, providing you with food, flowers, and a beautiful landscape all season long - but buying an instant garden at full retail can be very costly. Fortunately, it's easy to cut your costs if you have patience and keep your eyes open for opportunities. Here are a few tips to get you started: Buy smaller woody plants. Cut costs on permanent landscaping by starting with smaller trees and shrubs and space them according...

We want to make more money in our careers, not less. Unfortunately, there may be instances where you have to deal with a pay cut. Your job may have to cut wages to stay in business, your commission may be lower, your own business may suffer a loss of revenue, or you could decide to take a job that pays less money. Dealing with a pay cut is far less than ideal, but navigating the reduction in wages...

It’s bad enough that you had to visit the doctor, hospital, or another medical facility. It’s even worse if you receive a bill, showing that you owe hundreds or maybe even thousands of dollars. If you find yourself in this position, you have a couple of options: •    Pay the bill in full.•    Contact the appropriate party in an attempt to negotiate a lower payment. Which option is right for you? While you may not want...

So, you have a tax refund coming your way? Or maybe you already received this money from the IRS, state, and/or local tax authority. In this case, you have a big decision: what will you do with the money? While some people immediately spend the money, others realize that it’s probably in their best interest to save. But this leads to another question: what is the best way to save a tax refund? There are a...