Finance Globe

A travel credit card, with all its available credit, seems like a great way to fund your vacation. You get to have a great time in a new place and postpone the burden of paying for it. Using your credit card for your vacation can be beneficial, just make sure it doesn’t even up costing you more in the long run. Use a travel credit card that will earn rewards. Large-ticket items like vacations are a...

Have you ever heard the old saying “don’t bite off more than you can chew?” In short, this means don’t take on more than you can comfortably handle. Unfortunately, many people make this mistake when buying a home. While your intentions are good, it’s easy to become so overwhelmed with the process that you end up overspending. If you’re concerned about going down this path, here are three steps you can take: Know your absolute maximum...

Are you considering a loan from a family member or friend? Are you familiar with the many ways this could benefit your finances? The advantages of this type of loan are well documented. In addition to a lack of paperwork, you may find somebody who is willing to loan you the money interest free. Does it get any better than that? While you may be attracted by the many benefits of borrowing from family or friends,...

If you find yourself in the market for a new car, it won’t be long before you’re sitting face to face with the finance manager (unless you’re paying with cash, of course). Reaching this point means you have found your next vehicle and are ready to finalize the purchase. As you make your way through the process, here are some of the more important questions to ask: What is the total amount financed? While the monthly...

Some parents are okay with the idea of their college student carrying a credit card. Other parents are against this idea, as they are unsure of if their child is responsible enough to use this financial tool in the appropriate manner. Since most college students are over the age of 18, they have the opportunity to personally decide if they need a credit card or one designed for students. If you’re a student going down this...

Carrying a credit card is a great responsibility. If you’re not careful, it’s easy to overspend and regret it at some point in the near future. By understanding why you have overspent on your credit card in the past, you can avoid a similar situation down the road. Even if you‘ve never found yourself in this position, you can still learn from the mistakes that others have made. Here is why you may be overspending on...

Did you know that approximately 15 million Americans are self-employed? If you’re currently working in the corporate world but hope to join the ranks of the self-employed in the near future, it’s important to implement a plan that will allow for an efficient transition. Starting a business can be one of the most exciting things you ever do. Conversely, it can also bring quite a bit of stress into your life. Are you ready to deal...

If the income from your job isn’t cutting it or you’re looking for way to get ahead financially, adding a second income stream may be a solution. A second income stream, it’s from a second job, a money-making hobby, or a side business, can benefit you in more ways than one. It’s easier to afford your living expenses. More than 50% of Americans are spending at or above their income on living expenses, reports CNN. If...

Gas rewards credit cards can help you cut your transportation cost – a benefit you’ll especially enjoy if you have a long commute to work or you take frequent road trips. If you have a gas credit card or you’re considering getting one, here are some ways to maximize the rewards you earn on your card. Choose a branded gas credit card. Some gas credit cards are closed-loop, meaning they can only be used at a...

If you want to be better with your money and reach your financial goals, you must learn to be financially disciplined. Being disciplined will keep you from making mistakes like overdrafting your bank account and withdrawing from your savings and retirement funds. It will also help you make better financial decisions and achieve more financial success. Some people are naturally more disciplined. For everyone else, financial discipline is a habit that can be learned. Commit to specific...