Budgeting and Savings

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Personal Finance | Budgeting and Savings | Wiseradvisor.com
Four Top Tips For Households Surviving On One Income

A family's finances dropping from two to one income can be a tough transition to manage. Splurging on luxuries and treats is a tough habit to break, but each year thousands of families find themselves having to do just that....
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Personal Finance | Budgeting and Savings | Wiseradvisor.com
Top 5 Ways To Ease Childcare Costs

Returning to work after having a baby is inevitable for most parents. However, childcare costs are hefty and substantially eat into a family's income. The average cost of a child, aged four years or younger, attending...
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Personal Finance | Budgeting and Savings | Wiseradvisor.com
Save Money Without Changing Your Lifestyle

We're all only too aware how difficult it can be to live a normal lifestyle without incurring a mountain of debt these days. Sadly current world economic trends show this isn't likely to change in the short term but in the...
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Personal Finance | Budgeting and Savings | Wiseradvisor.com
Why You Should Avoid Black Friday Sales

When money is tight, every dollar counts. As tempting as it may be, remember that Black Friday shopping doesn't really mean savings, it just means that you've spent money that could have otherwise earned you more. By Paula...
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Personal Finance | Budgeting and Savings | Wiseradvisor.com
6 Surefire Tips to Save Money All Year Long

Most of us know we should save more money than we’re currently saving ... but that’s easier said than done. If you feel like you’re scrounging for change and can’t figure out how to possibly save...
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Personal Finance | Budgeting and Savings | Wiseradvisor.com
7 Reasons You Should Automate Your Bills and Savings in 2015

Do you hate keeping track of which bills are due when? Do you find yourself reaching the end of the month and wondersing where all your money went? Do you want to save more, but you never seem to have enough left...
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Personal Finance | Budgeting and Savings | Wiseradvisor.com
7 Tips to Keep You On-Budget This Holiday Season

It's that time of year again. Stores are running festive commercials, your local coffee shop is offering gingerbread lattes, and you're beginning to worry about how you're going to afford another round of "the most wonderful...
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Personal Finance | Budgeting and Savings | Wiseradvisor.com
Why I'll teach my kids how to manage their money

I came across this article titled How to Teach Your Kids Money Management and I thought about how important it is to teach children about their finances early. Personally, I cared about saving money at a younger age and it...
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Personal Finance | Budgeting and Savings | Wiseradvisor.com
New vs Used Cars - Pros and Cons

New cars can be a real source of joy and pride, and that new car smell can be irresistable. But is buying a new car the smartest thing you can do with your hard-earned dollars? Buying a new car comes with many hidden costs....
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Personal Finance | Budgeting and Savings | Wiseradvisor.com
Tips for Keeping Your Monthly Food Bills within Budget

The prices of food products are on a continuous rise. According to recent studies, families of four can have an approximate monthly charge of $1,200 on food bills alone! However, whether you are feeding a family or just...
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Personal Finance | Budgeting and Savings | Wiseradvisor.com
Unconventional Saving Methods That Work

Saving money can be hard and many people - around three quarters of Americans - don't have a rainy day fund. But it doesn't have to be that way. How you save money is up to you  no one can judge you on how quirky the...
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Personal Finance | Budgeting and Savings | Wiseradvisor.com
Here's How You Can Save Money on Your Next Vacation

Everyone loves to travel, but hotel costs can put a big dent in your wallet. It doesn't have to be that way. If you're equipped with the right tools and knowledge, you can save yourself a few bucks on hotel bookings and get...
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Personal Finance | Budgeting and Savings | Wiseradvisor.com
Tips for Taking Advantage of Employer Savings Plans

By Paula Pant. Trying to save more, but not sure how? Employer savings plans are a great way to add to your retirement fund or savings goals. If your employer offers one and you're not taking advantage of it, you should be...
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Personal Finance | Budgeting and Savings | Wiseradvisor.com
Everyday Ways College Students Can Save

By Paula Pant. Let's be real: Even if you can snag some great scholarships, college can be astonishingly expensive. Between books, coffee to fuel those late-night study sessions and the occasional pizza with your roomies,...
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Personal Finance | Budgeting and Savings | Wiseradvisor.com
Enjoying a Staycation? 15 Tips to Keep It Frugal and Fun

By Paula Pant. Who says you need to go to a fancy resort to have a great vacation? Staycations are as popular as ever, with many people opting to enjoy their time off at home and skip the hassle (and cost) of a...
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Personal Finance | Budgeting and Savings | Wiseradvisor.com
Are You Saving Enough?

The national savings rate has been steadily declining since 1944, when it peaked at 26.1 percent. In the late 1990's, when the market was at an all-time high, the rate was down to 2.4 percent. Currently the rate...
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Personal Finance | Budgeting and Savings | Wiseradvisor.com
Strategies Designed to Meet Your Financial Goals

Close your eyes and visualize your dream vacation or the shiny new car that you've always dreamed of having. Sure, looks great! Unfortunately, for many of us the planning stops right there. With a little planning and...
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Personal Finance | Budgeting and Savings | Wiseradvisor.com
Dollars and Sense

Dollars and SenseDollars and SenseDollars and SenseDollars and SenseDollars and SenseDollars and SenseDollars and SenseDollars and SenseDollars and SenseDollars and SenseDollars and SenseDollars and SenseDollars and Sense...
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Personal Finance | Budgeting and Savings | Wiseradvisor.com
For Richer Or Poorer

Every spousal financial relationship is unique. Through the years, couples develop their own systems for handling financial matters. Sometimes it is one partner's responsibility to manage all finances, sometimes the other's...
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Personal Finance | Budgeting and Savings | Wiseradvisor.com
Never Give An Adult Child Your Credit Card

Your adult son or daughter is having cash flow trouble and they are having a hard time getting refinancing or credit on their own right now. After some discussion and much thought, as parents trying to help out, you offer...
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Personal Finance | Budgeting and Savings | Wiseradvisor.com
Tailor Finances To Fit Your Stage In Life

The media offers a lot of advice on picking the best stocks, but not enough is written about selecting the best strategies based on your age and stage in life. In her book How Much Is Enough? Balancing Today's Needs...
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Personal Finance | Budgeting and Savings | Wiseradvisor.com
Increase Your Wealth: Why Is Budgeting Important? Why Do I Need One?

Setting up a budget may be one of the few ways you can seize control of your finances before allowing matters to drift towards disaster. Disaster can take many forms, such as: Not being able to take advantage when...
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Personal Finance | Budgeting and Savings | Wiseradvisor.com
Get Your Spending under Control

If you are trying to increase savings, remember that savings are directly tied to spending - the less you spend, the more you have to save. Some tips to consider to help get your spending under control include: Analyze...
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Personal Finance | Budgeting and Savings | Wiseradvisor.com
Stretching Your Salary

Even though all indications are that the economy is recovering, that doesn't necessarily mean that a large raise is on the near-term horizon for you. Your best bet for the near term is to make your current salary stretch...
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Personal Finance | Budgeting and Savings | Wiseradvisor.com
Changing Your Spending Habits

My colleague Dr. Dan Elash preaches: "If you want to change any habit, change the actions that produce the habit. More folks start self-improvement programs to change personal habits at the beginning of year than at any...
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Personal Finance | Budgeting and Savings | Wiseradvisor.com
Examining Your Financial Behavior

In an essay on risk, Nobel Laureate Kenneth Arrow asks us to consider the difference between gambling versus regularly paying premiums to an insurance company. The mathematical probabilities indicate that we will lose money...
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Personal Finance | Budgeting and Savings | Wiseradvisor.com
10 Ways to Save Money on Gasoline

Walking, Biking or the bus isn't an option for most of us who don't live and work in the city. The thriving metropolis of Harwinton doesn't offer subways. Inflation isn't something people have paid much attention to in the...
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Personal Finance | Budgeting and Savings | Wiseradvisor.com
Money Saving Ideas

Here is a compilation of several simple ideas to save money each month: Shop off season, buy Christmas decorations in early January or Late December. Buy a Generator in August. Wait 30-90 days for a large purchase. If...
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Personal Finance | Budgeting and Savings | Wiseradvisor.com
The Basics of Credit Scores

When lenders evaluate a credit application, they usually request both your credit report and your credit score, which is a mathematical calculation based on information on your credit report. The score is intended to rate...
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Personal Finance | Budgeting and Savings | Wiseradvisor.com
Focus on the Fundamentals

When faced with all the decisions that need to be made to ensure you select the proper investments to meet your long-term financial goals, it's easy to become overwhelmed. How do you choose an optimal combination of...
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Personal Finance | Budgeting and Savings | Wiseradvisor.com
Is Saving 10% Enough?

A common rule of thumb when planning for retirement is to save 10% of your gross income during your working years. Since this rule of thumb has been around for a long time, it is logical to question whether it is still an...
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Personal Finance | Budgeting and Savings | Wiseradvisor.com
Setting Financial Goals

Properly designed, your financial goals should provide the motivation you need to control your spending. Often, individuals develop vague goals such as paying for a child's college education, getting out of debt, or retiring...
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Personal Finance | Budgeting and Savings | Wiseradvisor.com
The 10% Solution

Million-Dollar Investment on a Shoe-String Ninety percent of the families in America are still living paycheck-to-paycheck, always finding too much month left over at the end of the money. Living paycheck-to-paycheck is a...
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Personal Finance | Budgeting and Savings | Wiseradvisor.com
What Happened to Personal Saving?

For years, we have heard that our personal savings rate is dismally low. However, that knowledge has not led to an increase in savings. Instead, personal savings as a percentage of disposable income has continued to hover at...
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Personal Finance | Budgeting and Savings | Wiseradvisor.com
Increase Your Wealth With Certainty

Which do you find more fun, spending or saving? If you answered saving, I'd be very surprised! Most people, me included, love to buy things. I'm not saying that most people don't desire savings. Many, in fact, do! ...
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Personal Finance | Budgeting and Savings | Wiseradvisor.com
0.37% for you, 18% for them

This is the attitude that banks in America have. If you would like to keep your hard earned savings on deposit with them, they will gladly pay you .37% interest (maybe a bit more if you have a benevolent bank). If you would...
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