Finance Globe

We’ve all heard the phrase, “Time is money,” but do we really believe this? Do we behave this way? If you’re having financial trouble, consider whether your time management may be, at least partially, to blame. Mismanaging your time can impact your money in ways that aren’t immediately obvious. Do You Spend Enough Time on Your Finances? Being a poor manager of time, you may not set aside enough time to pay attention to your money....

How many times have you said to yourself “If I only had more money?” as you poured over a stack of bills or laid awake thinking about your finances? It may not be much consolation, but you’re not alone. Lots of people have the same thought, that having more money would solve all their money problems. Unfortunately, that may not necessarily be the case. The money you have, or don’t have, isn’t necessarily the reason you...

One of the happiest times in a couple’s life is joining together in holy matrimony. As you settle in your life together, one of the decisions you’ll have to make it whether to have separate or joint bank accounts. There are pros and cons to each, so think through the options. Joint accounts With a joint account, both spouses’ names are on the account. You’ll probably both deposit your checks into this one account. When it’s...

Graduation, birthday, wedding, Christmas are all occasions when you’re likely to receive gifts and what better gift than cash. With cash you can buy whatever you like and possibly an even better gift than the giver would have purchased in the first place. While you may be inclined to blow the cash on electronics, clothes, or a vacation, there are some wiser ways you can use your gift. For a big occasion, like graduation or wedding,...

Do you often find that you run out of money before your next payday comes? Feel like your money should stretch further than it actually does? Do you frequently overdraft your checking account? If you make enough money to cover your living expenses, but you’re continually broke, you may be wasting money, you know, spending it on frivolous things. Here are some signs that you’re wasting money. Pay for subscriptions you don’t use. The gym charges...

We know that saving money should be on everyone’s list of financial priorities, yet not many of us are actually saving money. The national personal savings rate as a percentage of disposable income in March 2013 was only 2.7%, according to the U.S. Department of Commerce Bureau of Economic Analysis. That means Americans only saved $2.70 for every $100 of disposable, or after tax, income. If you have big goals to reach, you may have to...

Growing up, we're repeatedly told, “Mother knows best,” but people don’t believe that’s true in all situations. In a recent survey from the National Foundation for Credit Counseling, a majority of respondents answered negatively about their mother’s personal finance skills. 21% said their mom was intimidated by financial matters and avoided them26% said their mom saw managing money as a necessary evil and didn’t enjoy it18% said their mom has never managed money on their own....

The wedding industry is booming. In 2012, the average wedding cost $25,656, MarketWatch.com cites The Wedding Report. Much focus is placed on helping the bride and groom save on the money spent on their big day, but it’s not just the brides and grooms shelling out cash. Wedding party and attendees also spend several hundred, maybe even thousands of, dollars on the wedding, especially an out of town or destination wedding. Expense of Attending a Wedding...

Last week, Earth Day was celebrated by more than a billion people across 190 countries, the Energy Department reported. First started in 1970 to encourage environmental reform, Earth Day is a time for each of us to take steps to protect the planet’s natural resources so they will be available for future generations. And as an added benefit, these actions also save us money.ElectricalUpgrade old appliances to energy efficient appliances - look for the Energy Star...

Some surprises are welcome: a surprise birthday present, a surprise engagement, a surprise job promotion. However, when it comes to your finances, surprises are typically not appreciated. Avoid many surprises by staying in the know with your own money. Read your mail. Banks and other businesses will typically send account notifications to you by mail. Sometimes notices are included with your regular billing statements or they may be mailed separately. Often, important notifications are sent in...