What is the 1st step in saving ….
It’s called paying yourself first! You pay all of your bills, but do you ever pay yourself first? Get yourself a “me” fund. Whether it be a prepaid visa or master card
a savings account or what ever. Get an account that is for the benefit for yourself. Take about 5% and pay yourself first. If you get your paycheck by direct deposit separate it and put it into a different account where you don’t see it.
Most of the time if it is doesn’t end up in your hand it is easier to pay yourself. I did this…. I felt like I could not afford to pay myself. But I started putting at least 5% of my income per pay period for “me”. Now, my husband knows about my “me” fund. I don’t calculate my “me” fund into my income because I don’t want to consider it as money available for bills and etc.
So, the first step into building a savings account is get you “me” fund. Take atleast 5% of your income start building up your “me” fund. You deserve it right!
How to write a check?
Well, while you may think checks are becoming obsolete, they are still in good use. Older people that are not familiar with check cards such as a visa or master debit card, continues to make good use of checks. While a younger person getting their first checking account may not know the first thing as to writing a check. Then you figure, why even get them if they use their debit check card? Well, I will tell you why…
I have met people that had no knowledge of a banking account and didn’t know how to write a check neither. Yes, they use their debit check card for everything. But, when it is time to make a rent payment, they run and get a money order because the office doesn’t accept Visa or Master, when all along they could have just taken out their check book and written a check. What I will tell you is that I have noticed that many convenient stores do not sell money orders anymore. So, what happen when you can’t get a money order and they don’t take cash or card? You write a check! (more…)
With the economy going through recession many people are really being consumed with debt. You may be one of the ones that would have never thought that you would be in the situation (more…)
Credit was an issue for some, so why do you think this has changed? Well, many people have listened to the media and believe that there is really not a way out. Believe it or not you still can get a car or truck loan with bad credit. (more…)
I can hear some of you now, “I want to go shopping the day after Thanksgiving, but I don’t get paid until after Thanksgiving.” You have options! You can a small loan regardless of your credit to carry you to the next payday. Believe it or not you may not have to pay it back right away! (more…)
I took a poll today to find out how many people where actually doing well in this harsh economical system. It appears that a lot of people are very well financially stable. While they may not have thousands of dollars in the bank, they still have their homes. I think having their homes is the one thing that many are proud of. Not only having their homes, but also being able to have their bills paid. People may not have money to through away but most people were thankful for what they do have! Poll results will be posted soon
We all love sponsors! I want to personally thank my newest friend and sponsor for being apart of Up Close and Personal! Since you are my friend too make sure you take advantage of everything that Discover has to offer! (more…)
I am all about saving money and certainly all about going to the beach. When I was younger I went to California and had so much time. Some time I sit and day dream about the sand going through my toes! So, I must get there and what I have found out is that the vacation rentals by Owner (VRBO.com), can make it easier for me to do that. (more…)
Have you considered debt consolidation? Well, you are one of many that have recently considered debt consolidation with today’s economical crisis. Consolidating your debts can help you (more…)
Yahoo! Answers… Which bank is the easiest to get a credit card from?… Well, back on my grove (more…)