Tag: savings account

Excellent Article With Great Ideas About Personal Finance

August 24, 2020 by Jason Williams·Comments Off

TIP! With the recent downturns in the economy, diversifying your savings across different areas is a smart move. Spread that money to different accounts such as checking, savings, stocks, gold and other high-interest bearing accounts.

They say that money is the root of all evil. With a little knowledge, though, it does not have to be overwhelming. The following article provides tips on how you can find easier ways to deal with your money.

TIP! Creditors like to see borrowers manage more than one credit account; it is important, however, to keep this number under four. Using one credit card will make it harder to build your credit up, however, using too many cards can also negatively impact your credit.

Stop spending money on things that promise you money overnight. This is a trap that many Internet marketers fall into. If you execute what you pay to learn, then your profits will increase greatly.

TIP! A good credit rating will earn you a lower interest rate on large purchases, such as a home or new car. The interest rates for both of these are large.

You can better understand where your money goes when you write down how much you spend every day. However, if you put this into a notebook that you can just shut and put away until you deal with it later, you may find it just gets ignored. Try listing your expenditures on a whiteboard located in your room or your home office. By seeing it frequently, you will be reminded to stay faithful to it.

TIP! You may not know that after a certain period of time, debts expire. Ask experts when your debt expires and avoid paying collection agencies that attempt to collect money for older debt.

Most new products already come with a 90 day or one year warranty, and if your item is going to mess-up, it probably will within that time frame. You lose out when purchasing an extended warranty; however, the business benefits greatly.

TIP! Eliminate incandescent bulbs and use CFL bulbs instead. By replacing your regular bulbs with high efficiency CFL bulbs, you will lower your electricity bill, as well as help the environment.

Use multiple credit cards instead of maxing one out. You will pay less interest on two payments than one maxed out card. This should not have as bad an impact on your score as a maxed card would. You could possibly help your score through managing the cards wisely.

Savings Account

TIP! Find a bank that offers free checking. Possible options to consider are credit unions, online banks, and local community banks.

Consider getting a savings account to put money aside every month. With a savings account, you can avoid needing a loan when finances are diminished or if something unexpected occurs. Contribute what you can every month, even if it is very small.

TIP! Before credit repair can occur, debt relief must first take place. You’ll need to cut back your spending so that you can completely pay back all your debts.

If you need to buy more product than you need, a grocery store sale may not be so great. You will only save by stocking up on groceries if you eat everything before it spoils. Do not go overboard, then you will be able to enjoy a sale.

TIP! Pay the utility bills for your home on time each and every month. Paying them late can damage your credit rating.

Your car is a very important purchase that you have to make during your life. Comparison shopping with all of the different retailers available to you is the best way to make sure you get a good price on a car. If you cannot find reasonably priced cars, try looking online.

TIP! By knowing how much possessions are worth, it can prevent valuable possessions from being thrown out. There may be a hidden treasure in that inherited furniture or old dusty lamp that can add to ones overall net worth.

As mentioned earlier, managing your personal finances often can bring on some stress. If you know how to manage your money, your stress level will drop considerably. The above article was created to help you breathe a little easier when it comes to your finances.

Tips On How To Organize Your Personal Finances

January 30, 2020 by Jason Williams·Comments Off

TIP! Documenting each purchase you make daily can allow you to learn where your money is going. If you are writing things down in a journal and you slack off it will never work for you.

Personal finance is a widely ignored subject among many Americans. This article can cover the basics and the ways you can have your money last for a long time. You will see how to make your money go further, and find out how to supplement your income with side projects.

TIP! A lot of products will come with a warranty, and chances are, if the product is going to malfunction, it will do it in this time period. Extended warranties are hugely profitable for the business, but not for you.

Keep an eye on world news for key information about global market trends. Americans mostly ignore news that is not focusing on the U.S. which is a big mistake. Knowing about international news will help improve your strategy for the market.

TIP! If you want improved personal finances, avoid debt whenever you can. There are certain types of debt that you cannot escape like mortgages.

Carry a small envelope with you wherever you go. Tuck receipts and any cards you pick up from businesses you like into the envelope. Keeping your receipts is a good idea, since they provide records of your transactions. Your receipts can be used to compare statements in the event you are charged twice for a transaction.

TIP! Be mindful of your finances by creating financial plans for your future. Having a solid plan is an effective motivational tool, as it helps you to keep a reward in sight, which is more satisfying than pointless spending.

Set up an automatic savings plan with your bank so that a certain amount of money is transferred to a savings account each month from your checking account. Doing so makes it much easier to save money, since you do not have to actively do so. This can also help tremendously if you need to save for a future event like a wedding, vacation or other event down the road.

TIP! Your car and house are likely to be the biggest purchases you will make. The payments and interest rates on these things is likely going to be a large portion of your budget.

Make sure that you are using between two and four credit cards to bring up your credit score. Only using one card at a time makes it difficult to build up a solid credit score; however, using a greater number of cards than four makes it difficult for you to efficiently manage your finances. Use two cards to start, then add new cards as needed to build your credit.

TIP! Many people spend a significant amount of money trying to win the lottery. Instead of doing this, the money should be channeled to serious investments.

Buying in bulk is only smart if you are using all of the product before it goes bad. You will only save by stocking up on groceries if you eat everything before it spoils. Don’t go overboard purchasing something just because it’s on sale, only get what you truly need.

TIP! If you don’t already have one, consider setting up a flexible spending account. Flexible spending accounts can help you save money on medical costs and daycare bills.

Consider changing to a checking account which is free, or one which carries no service fees. Look at getting an account with a credit union or a local bank; you may also want to check out online banks.

TIP! If the whole family wants an expensive item, then ask each member to contribute to buying it because this will show kids the value of money and make them appreciate what they have. If the whole family can use it, they should pool their money in order to buy it.

Once you know how to manage your money, it is important to put these concepts into action to avoid frittering away what you have earned. Save lots, and do so using a method that yields a higher return than an ordinary savings account at a bank.

What You Need To Know About Your Money

December 26, 2019 by Jason Williams·Comments Off

TIP! Don’t fall for moneymaking scams that sound too good to be true. Many people have fallen into the get rich quick schemes located on the Internet.

The world is just full of people who do a bad job of taking care of their personal finances. Does it feel it’s difficult or even impossible to exercise control over your finances? If you aren’t, this article will teach you how. By reading the following article, you will learn how to better control your finances. Read and analyze this article to help you pinpoint and fix your problem areas.

TIP! With the economy in its present condition, putting savings into varied sources makes good sense. Fund your savings account, maintain your checking as well, and diversify the rest between stocks, retirement accounts and, if possible, gold.

Almost every new product comes standard with warranty that covers 90 days from the purchase date, and some products are warrantied for a year. Chances are, if your item fails, it will do so within the time frame of the standard warranty. An extended warranty is just a way to make more money.

TIP! Avoid paying large fees when you invest. It is common for investment managers to assess substantial fees for the work they do on your behalf.

Avoid paying large fees when you invest. Long term investing brokers charge fees for their services. These fees can eat into your returns. Stay away from brokers who make too much money off of commissions or a fund that costs too much to manage.

Garage Sale

TIP! Protect yourself financially with the best health insurance policy for you. Everyone is bound to get sick at one point or another.

Get rid of unwanted items and make a little money by having a yard or garage sale. You may even want to consider offering your neighbors the opportunity to consign their unwanted things that you could sell at your yard sale for a small portion of the price. It is easy to get creative and have a successful garage sale.

TIP! If you’re in a marriage, which ever one of you has the strongest credit rating should be the one applying for any loans and credit cards. Those with bad credit should build their score with credit cards that can be paid off easily.

Keep student loans to a minimum unless you are confident that you will be able to pay them back comfortably. Attending an expensive school for a major you’re unsure of may put you into serious debt.

TIP! Try to negotiate with any collections agents when they ask for money. Debt collection agencies purchase the debt for a fraction of what was originally owed.

Some people spend $20 to $30 each week in lottery drawings hoping to ‘win it big.’ Instead, invest that same amount of money in a savings account. That way, you’ll increase income over time instead of throwing money down the drain.

TIP! If you travel by air frequently, it can be worthwhile to sign up for a program that rewards frequent fliers. Many credit card companies offer rewards made on purchases that can be redeemed for free or discounted air fare.

You should open a savings account where you can sock away money to use in the event of an emergency. You can save for a specific goal that you have in mind, like paying off credit card debt or saving for college.

TIP! Using a credit card is an awesome idea, rather than using your debit card, which has no added benefits to it, like a rewards program etc. If you get approved for a credit card, stick to using it on essential items, such as groceries and gas for your car.

You can find coupons and discount offers online that might not be available in your local newspaper. Looking for coupons only takes a few minutes and you could save a lot of money.

TIP! You’ll make many important purchases in your life, but your automobile is among the most important. The smartest thing to do is to look around for the best deal.

Speaking with family who is well-versed or who works in the financial field may help one learn to manage your finances. If one does not have a person in their circle that fits this description, someone one knows who is smart with their money is the next best choice.

TIP! If you tend to use lots of money buying Christmas gifts, try making your presents instead. Not only could you save lots of money, you could also avoid the hassle of holiday-time shopping.

Since you are now more knowledgeable when it comes to money, the future is probably looking a little brighter. The future is something you can take care of today if you work on it, so be sure you take care of your finances as soon as you can.

Personal Finance Can Be Easily Managed By Following This Great Advice

February 10, 2019 by Jason Williams·Comments Off

TIP! Stay out of debt as much as you can. Although there may be times that debt is unavoidable, try your hardest not to rack up high balances on credit cards.

If you have an interest in bettering your financial situation, then this article is for you. It contains a boatload of tips for a variety of financial issues.

TIP! It is important that you file your federal income taxes in a timely manner. If you will be receiving a refund, file early to receive your money more quickly.

Consider eating local foods to try to save money when visiting a foreign country. Any restaurants that are located in, or near, your hotel are priced higher to capture the tourist market, so look for food places that are away from these areas. You can find tastier food for less.

TIP! Make concrete financial plans to ensure your personal finances are managed effectively. Having a solid plan is an effective motivational tool, as it helps you to keep a reward in sight, which is more satisfying than pointless spending.

In today’s volatile economy, it isn’t a bad idea to use multiple savings vehicles for your extra cash. Keep some of your money in your savings account and some in your checking account. Invest some in gold, stocks and even in high-interest accounts. Utilize all of these to help keep your financial position stable.

TIP! Your car and house are likely to be the biggest purchases you will make. Payments and interest on these things will be the thing you spend the most on every month.

Don’t trust any organization that guarantees success in repairing your credit. A lot of credit repair organizations will make broad, general statements about what they can do for you to clean up your credit. They can’t fulfill such claims, because credit problems are individual. Do not believe anyone who advertises miracles.

TIP! Try negotiating with collections agencies. It’s likely that they only need a small amount of the total to come out ahead.

Buying your lean protein in bulk will allow you to save time and money. If you use everything you purchase, buying in bulk can be much cheaper. To save time, try cooking it all at once in meals that will last throughout the week.

TIP! Save money by not eating at restaurants or getting take out. Only eat at restaurants on special occasions.

Help manage your personal finances with a good insurance policy. No matter who you are, it’s possible to get sick at any time. This is the main reason in which having a good health insurance plan in place is very important to your life. If you don’t have insurance you will be looking at healthcare bills that could add up to thousands of dollars. That can leave an enormous hole in the pocket if you are without insurance.

TIP! When you get paid, the first thing you need to do is put some money into savings. Saving the money that is “leftover” will leave you with zero savings.

If you want a measure of security in your financial situation, put a specified amount of money every week or month into a savings account. Having funds saved can help you access money quickly in an emergency or because of unforeseen circumstances. What you save does not have be a large amount, but always put something in the account each month. Even saving a little bit each month adds up over time.

TIP! Never spend too much on food you will not eat; even if it is on sale. If you end up throwing out food because it has gone bad, you are essentially throwing out money and negating the bargains.

If your have junk debt buyers breathing down your neck about old debt, know that in many cases, the debt is already uncollectible or will soon become uncollectible. Ask a financial expert to find out when the debt you owe will elapse and do not make a payment to a collection agenct if they are working to collect an old debt.

TIP! It may be more beneficial for you to use credit cards than debit. Put routine purchases like gas and groceries on a credit card.

Once you have faced your financial fears, the topic will not seem quite so daunting and is even something that you’ll be comfortable talking about. This article gives you the information you need to make financial independence a reality for you through hard work and dedication.

Handle Your Money Right: Personal Finance Tips You Need To Know

August 31, 2018 by Jason Williams·Comments Off

TIP! Don’t fall for get-rich-quick schemes or anything that promises easy, effortless riches. This is a trap that many Internet marketers fall into.

You can surely have a peace of mind when you know you have money. Having a sufficient amount of funds certainly eliminates stress caused by financial woes. One of the biggest causes of frustration is a lack of control of personal finances. They say that money cannot purchase peace of mind, but you may want to reconsider that claim.

TIP! Do not sell if it is not the right time for you. If you see that the earnings potential for a stock is there, refrain from selling for a short time.

Remember that you are entrusting your future to the broker you select, so do your homework before you make your final choice. Verify that they have great references and make sure they are honest and upfront with you. Do not let your broker think you have no knowledge or skills related to financing.

TIP! Try to live your life using as little debt as possible. While some debt is inescapable, such as mortgages and education loans, you should work hard to avoid toxic debt like credit cards.

You can better understand where your money goes when you write down how much you spend every day. Make sure, however, that you do not tuck your notebook away and forget about it. Try listing your expenditures on a whiteboard located in your room or your home office. It’s hard to overlook such a large board, so this can help your goal stay on the forefront of your mind.

TIP! Your car and house are likely to be the biggest purchases you will make. A large portion of your budget will likely be devoted towards interest and payments for these items.

Be mindful of when you ought to file your income taxes. Instead of waiting until the last minute, file your taxes as soon as possible to get your return even earlier than usual. If you owe the IRS money, file as close to April 15th as possible.

TIP! It may be possible that your credit score will go down while you are trying to repair your credit. This doesn’t mean you’re doing something wrong.

Work with your bank to establish an automated monthly savings plan that moves regularly scheduled sums from your checking to your savings. This can be a great way to save money. This may also help you with having money for large events, like vacations or a wedding.

TIP! Take advantage of being married and the spouse having the better credit should apply for loans. If you need to improve your credit score, get a credit card you can afford to pay off monthly.

There is a chance your credit score may drop when you are working to repair it. You may not have done anything to hurt it. You’ll observe your score going up over time, so long as your credit report is consistently receiving positive items.

TIP! Stop charging the credit cards you cannot afford. Cut expenses in your budget and start using cash so that you don’t wind up with a maxed out credit card.

If you’re married then you want whichever one of you that has the best credit to apply for loans. Paying off credit card balances is a great way to repair a bad credit report. After your credit is improved, it will be possible to apply for joint credit.

Savings Account

TIP! Obtain a checking account that does not charge any fees. Possible options to consider are credit unions, online banks, and local community banks.

If you want financial stability, it’s important to have an established savings account into which you make regular deposits. A savings account may prevent you from sinking into a loan if disaster strikes. The account becomes your safety net that grows through time. It doesn’t matter if you save a whole lot each month or just a little; what is important is that there is a contribution each month.

TIP! You are going to want to have a good savings in case of emergency. Saving for specific goals, like college, is the best way to prepare for expenses that you know will be in the future.

The previously discussed pointers have, hopefully, helped illustrate a number of ways in which you can get your finances in better shape. Though the contribution in terms of energy and effort may seem daunting, the changes necessary for financial content will make for a happier and healthier lifestyle in future years. These two things will both help you live a happier life.

Know Your Way Around Personal Finance With These Tips

July 5, 2018 by Jason Williams·Comments Off

TIP! If you don’t feel comfortable selling, don’t do it. If you are making a good profit on your stocks, hold on to them for the time being.

Money cannot by joy but it sure can purchase a good piece of mind. Fewer monetary concerns allow us to sleep more soundly and feel less stressed. Many people are unhappy because of messy personal finances. Money does not mean you will be happy, keep reading to enhance your finances.

TIP! If you choose to invest money in forex, keep tabs on trends. Stay informed so you are always ready to sell high after buying low.

Stop wasting money on get rich quick schemes that promise you a fortune. Most of these products are scams. While it’s important to increase your knowledge, rather than spending a lot of money, learn more through actually working.

TIP! Avoid incurring debt for the best personal finances. Though certain debts are hard to avoid, including those for home and education expenses, it is important to stay away from incurring expensive, unnecessary debt such as credit card debt.

Watch the Forex forums to identify new trends. If you do not stay current with the market, you will not know when to buy low or sell high. Don’t sell if the market is volatile. Have a very clear goal in mind if you are choosing to move your money before the trend has fully played out.

TIP! Your car and house are likely to be the biggest purchases you will make. The interest rates for both of these are large.

One way to improve your finances is to refuse to pay full price for anything. Don’t feel like you need to be loyal to specific brands, and concentrate on buying only when you have a coupon handy. For example, you might consider switching from your regular brand and opting for a product that comes with a promotion or discount.

TIP! While debt may eventually expire when it isn’t collected, it is advisable to get advice on repayment of old debts. Ask experts when your debt expires and avoid paying collection agencies that attempt to collect money for older debt.

Keep a mini-envelope with you when you go out. This envelope can be used to keep track of receipts and small documents. Keeping your receipts is a good idea, since they provide records of your transactions. You may need them to compare to your credit card statements in the small chance that you are double charged.

TIP! Create a savings account set aside for emergencies. Your savings goals might be paying off debt or setting up a college fund.

Don’t be alarmed if your credit score goes down as you begin working on repairing your credit. This should be temporary and isn’t a sign that you have caused more damage to it. As long as you continue to act responsibly, it will be reflected in your credit report. Your score will improve eventually.

Savings Account

TIP! If you simply cannot commit to balancing your checkbook the old-fashioned way, opt for a high-tech online option. Most banks offer an online banking service to their customers.

By having a savings account that you deposit into regularly, you will be building financial stability. With a savings account, you can avoid needing a loan when finances are diminished or if something unexpected occurs. What you save does not have be a large amount, but always put something in the account each month. Even saving a little bit each month adds up over time.

TIP! S

If you travel by air frequently, it might pay for you to sign up for one of the frequent flier programs. A number of credit cards feature rewards programs that allow you to cash in your points or other rewards for discounted, or even free, plane tickets. Some of the major chain hotels even take frequent flier miles towards reduced rates, or even free lodging.

TIP! Consider your feelings about money. If you would like to better your own personal financial situation, you will only be able to do so once you understand the money decisions you’ve made so far.

The tips in this article should have educated you about how to manage both your finances and life in general. It takes time and effort, sometimes much longer for others, but it’s worth it in the end to learn how to manage your money properly and avoid the stress of living financially unstable. These factors will help add to you having improved happiness.

Use These Tactics To Get Out Of Your Financial Hole

June 5, 2018 by Jason Williams·Comments Off

TIP! With the economy in its present condition, putting savings into varied sources makes good sense. Keep some of your money in your savings account and some in your checking account.

Do you wish you could improve your financial picture now and into the future? You can definitely do it, and all it takes is some research and knowledge. Fortunately, many of the ideas presented in this article can assist you in finding direction and momentum.

TIP! Keep a mini-envelope with you when you go out. You can store receipts, business cards, and other important items in it.

Only sign up with a broker that you trust 100%. Check their references and do a little digging. Make sure they are honest in their one-on-one dealings with you. Tailor your broker choice to your experience level, as well.

TIP! Do not believe that credit repair organizations can improve your credit history. Such a practice is absolutely illegal, and these companies are likely to run off with your money before doing anything to help you with your credit score.

Keep informed of world events so you are on top of any changes to the global market. Many Americans don’t pay attention to news outside of the United States, but this can be a mistake if you trade currencies or have significant investments. Knowing what the world is doing right now will help you to come up with a better strategy and will help you to better understand the market.

TIP! Stop charging a credit card that you have issues paying off. Reduce your expenses as much as possible and find another method of payment, so that you do not max out your credit card.

Watch trends when trading in forex. Always be informed, this way you know when is the best time to buy low and when to sell high. You do not want to sell during an upswing, or, for that matter, a downswing. Be clear in what you want when you are not going all the way through a trend.

TIP! Look for a bank that offers free checking accounts if you do not already have one. You can try banks in your area or even a credit union.

Today is a volatile time; it’s wise to diversify your investments. A savings account, check account, high interest account and stocks will help you make the most of your cash. Make use of as many of these as you want to maintain stronger finances.

TIP! You could give homemade presents for Christmas to save money. You will spend less and you will save a lot of money during the holidays.

No credit repair company can guarantee 100% success in repairing your history. A lot of companies out there make vague statements about how they will repair your credit history. These statements may not be accurate at all since what affects your credit may not be what affects someone else’s. As such, 100% guaranteed results are straight-up fraud.

TIP! Always mail your payment for your power bill so that it arrives by the due date. Your credit rating may go down if you pay late.

Almost every new product comes standard with warranty that covers 90 days from the purchase date, and some products are warrantied for a year. Chances are, if your item fails, it will do so within the time frame of the standard warranty. Extended warranties are great for businesses, but they aren’t great for the customer.

TIP! Having a conversation with a current or former finance professional can assist one with learning the strategies to managing personal finances. If one does not know any people who fit that description a family member of friend who is good with their money can often be the next best thing.

To ensure financial stability, you should open an account that you can put some savings in and deposit to it on a regular basis. With a savings account, you can avoid needing a loan when finances are diminished or if something unexpected occurs. Save as much money as you can, even if it’s not that much every month.

TIP! It’s normal for people to make mistakes, and it happens to everyone, especially when it comes to finances. If a check bounces, you can request the fee be waived.

You should now have a clearer understanding about personal finance. With this new information you have just learned, you have the tools necessary to properly care for your financial future. You just need to put in the effort to get you and your finances to where they need to be.

Get Help With Personal Finance Through These Tips

April 16, 2018 by Jason Williams·Comments Off

TIP! Writing down the amount you spend each day can be helpful in understanding where you spend your money. However, if you forget to keep up with it, it is easy to put it away and let it slip your mind.

Lots of people are having hardships with the way our economy is nowadays. Even if you never become wealthy, you can still use some basic financial tips to manage your money and live well. The following information can help you get your finances in order.

TIP! If you purchase lean protein in large quantities, you will be saving time and funds. It will always save you money if you can buy in bulk as long as you are able to use all that you purchased.

You need to select a broker you can trust when you start to work on your personal finances. Check a broker’s references and find someone else if you feel they are not being open with you. Experience is good attribute to look for in a broker as well.

Less Money

TIP! When it comes to your personal finances, you should always practice patience. It is quite tempting to run out and purchase the newest electronics on offer.

Whenever you can, avoid debt. This will result in healthy personal finances. There are certain types of debt that you cannot escape like mortgages. Yet you should not opt to take out credit cards and build debt that way. You will lose less money to interest and possible fees if you borrow less money.

TIP! If some of your debts are in collection, you should know that there is a statute of limitations for collecting on debts. Ask a financial expert to find out when the debt you owe will elapse and do not make a payment to a collection agenct if they are working to collect an old debt.

Use multiple credit cards instead of maxing out one. When you’re paying towards two separate payments, your interest payments won’t be as high as they would if you were paying off a credit card that’s been maxed out. This can serve as a great technique towards improving your credit score in the long run.

TIP! When obtaining student loans, make sure that you will be able to pay them back when all is said and done. You may want to go to an expensive college; however, if you have no clear career goals or majors to focus on, you could just be building debt.

Taking advantage of a sale is not a wise move if it causes you to buy a product or quantity that you do not plan to use. Stocking up on items you use regularly can save a lot of money, but only if you actually eat it all before it goes bad. Be realistic, so you can enjoy a good bargain when you find one.

Credit Card

TIP! If you have a flexible spending account, use it. If you incur medical costs, or have a child that you pay a daycare bill, a flexible spending account can save you money.

A credit card can have benefits not seen in a debit card. Once you have a credit card, put it to use for daily expenses like food and gas. Most credit cards have a rewards program that allows you to earn a point for each dollar you spend. You can then redeem these points for cash, goods, or services.

TIP! Pay off your credit card accounts with the highest interest rate first. Although it may see sen sible to make even payments on all your debts, the savings over the long term is greater when you target the high interest card first.

Rather than risking your money, it would be better to put that money into a savings account or invest in something wise. This will guarantee that you will increase your income over time, instead of throwing your money away.

TIP! Buy a store brand rather than a name brand. National brands are usually more expensive due to advertising costs.

Opening a savings account can be very helpful in case of an emergency. Save for some goal that you want to achieve, such as paying off a debt or saving up enough money to go to college.

TIP! Take the time to mull over your feelings towards money. If your goal is to improve your financial situation, you won’t be able to do so until you have a better understanding of why you spend and save the way you do.

So to summarize, while you might not become the richest person on the street, life does not have to be a daily financial stress either. All you need to do is put your personal finances back into order. Sometimes, all you need is the desire to live your life in a financially responsible way.