Financial Journal 1

This is the start of a financial advice journal that combines everything from saving to budgeting to retirement and beyond.


Want to retire with a million dollars? Although it may not be too late, it may be best to start young.






April is a special month that affects our finances. beyond tax-time.


April should be the first month to get a free credit report. Notice I said "a" as in "one" credit report. Since you get a free report a year from each agency, get one from each one every 4 months.






What if money came with rules? If we lived by these rules we may be prosperous. Well money does have rules to live by.




Are you putting off financial obligations until 'someday'? Well someday never comes and here are financial tasks that need immediate attention.




Here's a site that offers tips and techniques to tweek your finances.


I use both banks and credit unions for my banking needs, I even bank online and take advantage of higher interest rates. Here's a way to find the right financial institution for your needs.

The Cheapskate Lifestyle

The bottom line with money is to spend less than you make. The extra should be saved, invested and used for emergencies. You must be able to sacrifice and not keep up with the Joneses. The enemy of money is debt, and one must try to avoid as much debt as possible. Money is the one thing that everybody needs, yet not everybody educates themselves on money.

The first thing you should do is create a budget and educate yourself on money matters. The site is loaded with information, tools and money resources.

Financial education should be taught to children at a young age. For money saving tips this site has many practical money-saving ideas.

The best way to save money is to be frugal. We could call it what it is, living cheap. No matter how you look at it, you must learn to live on the cheap. Then there's one more! The important thing is to build a savings any way you can. If you can save money you will avoid large debts in the future.

Here are simple ways to make extra money online. If you are spending more than your saving, you should consider maybe getting a part-time job. Here you can find job hunting sites. Here's another one.

Another money idea is to save all your $5 bills.  This will give you some serious savings in a few years.

Financial GPS

When it comes to finances, you have to know where you are at and where you want to go. You then have to map out a way to get there and how long it will take. Factor in that what will cost you the most to repair is DEBT!

We are a society that demands immediate gratification and we are always in a race keeping up with the Joneses. Since practically anyone can get credit to buy now and pay later, we can easily slip and drown in debt. If you are living paycheck-to-paycheck, you may have a problem with debt and responsibilities.

Never fear because there are painless ways to save on a tight budget. If you have to start somewhere, why not start here. The first thing you have to do to be financially fit is create a budget and stick to it. For those who hate budgets, there is even some advice for them.

Your next route on your journey is to stay out of debt. Then you should learn how to save money. A great tool for creating a budget can be found at Buddi.