Fix My Finances

Owning a home is financially beneficial only if you have enough income to both use the tax deductions and pay for the utilities, taxes, insurances, and maintenance. A large risk associated with property ownership is that it will decrease in value. Yes, I said de-crease. It happens. It happens all the […]

When I first started putting money in a Roth IRA for retirement, I definitely didn’t understand the concept. I didn’t even buy stocks with it at first. I couldn’t figure out why my money wasn’t growing until I realized that it was just essentially sitting in a money market account. Oops. Guess I should have […]

One of my good friends recently told me that she is looking to buy a condo within the next year. At twenty-four-years old, I am proud of her ambitiousness. When i was younger (granted I am only 25 now) I never realized how smart it is to actually own your own home. Growing up in […]

Why is it that every time I decide that it is time to save money, something breaks or needs replacing?! Just yesterday I wrote a post detailing a reward program that I thought would help me save money. Depending on how often I used or how much I put on my credit card, I would […]

Logically I know that I have to stop spending money. At least I am aware of it and that is, I suppose, half the battle. Well, if not half the battle then it is at least the first step. It’s just that I am able to justify my spending most of the time. That weekend […]

I tried to post this as a comment but, unfortunately the system wouldn’t let me.
So, that really was great advice and I thank you for it. (I hope everyone reads it…it was the first comment to my last post.) I’ve actually been doing just what you said. Luckily, the two credit cards that I use […]

It wasn’t so long ago that I had paid all of my credit cards down to zero. Considering the six months I lived in Europe, financed almost entirely on credit, that was no small task. And yet I am now back in a bit of debt. It’s not nearly as much as it used to […]

The ways banks find to earn more from customers truly boggles my mind. On bank-issued credit cards, we used to receive the lowest exchange rate when purchasing something abroad. It made sense to use your credit card when traveling outside the U.S. Recently banks changed which exchange rate will be used, […]

It’s that dreaded day for all Americans, or at least those who have to pay taxes: tax deadline day. I’ve been seeing a lot today about how it isn’t a bad thing to file an extension, in fact, some things I’ve read say it can actually prevent you from being audited.
About nine million Americans […]

I came across a press release this morning for an interesting sounding book about helping people get out of debt. It’s called Credit Hell: How to Dig Out of Debt.
The book is said to help people understand their attitudes about money, where their money goes and how to change their habits and find ways to […]