Finance Globe

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

By accepting you will be accessing a service provided by a third-party external to https://www.financeglobe.com/

Interested in a Personal Loan? Here’s Some Advice from the Pros

personal-loan-man-woman-at-desk
In general terms, a personal loan is a fixed amount of money that you borrow at a fixed interest rate for a predetermined period of time. Furthermore, it’s typically an unsecured loan, meaning you don’t have to put up any collateral in order to receive the funds.Flexible terms make a personal loan an intriguing option, as you can borrow the money you need without concerns about changing terms putting stress on your budget in the future.But...
Continue reading
  2160 Hits
  0 Comments
2160 Hits
0 Comments

Retirement Planning for 2020? Answer These Questions

retirement-beach-couple
With 2019 coming to an end, it’s a good time to turn your attention to the new year. This means many things in regards to your finances, with most people realizing the importance of reviewing their retirement plan and adjusting it as necessary.There is no one-size-fits-all solution to retirement planning. What works for you may not work for the next person, and vice versa. However, if you want to stay the course, there are some key...
Continue reading
  1098 Hits
  0 Comments
1098 Hits
0 Comments

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
  921 Hits
  0 Comments
921 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
  1114 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
1114 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
  1085 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
1085 Hits
1 Comment

Five Tips for Budgeting a Fluctuating Income

budget-faling1
Coming up with a solid budget is tough even when you have a regular income from a job or business. Budgeting a fluctuating income can be even more difficult because you can't be sure how much money you're bringing in. In these situations, having a plan for to manage an unpredictable income becomes even more important to ensure all your monthly expenses are met without getting into debt or overdrafting your accounts.When you're self-employed, working part-time,...
Continue reading
  1546 Hits
  0 Comments
1546 Hits
0 Comments

5 Ways to Save on Car Insurance in 2020

new-cars-1
With 2019 winding down, there’s no better time than now to turn your attention to the new year. As 2020 inches closer, it makes sense to review your budget with an eye toward saving money.Did your car insurance premium creep higher this year? Are you looking to save money as the year turns?A car insurance premium increase isn’t always directly related to your personal situation. For example, rates often increase as a result of market conditions.You...
Continue reading
  2110 Hits
  1 Comment
Recent comment in this post
Wanderer
Great Blog as you pointed out the many aspects for personal insurance. In my case, I was loyal to a company for thirty years and... Read More
Thursday, 07 November 2019 21:15
2110 Hits
1 Comment

Getting Your Credit Back on Track After Bankruptcy

woman-frustrated-debt-credit-cards
Filing bankruptcy can affect your credit more than almost anything else, but that doesn't mean you should avoid bankruptcy if it's the best solution to get your finances back on track. Bankruptcy can be the perfect opportunity to start over and rebuild your credit. Here's how you can do it.Make sure your bankruptcy is reported correctly.Order copies of all three of your credit reports. You can use AnnualCreditReport.com if you haven't already received a free credit...
Continue reading
  1018 Hits
  1 Comment
Recent comment in this post
Frank
Very helpful information! I hope everyone can get back on track from bankruptcy.
Thursday, 31 October 2019 10:06
1018 Hits
1 Comment

Budget Friendly Gift Ideas for Friends

scrap-book-gift
Every year, I make it a goal to have my holiday shopping completed before the holidays actually hit. Planning ahead for holiday gifts can not only help you to save on stress, but save on cash as well. Here are a few budget-friendly holiday gift ideas.An Amazon gift card: Warehouse stores, such as Costco and Sam's Club, sell gift cards for less than their face value. You can also often find bulk packs of gift cards...
Continue reading
  1005 Hits
  0 Comments
1005 Hits
0 Comments

Daily Habits of Frugal People

coupons-scissors
Some people can be very frugal. In certain economic environments frugliaty is very important and can help you save money or survive in an economic downturn. Frugality is more than just clipping coupons. Being frugal is about aiming to get the most value from life's resources, including stretching your budget to its fullest potential. In working toward achieving that value, frugal people tend to adopt a wide range of daily habits. Below are the habits I...
Continue reading
  970 Hits
  0 Comments
970 Hits
0 Comments