Personal Finance Articles

Make a new friend today - get a credit card - Posted by Adam Singleton.

Overuse of your credit card may have been fun but also could have landed you in debt. Fortunately cards can also be used to help you out of the red!

Banking in cyberspace: online banking on the up since 2001 - Posted by Adam Singleton.

APACS - the UK payments association - has just released five-year growth statistics for telephone, online banking and e-commerce, from 2001 to 2006.

Millionaire Wheel Of Life - Are You Living Fully In All Areas Of Your Life? - Posted by James Lee Valentine.

Think of your life as being like a wheel with ten spokes, each one representing a separate area of your life, and you will attain greater financial success. This "Millionaire Wheel Of Life" article is intended for those individuals who desire to attain a net worth of one million dollars or more. Written in the first person, it weaves you into its financially empowering fabric and you literally become a part of the message.

Credit where credit’s due: a borrower’s guide to credit ratings - Posted by Paul McIndoe.

Many prudent people have never had to borrow money, effectively meaning they have zero credit history. But there are ways to build a good credit rating to maximise borrowing options when you need them

From learning to earning: student debt and practical solutions - Posted by Paul McIndoe.

For many students, debt is a simple fact of life that must be faced and managed accordingly. But its how this debt is managed that will be key to financial security for many years after graduation.

After the floods, home insurance is on the mind - Posted by Paul McIndoe.

Many people are taking a closer look at their home insurance policies after the devastation of the floods this year and it's easier than ever before to research policies as more insurers offer home insurance quotes online.

Improving Credit Score - Posted by Diane Palmer.

It can happen to anyone, and I mean anyone!.. You finally pay the last payment on that annoying credit card or bill, you are so proud of yourself!, you cut up the card, wash your hands of it and you think you are done. Then maybe you change addresses a couple of times, and you don't get that final notice from them about a couple of dollars in interest charges they feel you still owe them.

They tell you in a whisper, that your credit score is a bit low.. and therefore you can't have the best interest rates. Now what?.... You get a copy of your credit report, and you see this unpaid bill, even maybe one that is not even yours... (it can happen, human error etc) and now you try to dispute or at least pay this unpaid bill. You can't seem to find any of your last statements from then, and they are not being the most co-operative, only talking to you during working hours, and you are very busy with your job and family, and this problem just keeps on going!

I know this sounds like a broken record, but you have to get on top of this, pay the outstanding bill if you do owe it, and dispute the ones you don't or you will for ever have this report following you when you make big purchases that require a loan. Better yet, if you just can't deal with it, get someone who can.. There are companies out there now, that will help you get back on track, they will work for you, while you continue on with daily living, and will get you back on track, so that you get those best interest rates, in the end this could save you thousands of dollars, and will be worth their fee in the end.

Get a copy of your credit report periodically and make sure it is OK.. Simple errors can be fixed, just don't wait until you need a loan! My bank accidentally put 5 mortgages on my credit report, that were not even mine!! I showed them, they were embarrassed and removed them.. but sometimes you need help, so get it now, don't end up paying for someone else's mistake, with higher interest rates or even a loan refusal.

From piggy bank to savings account: the benefits of saving - Posted by Paul McIndoe.

As children, many of us began saving by plugging our pocket money into a piggy bank. It's a good early lesson in money management, but as adults, it's necessary to do more than just stash your cash under the bed.

Focus on Abundance 2 - Posted by Sandy Forster.

Abundance, Wealth, Prosperity, Financial Freedom – we all crave it, not just for what the money will do, but for the choices it will give us, for the fun we can create with it, for the life we can live with it. Why is it that some people seem to attract money and riches so easily, and others live their entire lives struggling to make ends meet?

The 7 Immutable Laws of Building “True Wealth” - Posted by Marlon J. Broussard.

I have come to realize that my core beliefs about economics, finance, capitalism, business, money, consumerism, and the like, are all contrary to how our world functions today. Now, the questions to ask are rather simple; Does that make the “Worlds” way of functioning wrong?, Are those who make their livelihoods through this way of functioning, bad for doing so?, Are you an anarchist?

The simple answers to these three questions are no, no, & NO!