Finance Globe

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

Starting a Business? You Better Plan for These Expenses

money-funding-2-trees
Are you in the process of starting a business? Are you creating your business plan to help guide you through the startup phase? Do you have some concerns about the cost of getting your company off the ground? No two businesses are the same, so it’s hard to know exactly how much you’ll spend on startup costs until you dig into the finer details. Even so, some expenses are common across the board. Here are five...
Continue reading
  2048 Hits
  1 Comment
Recent comment in this post
Frank
I will tell you no matter what business you start, you are likely underestimating your expenses and overestimating your sales, esp... Read More
Monday, 30 April 2018 16:37
2048 Hits
1 Comment

3 Simple Ways to Save Money on Gas

gas-pump-truck
Do you find yourself spending entirely too much money on gas every month? Are you hoping to reduce this expense? Have you tried and failed to do so in the past? With the national average gas price hovering right around $2.52/gallon (regular), now’s not the time to ignore this expense. Instead, it’s up to you to find ways to save a few dollars here and there. Here are three simple steps you should consider taking in...
Continue reading
  1699 Hits
  2 Comments
Recent Comments
Wanderer
Following on the authors comments ... being organized in your travels may lead to fewer miles driven. Lay out your route with stop... Read More
Friday, 19 January 2018 13:41
Frank
I get all of my gas from Kroger, which gives me $0.10 per gallon. This helps quite a bit over time.
Monday, 26 February 2018 15:35
1699 Hits
2 Comments

How Will You Use a Personal Loan?

figuring-out-bills-credit-card1
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...
Continue reading
  1658 Hits
  1 Comment
Recent comment in this post
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
1658 Hits
1 Comment

5 No-Fail Steps to Meet Your Savings Goals

budget-efficient1
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....
Continue reading
  1662 Hits
  1 Comment
Recent comment in this post
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
1662 Hits
1 Comment

5 Steps to Take If You Get a Raise This Year

happy-success-people
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...
Continue reading
  1661 Hits
  1 Comment
Recent comment in this post
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
1661 Hits
1 Comment

Did You Blow Your Holiday Budget?

holiday-budget-exceeded
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...
Continue reading
  1456 Hits
  0 Comments
1456 Hits
0 Comments

These Expenses Could be Sinking Your Budget

sinking-budget
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...
Continue reading
  1497 Hits
  1 Comment
Recent comment in this post
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
1497 Hits
1 Comment

Don’t Overspend on These Items This Holiday Season

online-christmas-shopping-woman-credit-card-laptop
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...
Continue reading
  1561 Hits
  0 Comments
1561 Hits
0 Comments

What to Know Before Applying for a Joint Loan

apply-joint-loan-man-woman
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...
Continue reading
  1953 Hits
  1 Comment
Recent comment in this post
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
1953 Hits
1 Comment

How to Save Money on the Cost of Prescription Medication

save-money-on-prescription-medication
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...
Continue reading
  1484 Hits
  1 Comment
Recent comment in this post
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
1484 Hits
1 Comment