Finance Globe

U.S. financial and economic topics from several finance writers.

How to Prevent Overspending This Holiday Season

holiday-budget-exceeded
With the holiday season in full swing, now’s the time to review your budget and set boundaries for the months to come. Putting in the work upfront can go a long way in helping you avoid financial errors that you’ll come to regret in the new year. Overspending during the holiday season is one of the biggest concerns facing consumers. Even if you’ve avoided major trouble in the past, it’s a new year. And with that,...
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What To Do With an Unexpected Lump Sum of Cash

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 There’s no better feeling than a lump sum of cash unexpectedly arriving in your life. This could come from a work bonus, tax refund, winning lottery ticket, or inheritance (and that’s just the start). Before you do anything with the money, take a step back to consider the best path forward. You don’t want to make a rash decision that you’ll regret in the future.  Here are some of the better things to do with an...
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Budgeting 101: Get Your Finances In Order

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Having a proper budget is important in terms of financial stability. However, creating a budget that works for you and your lifestyle may seem difficult if you are just starting out. There are various ways to go about budgeting and doing so can allow you to live stress-free in regard to your finances. If you are unsure of where to begin, here are four ways you can get started on the path to getting your finances...
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Saving on Groceries: Easier than you Think

woman-grocery-shopping
When you step foot into a local grocery store or order pickup or delivery online, you will have two things on your mind: Finding and buying everything you needSaving money along the way It is easy to put a variety of items in your cart. It is not so easy to check-out, knowing that the final total could be more than you wanted to spend. With this day in age, things are just plain out getting...
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Home Equity Loan Fees: They Can Sneak Up On You

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There are many reasons to consider a home equity loan. It's a great way to consolidate debt, pay off medical expenses, or take on a home improvement project. However, before you head down this path, you should become familiar with the many fees associated with this type of loan. Should you neglect to do so, you may end up surprised — and that's not a risk you should be willing to take. While every lender is...
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Being Frugal Takes the Right Mental Approach

less-is-more-frugal-sign
Being frugal is easier said than done. Even though you may be interested in saving money, no matter what it takes, if you don’t have the right mental approach you will find yourself coming up short. Once you change your approach, it will not be long before you are realizing the benefits of living a frugal lifestyle. In fact, you may soon find that this is easier than you ever believed possible. Getting in the right...
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Wanderer
1. Having the strength to say no. 2. Ability to differentiate necessary from unnecessary purchases. and 3. Being patient. The th... Read More
Wednesday, 23 June 2021 08:38
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3 Traits for Maintaining a Successful Budget

woman-calculator-desk
Creating a budget is a big step on the path to a better financial life. However, maintaining your budget is even more important. Even if you start with good intentions, over time it is possible to get off track if you don’t know what you are doing. To ensure your success, here are three traits that will help you stay the course: 1. Motivation. Are you motivated to do the right thing in regards to your...
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Are You Overspending on These Office Supplies?

paying-too-much-office-supplies
As a small business owner or office manager, there may come a time when you need to take a hard look at your spending. Did you know that approximately two-thirds of Americans don’t budget? While this number may or may not be as high in regards to small business, nothing changes the fact that you need to pay close attention to every last dollar you spend. This leads us to an important question: are you overspending...
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Frank
Luckily the company I work for purchases these items, but I agree they can quickly add up!
Wednesday, 20 December 2017 17:40
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Debit or Credit? 3 Reasons to Choose Debit

Debit or Credit? 3 Reasons to Choose Debit
As you compare your debit card and credit card, you have a big decision to make. Which one will you turn to when it’s time to make a purchase? While your credit card may seem like the better option, thanks to the ability to earn rewards and build credit, there are times when it’s better to swipe your debit card. 1. You are swimming in credit card debt. If you are already bogged down with credit...
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Recent Comments
Wanderer
While your post has a lot good logic there is one matter not to be overlooked. Fraud as the laws favor credit cards and you are mo... Read More
Tuesday, 17 May 2016 21:05
Frank
I agree. The main question you should ask yourself is are you financially responsible to purchase on a credit card. If you are, yo... Read More
Sunday, 22 May 2016 18:03
Frank
I could not agree more Wanderer.
Tuesday, 14 June 2016 14:00
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What are the Benefits of a Personal Loan?

What are the Benefits of a Personal Loan?
Are you in desperate need of money? Do you find yourself comparing your many options for obtaining the cash you need? Like many, the first place you turn is your bank account. If you don’t find what you need, it’s natural to turn your attention to your credit card. While a personal loan isn’t the right choice for every consumer in need of money, there are many benefits that allow this product to standout. Consider the...
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Recent Comments
Wanderer
Used a Personal Loan to help establish myself in the world of credit and to use the funds to pay off debt. What I liked was the fi... Read More
Sunday, 23 April 2017 05:38
Frank
I have never used a personal loan, but I agree that they would be good for someone to establish credit or if they were in a bind. ... Read More
Wednesday, 26 July 2017 13:32
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