Finance Globe

If you find yourself considering the pros and cons of bankruptcy, there is a good chance you are on the fence as to whether or not you should move forward. While some people decide to file right away, others hold off as they are unsure of if doing so would be in their best interest.Here are five questions to answer before you make a final decision:1. Which type of bankruptcy would be best for you? As...

Well, friends, the time has come. The curtain is about to close on the literary reality show known as “Nickel and Dime Yourself to Life”--at least, for now. Regular NDYL readers might remember my original plan was to try this little experiment for 6 months. My, time sure flies when you’re--um, I’m not sure “having fun” accurately describes this experience. Still, I can hardly believe over six months have passed since I began chronicling the budgeting...

There is no denying the fact that some college students do not have as much financial sense as their parents would like. That being said, college is a learning experience. Students have to make their own mistakes, as these experiences will help shape a better future.Here are three of the most common ways that college students waste money:1. Buying news books instead of used. Despite the fact that many students are taking advantage of the ability...

Many years ago, buying a car meant visiting a dealership in person, hashing out the details with a salesperson, and hoping to get a good deal. While there is nothing wrong with this strategy in today’s day and age, you don’t want to overlook the benefits of buying online.Most of the buying process can be handled via the internet if you take the appropriate steps and are aware of what you should and should not be...

Are you getting ready to start a business? Regardless of the industry, you should realize the importance of a sound marketing plan. Without this, you could find yourself stuck in a rut for quite some time.Here are several reasons why you need to create a marketing plan:1. It will help you land your first clients. As a new business, there is nothing more important than a fast start. Your marketing plan will go a long way...

Do you have a wallet full of credit cards you don’t use, multiple cards with a balance, or cards that are costing you more than they are worth? It may be time for a credit card spring cleaning. Take a good look at your cardholder agreements and most recent credit card statements and figure out what you're really paying to keep your credit cards. Then ask yourself these questions when deciding which cards are keepers and...

When it comes time to purchase life insurance coverage, there is no denying the fact that you want to move forward as quickly as possible. At the same time, moving fast could be the biggest mistake you ever make. The reason for this is simple: you could overlook something important, subsequently missing out on the policy that is truly best for you.To ensure that you are on the right track, here are several questions to answer...

This year I’m going to spend less on food by eating more. Nutritious foods, that is. Eating mostly minimally processed homemade nutrient-rich food, rather than a lot of convenience foods will save my family at least $#222222. Unlike last month, when I included some hypothetical savings, this time my figures reflect only actual budget dollars. Most of those dollars we’ll re-allocate toward paying down our debt. Last month I began discussing a set of behaviors I...

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...