Learn to live within your means and be debt free. Increase savings, invest to grow your money for retirement. Watch out for scams, scums and the schmucks of the financial world. Get more information from books and seek help from financial advisers.

Do not regret growing older. It is a privilege denied to many - Unknown.

Keep in mind, investing involves risk. The value of your investment will fluctuate over time and you may gain or lose money.

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Conflicting Reports About Consumers Spending And Saving

Monday, March 29, 2010, 12:10 AM | 1 Comment

During the last couple of years, dubbed as the Great/Worst Recession since the great one of the 1930s, there have been some reports, especially recently, questioning the wisdom that consumer behavior has been profoundly changed. Multiple conflicting reports to that effect have come to see the light of the day. The following three reports in […]



Keep Track Of Saving Opportunities On Your Mobile Phone

Sunday, February 14, 2010, 2:23 AM | Leave Comment

My 20-year old son is very much careless about using his debit card. He uses it to buy $3 or $5 worth of fast food just to satisfy his craving for it. He is not careful enough to check his debit account whether he has the money in the account or not. Three times during […]



10 Tips To Shape Up Your Finances in 2010

Thursday, February 11, 2010, 1:15 AM | Leave Comment

Most folks have resolutions for the new year in terms of a healthy weight, quit smoking and get more exercise. Because of the bad economic situation and the increasingly unpredictable future for personal finances, this new year is an excellent opportunity for folks to shape up financially. May that be getting out of debt, raising […]



Tips To Achieve Financial Success In Your Lifetime

Thursday, January 7, 2010, 10:25 AM | 4 Comments

For some folks, financial success means peace of mind and not worry about debt and its intricacies. For others, it means more. More than they already have, no matter how much. If they get hands on $19 million, they are not satisfied. They would use any means necessary to be financially successful. Let’s talk about […]



Something Less Flashy Will Do Just Fine

Tuesday, December 15, 2009, 2:32 AM | Leave Comment

A time comes that an increasing number of people get tired of routine things to do, one of which is shopping. Especially in today’s rotten economy, when you do shopping just for the sake of shopping, because you have nothing much else to do, you must change your habits. The general populace is being hit […]



Whacha Gonna Do When The Malls Call On You?

Tuesday, November 24, 2009, 11:38 AM | Leave Comment

This year, many folks have been laid off as we all know. The personal finance experts say “Less work, but more time with family! Less credit, but smarter spending!” Whether you are one of the many who don’t have a job this shopping season – that includes yours truly – or are gainfully employed, be […]



3 Steps To Take Charge Of Your Finances

Wednesday, September 23, 2009, 6:00 AM | Leave Comment

The last year and a half, we have gone through a lot, to say the least, in our finances. Good or bad times, we must keep these three basic principles in mind to help you regain control of your finances. Also, you need to focus and concentrate on your personal finances, especially your debt. Don’t […]



The Fundamental Principle Of Personal Finance

Friday, September 11, 2009, 6:01 AM | Leave Comment

Many Americans under 35 can’t manage the basic financial building blocks of an adult life, according to a survey of young workers published by the AFL-CIO. The union calls the last ten years a “lost decade” for these young people during which many fell short on critical responsibilities like getting their own place, finding a […]



Married or Divorced, Boost Your Income

Thursday, August 27, 2009, 6:28 AM | 1 Comment

It’s hard to believe but every year retirees pass up to the tune of more than $10 billion in Social Security benefits. How does it happen? Because of the spousal benefits that a lot of folks don’t know about and so they don’t claim from the department. These benefits can increase your income and solve […]



Buy Generic And Save Without Sacrificing Quality

Monday, August 17, 2009, 5:47 AM | 4 Comments

Buying generic will trim your bill on your everyday shopping. I always buy generic if it is available. Anything generic may not come in a pretty bottle or be as tasty as your favorite brands, but in many cases, the only thing that’s not premium about generics is the price. That’s because some generic brands […]