Finance Globe

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

Don’t Overspend on These Items This Holiday Season

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With the holiday season in full swing, it can be a challenge to keep your budget in order. Just when you think you have everything under control, you come to find yourself spending money on something that doesn’t typically come into play. While there is nothing wrong with enjoying yourself during this time of the year, it’s important that you don’t overspend. If you get into the habit of doing this, you may not like what...
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What to Know Before Applying for a Joint Loan

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Spouses, partners, or even relatives may, at some point, consider applying for a loan together. As with anything, there are pros and cons to applying for a loan with someone. It's important to think about the advantages and the disadvantages before you make a final decision. Applying together could help you qualify for a larger loan. Because you're applying jointly, the lender will consider both your incomes as means for repaying the loan. Two incomes means you're able...
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Frank
My wife and I have a joint loan, but she is the only person I would ever do this with. You have to 100% trust that other person be... Read More
Friday, 23 February 2018 14:21
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How to Save Money on the Cost of Prescription Medication

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The rising cost of prescription drugs is something that many people worry about. This is particularly true among those who are currently taking one or more medication as a means of improving their health. While you may have no choice but to purchase prescription medication on a regular basis, there are some basic steps you can take to save money. Here are some ideas to consider: 1. Search for a Generic Brand name pharmaceuticals are not...
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Frank
I think its very important to have this conversation with your doctor. They should be involved in the cost and if its too high, th... Read More
Friday, 23 February 2018 14:19
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3 Ways to Incur Less Debt in 2018

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Has 2017 been a bad year for you in regards to debt? Do you continue to rack up one bill after the next? Are you hoping to change this in the year to come? Although you may have made some poor financial decisions over the past few months, it doesn’t mean you have to continue this trend in the future. By making a few basic changes to your approach, you’ll find it much easier to prevent...
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Frank
I would also say paying off existing debt will help you keep or lower your total debt plan. I continue to set aside 10% of my inco... Read More
Tuesday, 28 November 2017 09:00
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Is a Smartphone Upgrade a Wise Choice?

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The days of getting a new cell phone just for signing a two-year service agreement are long gone. Unless you can take advantage of a carrier promotion, you’ll likely pay full price for a new smartphone. With phone prices creeping higher and higher each year, owning a smartphone is pretty expensive, sometimes even more so than owning a laptop computer. Carriers make it fairly easy to upgrade to a new phone, allowing you to pay in...
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How to Avoid Falling for a Pyramid Scheme

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Everyone who’s looking for an opportunity to make money outside of their regular paycheck should be aware of pyramid schemes. These scams are typically disguised as legitimate opportunities to work from home and lure in people with the promise of big money. Pyramid schemes, which are illegal, are different from multilevel marketing programs, which are legal and can actually allow you to generate income. Pyramid schemes convince those interested to invest hundreds or thousands of dollars...
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5 Ways to Make Better Financial Decisions

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We’ll spend our entire lives making financial decisions. The wrong decisions can be difficult to undo and can cause major financial troubles. Good decision making takes some practice, but here are some guidelines to help you make better financial decisions. Think through your decisions. Avoid making major decisions on impulse. Otherwise, you’re more likely to make a mistake. When you’re faced with a financial decision, take time to think through the choice. Consider all the factors...
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How to Ask for a Raise at the End of 2017

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With 2017 coming to an end, it won’t be long before you turn your attention to the new year. This can mean many things to you both on a personal and professional level. As an employee, you may have one thing on your mind at this time: earning more money in 2018. While there are many ways to reach this goal, one of the best is to simply ask for a raise. There is no guarantee...
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NDYL, Part 5B: Relapse Recovery (Yes, Virginia, there is a way to make it happen, even at Christmastime)

“The best laid plans of mice and men oft go astray.” True dat, Robert Burns. True dat. I don’t know anything about Mr. Burns, the poet who penned those wise words, but I suspect he must have had children. If all had gone according to plan I would have finished this half of the “Relapse Recovery” column weeks ago and the holiday shopping tips I was going to share would still have relevance for most of...
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3 Ways to Save More Money for Retirement

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Are you finding it difficult to save enough money for retirement? Are regular monthly contributions not doing enough for you? Are you seeking new ways to save more money? If you find yourself in this position, it’s safe to say that you’re not alone. There are many people in the same spot as you, with some realizing that there is no better time than now for a change. Here are three ways to save more money...
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