Author Archives: Tom King

4 Basic Places to Save Money

Saving is basically putting aside money or a way to utilize your present income for future use.  One saves for several reasons such as for a college education, buying a new car, for a new TV set you wish to acquire in three to four months time, for down payment on a home, or to provide for yourself when retirement comes.  As much as there are several reasons for saving, there are likewise many methods in which one can save. In most instances, the best method can […]

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11 Tips To Live A Frugal Lifestyle

The word “frugality” has left a more negative connotation for most people than simply being a saver, a cheapskate or tightwad. There is a thin line difference to saving and too much frugality to the point of being awkward and ridiculous. This is where the negative connotation comes from. But if you are guided with the right principles and reasons in deciding to live a frugal life, you would never go wrong. If you have decided to live frugally, no need to be worried of insults. Keep […]

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7 Tips Raise Your Credit Score

Having a high credit score can mean the difference of thousands of dollars of saved interest expense compared to others with a lower score. For example, if you improve credit score results from the credit bureaus, just a few points that increase your credit score can make huge difference in the interest rate you will pay for a home purchase. It pays to increase your credit score!

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A Little Goes a Long Way: Smart Secrets to Budgeting

There’s nothing more we want than to be able to efficiently manage our money. After all, the money that we want to manage is money that is oftentimes, hard earned. This is where a budget comes in. A budget executed properly, should help you see where your money is going, get more utility out of every buck, and help you save some extra for future use. The first smart secret to a budget is to set a goal. What do you want to achieve? Do you want […]

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These are the 5 Things a Personal Finance Trainer Wants You to Know

You know your obsession with tracking your daily steps on your fitness app? (Ten thousand or bust.) Just imagine if you paid the same amount of attention to your financial fitness—you’d be totally winning at personal finance. That’s what Shannon McLay—founder of the Financial Gym—wants you to do. And at our recent Wellness Collective event with Athleta, she shared the five specific things you need to know to make your financial goals just as much a reality as your daily cardio, starting with this bit of wisdom: […]

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The Simple $10 Debt Elimination Solution

Ask a friend what resolutions they made for the new year and your bound to hear them reply Pay off my credit cards. Ask them how they planned on reaching that goal and many of them will not have a clear cut answer. The obvious first step to paying off credit card debt or paying down credit debt load is to cut back or eliminate the use of your credit cards. For some people this first step can often be the most difficult. If youre used to […]

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Don’t Continue To Be A Slave To Out-Of-Control Personal Finances Try These Tips

It is strange that, considering the vital nature of the subject, many people lack training in managing their personal finances. Personal finance skills can save money, improve savings and increase one’s effective income. Fortunately, it is never too late to educate yourself on the subject. Here are a few quick personal finance tips that anyone might find useful: If you make too much money to qualify for Chapter 7 bankruptcy or want to retain your assets, file for Chapter 13 bankruptcy instead. This type of bankruptcy allows […]

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