Fix My Finances
Helping You Get “Back In The Black”

Since credit cards are short term debt, many people get into a deep rut with debt and it becomes increasingly difficult to get out. Most credit card interest APRs range from 10-20% a month. This is an inordinate amount of money to pay each on INTERST. Since credit card sometimes appears to be ‘magic money’ [...]

Whether shopping for new shoes or looking to take that dream vacation, be a frugal shopper. The internet is a powerful resource that allows you to consolidate and sort through millions of pieces of information that otherwise would be impossible to manage. For example, when shopping for airline tickets, www.kayak.com sorts through many other search [...]

It is important for everyone to create an emergency fund separate from other checking or investment accounts. An emergency fund is a pool of money that is put aside in order to aid people when unforeseen situations arise. At any given time, emergencies can arise that require us to spend large sums of our paycheck [...]

The single most important concept when it comes to investing is the idea of Time Value of Money(TVM). Even more important than picking the right stocks or funds, TVM is the idea that money is more valuable today than at any given time in the future. And although this concept seems elementary, it is something [...]

What goes into a credit score and how do those outstanding credit card debts affect it? There are several different sets of data that are computed to find your credit score. First, historical data on how you have effectively (or ineffectively) paid your bills. Do you pay your bills on time? If not, is there [...]

Step 1: START EARLY! The difference between starting at 20 and 30 and HUGE. For your money to truly reap the benefits of compound interest, TIME is the single greatest factor. Start as early as possible and encourage friends and family to also start now! Step 2: Set up a budget. Ensure that all of [...]