Finance Globe

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

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...
Continue reading
  1558 Hits
  3 Comments
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
1558 Hits
3 Comments

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...
Continue reading
  1499 Hits
  2 Comments
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
1499 Hits
2 Comments

Salary Negotiation Tips for First-Timers

saray-increase1
Have you come to the conclusion that your employer should be paying you more money? Are you ready to negotiate your salary for the first time? Although this can be a stressful situation, it’s something you’ll probably face at some point in your career. Despite your concerns, such as the possibility of your employer shooting you down, it’s important to move forward and take immediate action. After all, you don’t want to work for less than...
Continue reading
  1269 Hits
  1 Comment
Recent comment in this post
Frank
Make sure you research your market pay as well. Having benchmarks can be a great tool.
Wednesday, 26 July 2017 13:38
1269 Hits
1 Comment

Frugal Flips for the Not-So-Extreme Cheapskate, Part 3

garden-frugal-grow-own-food
As of this past March I’ve been posting monthly tips for saving money, which I’m calling “frugal flips.” So far, the flips I’ve shared in this series have the potential to save around $1973 a year. Frugal Flip #6: Re-think your coffee brewing method This one will be especially useful for those of you who regularly make your own coffee at home with a single cup brewing machine, such as a Keurig. If you’ve been thinking...
Continue reading
  1578 Hits
  2 Comments
Recent Comments
Frank
Great post! Do you have any recommendations on the brand of the reusable cup?
Monday, 25 September 2017 17:37
Alison
Hi Frank! Thanks for the positive feedback. I try to avoid mentioning brand names in my articles so I don't sound like a walking a... Read More
Saturday, 30 September 2017 12:58
1578 Hits
2 Comments

6 Sneaky Ways Coupons Lead to Overspending

sad-shopper-overspending-24
When it comes to saving money there’s no denying the popularity of coupons. In their 2017 Coupon and Promo Code Use Study, public opinion research firm PRRI found that 92% of consumers have used coupons in the past year. But do they really help us save money? Unfortunately, too many of us end up spending more money when we use coupons than we would have without them. And that is exactly why coupons exist. Budget conscious...
Continue reading
  1652 Hits
  2 Comments
Recent Comments
Frank
I always get caught on #3. My wife too!
Sunday, 30 April 2017 20:46
Alison
Me too! I'm sure we're not the only ones. Coupon psychology is powerful stuff, and that one is especially insidious!
Monday, 01 May 2017 10:51
1652 Hits
2 Comments

How to Prepare Now for Holiday Shopping in the Near Future

holiday-shopping-laptop-card
With the holiday shopping season closing in, now is the best time to get prepared. If you wait too long, if you continue to put this off, you may find yourself searching for gifts without any time to spare. Supply disruptions in 2020 magnify the current need to not procrastinate. Fortunately, you have the option to prepare yourself well in advance. Here are three steps you can take now to prepare for the holiday shopping you...
Continue reading
  410 Hits
  1 Comment
Recent comment in this post
Wanderer
Good information to help us be prepared for the holidays. A note this year is that there may be opportunities to obtain good price... Read More
Wednesday, 21 October 2020 19:43
410 Hits
1 Comment

The Pitfalls of Borrowing From Family or Friends

depressed-man212
Are you considering a loan from a family member or friend? Are you familiar with the many ways this could benefit your finances? The advantages of this type of loan are well documented. In addition to a lack of paperwork, you may find somebody who is willing to loan you the money interest free. Does it get any better than that? While you may be attracted by the many benefits of borrowing from family or friends,...
Continue reading
  1454 Hits
  1 Comment
Recent comment in this post
Frank
I did it once, and I will never do it again. It's a long story, but the gist of it is I lost my money and lost my friend as well. ... Read More
Thursday, 26 October 2017 09:31
1454 Hits
1 Comment

What’s the Best Way to Pay for a Personal Emergency?

leg-injury-personal-emergency-finances
There is nothing more stressful than facing a personal emergency that has the potential to negatively impact your finances. From a serious illness to a major car repair, you never know what you will face in the future. This is why you need to be prepared for anything that could come your way. Although everyone is facing a different set of circumstances, here are some of the best ways to pay for a personal emergency: Emergency...
Continue reading
  1147 Hits
  1 Comment
Recent comment in this post
Frank
These kind of situations are never good. These are some good ideas, and you can always try and negotiate with the person/company c... Read More
Wednesday, 20 December 2017 17:26
1147 Hits
1 Comment

Should You Start Holiday Shopping Today?

early-holiday-shopping
Even though we are several months away from the holiday season, it will be here before you know it. While some people enjoy waiting until the last minute to shop for gifts, others realize the benefits of getting an early start. Would it be crazy to start your holiday shopping today? Rather than shoot down this idea, here are a few reasons why it makes sense: Not buying everything at the same time. When you buy...
Continue reading
  1099 Hits
  1 Comment
Recent comment in this post
Frank
I always buy my Xmas presents in the summer. Right now I can enjoy myself and not fight the crowds!
Wednesday, 20 December 2017 17:28
1099 Hits
1 Comment

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...
Continue reading
  1293 Hits
  1 Comment
Recent comment in this post
Frank
Luckily the company I work for purchases these items, but I agree they can quickly add up!
Wednesday, 20 December 2017 17:40
1293 Hits
1 Comment