The holiday season is approaching, and with it comes lots of extra expenses for gifts, travel, dinners, and celebrations. Planning your budget for October, November, and December can seem like a daunting task, but when you follow the steps in this article, creating a Holiday budget and sticking to it will be easy. Your future self will thank you for taking the time now to plan for holiday expenses.
Having good or bad credit affects how you can spend money and what you can buy. Building your credit up opens a lot of doors like having the ability to buy a house or car or open a credit card. However, there’s a lot of confusion about which things truly affect your credit positively and negatively. Below, there are four credit myths that are commonly perceived to be true.
If you feel completely overwhelmed by debt, you may think personal bankruptcy is your only option. However, declaring bankruptcy is a big, life-altering step with long-lasting consequences. Before you declare bankruptcy, make sure you know all of the facts to ensure it’s the right option for your financial situation.
Bad credit happens to everyone now and then, but now is the perfect time to start turning it around. The fight for good credit can be an intimidating uphill battle if you’re not sure where to begin. When you take it one step at a time, you’ll be on the way to an excellent credit score in no time. There are several simple steps you can take this week to get your credit score on the right track.
Congratulations graduates – you did it! You now have a college degree and are ready to move into the real world and start using your smarts. You also likely have a mountain of student debt that seems insurmountable right now. There was no college course for paying back student loans, but don’t panic – we’ve got ideas to help make paying those student loans as stress-free as possible.
Grocery shopping is the most budget-friendly way to eat, and preparing food at home is much more cost-efficient than eating out, using a meal-prep service, or ordering in. Yet, buying groceries, especially healthy ones, can still get expensive when you’re on a tight budget. Try using these tricks to save a little extra money when you go grocery shopping
Every year, from January to April, every taxpayer has the same thing on his or her mind: getting their tax return filed by the IRS tax deadline. Somehow, every year, that IRS tax deadline sneaks up on some of us, and passes some by entirely. What happens if you miss the IRS tax deadline? Don’t panic – you have options.
If you’ve procrastinated until the last minute on filing your taxes, you’ll likely be hurrying to get through them. The more quickly you move, the more likely you are to make mistakes, so be aware of the nine most common listed below. Avoiding mistakes will ensure that your tax refund isn’t delayed and that you don’t have to do extra work after you file. The keys are to double check all of your work and if you’re not sure of a number or name, compare it to official paperwork before submitting.
We’ve all been there: opening the mailbox and finding a tax refund check after weeks of waiting for it. The anticipation has grown for a while, especially if your tax refund was delayed for any reason. The excitement builds and the urge to go out and immediately spend it on clothes, electronics, or trips is strong.