Author Archives: KUMA

Things you thought are good for your credit score but are not

01/15/2013

A lot of people think that as long as you pay your bills, credit card debt, and other financial obligations on time, you will have an excellent credit score. Maintaining a clean credit history does not automatically translate to good credit scores. There are factors that you think might be harmless but in fact they may play a role in shaping your credit score: Municipal debts You may well know that creditors will report to the credit bureaus when you [...]

Tips on how to negotiate your way to lower prices

11/28/2012

How much you can save on something, most of the time, depends on your negotiation skills. It can be very intimidating for a lot of consumers. If we think that price is too high, we just walk away. We often do not realize that we can negotiate for a lower price. In order to get to a more affordable deal, we must follow some tips that may not be always easy. Research well Know everything you can know about the [...]

When does Refinancing a Mortgage make sense?

09/18/2012

At some point most people will consider refinancing their mortgage. There are times when this can be a great idea and other times when it does not make sense at all. The big question is how do you tell the difference? Ultimately the best way to tell if it makes sense to refinance your mortgage is to look at how much you will end up paying in interest if you do refinance. The best time to refinance a mortgage is [...]

Top ways to organize your finances

09/18/2012

Money problems make us lose hours of sleep. We think of things we need to pay, credit card bills, utilities, or how we need to fund a check. You need to reduce this unnecessary stress by taking simple steps to organize your finances. Organize your bills When you know what to pay, you will most likely allot something for it. Make sure you organize your bills and place them somewhere you cannot miss them. Separate them from the other mails [...]

5 Easy ways to trim down your budget for entertainment

05/25/2012

All work and no fun is not a good life. It is always refreshing when you have time for watching some movies or maybe trying out a new restaurant. You have to keep your spending in check though when you go out or else you might run the risk of going over your budget. Instead of enjoying some entertainment, you end up worrying how you will pay things at the end of the month. Here are some tips on how [...]

Money Tips: Dealing with Money Drains

03/07/2012

Unexpected things are expected to happen. This applies also to your finances. There will be unexpected expenses and you do not have a choice but to deal with it. Emergency Fund You have read it before and heard it before but having an emergency fund is really life saving. If you have not set up an emergency fund, you need to start now. It does not have to be one big drop but you can put about $50 a month [...]

Money Saving Tips for the New Year

12/30/2011

The year 2011 has not been very kind to a lot of individuals and families. Did you spend within your limits? Here are some tips to save some money come 2012: Travel The rising costs of fuel translates to more spending when it comes to using our cars on a regular basis and a bigger chunk of our budget goes to motoring expenses. The cost for commuting thru public transport has also risen. It will be more practical to join [...]

Money matters: When is the best time to buy big appliances?

12/05/2011

Think of what happens when you buy things on the last minute rather than planning the purchase well ahead of time. The first scenario will end up finding a so-so deal, while the latter gives you a good if not the best deal. The moral of the story is to find a good deal way ahead the time when you are in desperate need for a replacement. There are certain times in the calendar when you can buy refrigerators, washing [...]

Ways to Prepare for Retirement in Your Forties

10/08/2011

There are some people that do not even think about retirement and how they are going to live on their retirement benefits until they are in their forties because when they are in their twenties and thirties retirement seems so far away. By the time they reach their forties they start to realize that in twenty-five years or so they are going to be ready to retire and enjoy life and the thought hits them as to how are they [...]

The Credit Card Fees We All Hate…

09/28/2011

David Lazarus explains credit card fees in a way even I can really understand… I didn’t know the loophole the gas stations are using, and I think they should ban this asap. Seriously. Keep in mind though, this is only for the state of California…

← Older posts