Would you like to hold on to more of your money? If so, you'll have to break bad habits that keep many people poor. Some of the areas discussed below touch on budgeting, credit cards, saving money, smart investing, and buying cars. By correcting the bad money habits discussed in this article, you'll be on a path to greater riches. 1. Failing to … [Read more...]
If you find it difficult to determine how to allocate your income to save money and cover ever day living expenses, this article is for you. I'm going to give you some broad saving and spending percentages that you can use when preparing your household budget and monitoring it against your actual monthly expenditures. The percentages … [Read more...]
If you're looking for ways to reduce your monthly expenses and free up more cash for other things, the first option to consider is refinancing your home loan. In this article, you'll learn 4 factors or indicators that will help you to assess if and when to refinance your mortgage. 1. A big fall in interest rates The common wisdom is … [Read more...]
Let's be honest, is there many word that are more awesome than the word "free"? I don't think so. Well, today I'm going to hook you up by revealing ten places where you can get free household items. Here they are: 1. Pay a visit to moving neighbors - It's never failed that when I've moved from one place to another, there was a bunch of … [Read more...]
There's a lot of misinformation that gets thrown around in the world of personal finance about money. Specifically, there are six common money myths that I want to dispel. They touch on a variety of areas including home ownership, credit scores, stock market investing and more. Here they are: Myth #1: Buying a home is a guaranteed investment … [Read more...]
Think that there's only one or two ways to get around town? Hardly. If your goal is to save money or regain control of your personal finances, there are lots of cheap and eco-friendly transportation options to boot. You just have to decide which is right for you and whether you care about what your friends and neighbors would say or think. Here are … [Read more...]
Water is a precious commodity, and you're smart to investigate how to save money on your water bill. Listed below are 12 ways that you can stop wasting water without it adversely affecting your lifestyle. 1. Get water-efficient shower heads - A water-efficient or low-flow shower head uses about one-third of the water that a standard shower head … [Read more...]
If you're thinking of buying a car, this article is for you. Below, you'll learn six ways to save money on a car loan. After all, cars are expensive enough, especially when you factor in insurance, gasoline, and ongoing maintenance. And as you'll read in our first strategy, the interest that you pay on an auto loan can be significant. Here's how … [Read more...]
If your smartphone phone plan is gobbling down too much of your household budget, then I have some great ideas for how to lower your cell phone bill without it significantly hurting your lifestyle. The major cell phone providers are AT&T, Verizon, Sprint and T-Mobile, and some of the second tier players include Virgin Mobile, Metro PCS, … [Read more...]
While auto insurance is required to operate a motor vehicle on streets and highways, that doesn't mean you have to pay a lot for it. Below, you'll discover nine ways to save money on auto insurance and put a smile on your face. 1. Always ask about discounts - All auto insurance companies offer a menu of discounts. They'll grant some of them to … [Read more...]
If your energy bill is going through the roof, this article will give you ten useful tips for how to save money on electricity at home. To ensure that you reduce your energy consumption by as much as possible, try to implement as many of them as you can. 1. Take advantage of off-peak hours pricing - In many cities, the power company has specific … [Read more...]
If it seems like your car is chugging down gasoline faster than Shaq can drink a bottle of Gatorade, then these tips are for you. You'll find that most of these nine ways to save money on gas for your car, truck, and other vehicles are fairly easy to implement. Doing just a few of these things should result in a fuller gas tank and wallet. 1. Get … [Read more...]
If you think that you're paying too much for car insurance, it could be that you're not asking the right questions. You see, many car insurance companies offer a number of discounts that aren't well advertised. After all, if the insurance underwriter can get your business without having to give up much of anything, why would they reveal them? So … [Read more...]
When it comes to organizing and paying bills on time, there are several things you need to know to make the process easy, and not hurt your credit score. So in this article, you'll learn various aspects of bill paying including prioritization, automatic payments, online paying, and tracking due dates. After reviewing and implementing these … [Read more...]
If you're looking for ways to squeeze more from your income, then this article is going to reveal multiple areas of your life where you can save a big chunk of money by buying used rather than new items. I'll cover things such as furniture, tools, vehicles and more. Get ready because you will probably see a few eye-openers you never though … [Read more...]
Disclaimer: The entire contents of this personal finance and wealth building web site represent the thoughts, ideas, and opinions of Michael Holland, unless otherwise stated. You may also come across articles, videos, reports, and other content provided by (or associated with) various authors. In all of these cases, the opinions of each respective author is there's alone, and they shall retain copyright of the material as marked. There are also links that might earn us a commission. Nevertheless, the information on this web site is in no way intended to replace a one-on-one relationship or consultation with a qualified or certified financial or investment professional. Our intent is not to give you financial advice because every individual's financial situation is unique. The intent is to share knowledge and information based on the experience and research of Michael Holland and his community. Michael encourages you to make your own financial decisions based upon your research and in partnership with a qualified financial or investment professional. |