Finance Globe

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

How Will You Use a Personal Loan?

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Are you interested in applying for a personal loan? Do you have reason to believe this could be the best way to fund an upcoming purchase or deal with an unexpected expense? Are you on the fence as to whether or not you should use a personal loan? There are many benefits of a personal loan, including the fact that these are unsecured. In other words, the lender doesn’t require any collateral. Note: unsecured loans typically...
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Frank
I was able to get a personal loan for a very loan introductory rate (actually 0% for 18 months) for a home improvement project. I ... Read More
Friday, 23 February 2018 14:31
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5 No-Fail Steps to Meet Your Savings Goals

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Saving money isn’t the easiest thing to do, especially if you’re not a saver by nature. But with a solid goal and a clear plan, you can meet your own personal savings targets. Here are a few steps to take to make it happen. Set a goal. To be able to meet your savings goal, first you have to set one. Don’t just set your goal based on a random number you pull from thin air....
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Frank
Having someone else accountable really helps as well. For example, my wife and I both help each other meet our savings goal!... Read More
Friday, 23 February 2018 14:31
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5 Steps to Take If You Get a Raise This Year

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All your hard work has finally paid off and your boss has just informed you that you’ve received a raise effective on your next paycheck. Many people automatically start thinking about how much additional money they’ll be able to spend each month. It’s understandable that you want to use your extra money to improve your life, but makes sure you’re being smart about it. Don’t assume anything until you see your paycheck. A 5% increase in...
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Frank
My wife and I were both lucky enough to get a raise this year. We decided to increase our debt payments up the same amount. This w... Read More
Friday, 23 February 2018 14:29
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Did You Blow Your Holiday Budget?

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With the holiday season slowing moving into the past, it won’t be long before you’re reviewing your budget to see where things stand (if you haven’t done so already). Like many, you may find  that you overspent during the holidays. From gifts to food, from travel to entertainment, you didn’t make the best decisions over the past month or so. Here are three important steps to take if you find yourself in this position: •    Assess...
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These Expenses Could be Sinking Your Budget

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When you look at your budget are you happy with what you see? Have you come to realize that you just can’t get some expenses under control? Are you having a difficult time even understanding where your money is going? Even if you have a firm grasp on your budget, you know that things can quickly spiral out of control. And that’s why you have a budget in the first place. With this in mind, it’s...
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Frank
Every month I look at how much I spent on eating out and it makes me very angry! It is crazy how eating out adds up. This is my ma... Read More
Friday, 23 February 2018 14:26
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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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