Finance Globe

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

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 on office supplies?If...
Continue reading
  1092 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
1092 Hits
1 Comment

Financial Tips During a Financial Recession

100-bill-mask-coronavirus
I think it is fair to say the coronavirus is bringing the U.S. economy to a slowdown, although likely could be a complete halt. Most are predicting a recession for at least this year. In order to prepare for a recession, below are a few tips to help you survive through a recession.Re-evaluate your priorities: During recessionary times, you should re-assess what your goals are. For example, a person that may be going into retirement, this...
Continue reading
  1721 Hits
  1 Comment
Recent comment in this post
Wanderer
Time to take financial control of our lives and for some, live within our means! Scary thought ...
Sunday, 22 March 2020 03:06
1721 Hits
1 Comment

Refinance Opportunities

mortgage-check1
While the markets are in turmoil and everyone is in isolation due to the coronavirus, there is some potential positives out there from a personal finance perspective. Given the declining interest rates, this would be a great opportunity to refinance your house. In fact, low mortgage rates are leading homeowners to take cash out of their homes at the highest levels since the financial crisis. This is all due to the fact that the Federal Reserve...
Continue reading
  1429 Hits
  0 Comments
1429 Hits
0 Comments

Watch Out for These Five Dangers of Overspending

Watch Out for These Five Dangers of Overspending
Credit and debit cards make it so easy to make purchases, but they also make it easy to overspend. You can go on shopping sprees without ever leaving the comfort of your home. You can pay bills with the click of button. Unless you’ve told your bank not to process overdraft transactions, they won’t stop you from spending more than what’s available in your checking account. And if you’re short on funds and have decent credit,...
Continue reading
  5684 Hits
  3 Comments
Recent Comments
Frank
before I was married, I overdrafted all the time. Now my finances are in a much better position.
Friday, 30 June 2017 15:29
Guest — Benjamin Franklin
This also helped me in my finances
Monday, 17 February 2020 03:15
Wanderer
This Blog lays out well how we do get into trouble! Brings back memories and what I need to watch. Do not want to walk the road to... Read More
Friday, 06 March 2020 18:04
5684 Hits
3 Comments

How to Save Money When you Have a Young Child

man-daughter-child
When it comes to planning for your first baby, it’s hard to find a balance between being budget conscious and feeling as though you are prepared for anything and everything your new baby may need. Here are three lessons (and huge cost-saving tips) that I have learned along the way.   1.     Choose items that will grow along with your child. When it comes to car seats, there are two options: an infant seat, or “bucket” seat,...
Continue reading
  493 Hits
  1 Comment
Recent comment in this post
Wanderer
Good reference Blog on the "how to" in keeping financially grounded while experiencing a major change to one's life style!
Saturday, 07 March 2020 04:01
493 Hits
1 Comment

How to Handle the Rising Costs of Utilities

utility-bills
With so much to think about from a budgeting perspective, it’s easy for some monthly expenses to slip through the cracks. For many people, this means utilities.It’s easy to take utilities for granted, as you assume that you’ll always have access to what you need. However, even if this is the case, it doesn’t mean you can ignore the impact on your budget.There’s nothing more frustrating than watching the cost of your utilities rise. If this...
Continue reading
  958 Hits
  0 Comments
958 Hits
0 Comments

Is College Education Still Worth the Investment

college-education-teacher-students
In today’s environment with rising education expenses, some are asking the question of if a college education is still worth the investment. Every parent wants to do the most that they can to set their child up for success, but many are beginning to ask the questions. Below I have outlined some benefits and why people are asking the question to give you a better perspective of deciding if a college education is worth it. BenefitsAccording to...
Continue reading
  1830 Hits
  1 Comment
Recent comment in this post
Wanderer
This does open the door to thinking about the future. Some options is to find a two year school (local to reduce costs) for the Ge... Read More
Tuesday, 07 January 2020 03:48
1830 Hits
1 Comment

How the 50/30/20 Budget Works

woman-calculator-desk
One of the hardest parts of creating a budget is figuring out how much money you should spend on all your expenses. What's the right amount to spend on housing? Or transportation? Or entertainment? Having a guide to building a budget helps keep your spending in line. That's one of the benefits of the 50/30/20 budgeting method. Your spending on certain categories is kept within a certain percentage of your monthly income, so you can figure...
Continue reading
  800 Hits
  0 Comments
800 Hits
0 Comments

5 Ways to Simplify Your Finances

financial-organization1
The more complicated your finances are, the harder it is to keep up with everything. You'll spend more time and effort trying to manage complicated finances and the stress of dealing with your finances may cause you to procrastinate. Overly complicated finances could lead to more expensive mistakes like missing a payment or overdrafting your bank account. If you've been feeling like your finances are all over the place, there are a few things you can...
Continue reading
  997 Hits
  1 Comment
Recent comment in this post
Wanderer
Good ideas to try and manage your finances while keeping the methods to do it simple so you will do it! For myself, I build and an... Read More
Thursday, 07 November 2019 21:23
997 Hits
1 Comment

Why The APR is the Most Important Factor In Borrowing

time-to-change-financial-habits1
Many people choose credit cards and loans based on the features, benefits, or the monthly payment, but there's a more important factor to consider - the APR. This number tells you how much you're actually paying to borrow money. The higher the APR, or annual percentage rate, the more you're paying when you borrow money.Finding the APRLooking at the APR gives you a better way to compare loan of the same type to each other. For...
Continue reading
  1000 Hits
  1 Comment
Recent comment in this post
Wanderer
Good points offered on the subject of Aprs. With that said, there is one thing to keep in mind, try not to acquire debt on high in... Read More
Thursday, 07 November 2019 21:28
1000 Hits
1 Comment