Finance Globe

The biggest shopping season of the year leads a lot of people into debt because they overspend with their credit cards. It’s not a bad thing to use your credit card during the holidays. The key to avoiding debt and future financial troubles is to use it responsibly. Follow these eight tips to maximize your credit card use without running up big balances. Use only one credit card. The more credit cards you use, the harder...

To change your spending habits you have to change how you respond to the cues that typically tempt you to spend money. For example, you may typically see something in the store, want it, and then purchase it. But, there are some little mind tricks you can use to spend less money. Know how long you have to work to afford it. Divide the cost of the item by your hourly wage to figure out how...

If you’re a big picture type of person, certain details of your finances can easily slip through the cracks. While it’s important to watch the bottom line, it’s equally important to pay attention to all the items that contribute to the bottom line, too. Here are some financial details you can’t afford to ignore. How much you spent this month. Continually monitoring your spending is key to ensuring you’re staying within your budget and not spending...

For many people, one checking account and one savings account may sound like plenty of bank accounts, but it may not be enough. Having multiple bank accounts may help you manage your money better. And for the wealthy or high-income earners, multiple bank accounts can offer more protection. Here are a few reasons to have more than one bank account. Different accounts for different purposes. Putting your money in separate accounts can prevent the mistake of spending money...

You sense something’s wrong with your finances because you never seem to have enough money. Here are a few signs the problem is that you’re not making enough money. You already broke within a few days of getting paid. If you’re living paycheck to paycheck, or worse ending up broke before payday rolls around again, you may not be making enough money. You have to dip into savings to make ends meet. That’s if you still...

While many people recognize the importance of creating a budget, many have a hard time sticking to the budgets they’ve created for themselves. Here are a few reasons we can’t seem to stick to a budget. How many of them are true for you? You’re using it to restrict rather than control your spending. If you’re among those who believe that a budget is intended to keep you from spending, budgeting is understandably hard for you....

Unexpected expenses can derail even the most perfect budget. While you can’t predict when they’ll happen, there are a few expenses that are almost unavoidable especially if you’re married, a homeowner, or employed. Unemployment. Lots of factors affect how long it will take you to get another job, but the rule of thumb is that it takes one month for every $10,000 salary you were earning. So, the more money you were making, the longer it...

Nearly every credit card issuer has at least one credit card with a signup bonus. Spend a certain amount of money in the first few months of your account opening and you can earn points, miles, or even cash. To be sure you earn your points, be a little more meticulous about your spending and payments in those first few months. The last thing you want to do is sign up for a credit card hoping...

Fraudsters get better and better and making tricking people out of their money or out of information that can lead to their money. If it’s your first time seeing a particular scam email, you may be fooled into clicking on a link, responding, or providing personal information. Be careful – no legitimate business solicits personal information via email. Here are some common email scams to look out for. I’m in trouble and I need your help....

Millions of consumers who used a credit or debit card in Target during the data breach period – November 27 to December 15, 2013 – have received a replacement card in the mail sometime in the past several weeks. If you haven’t received a new card already, don’t be surprised if you open an envelope one day and discover you too have received a replacement card from your bank or credit card issuer.Why Are Banks Replacing...