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Debt Management and Budgeting Guide

The majority of Americans carry some type of debt - mortgage, car, student loans, etc. Meeting those debt obligations can be tricky with all the other demands on household budgets. Luckily, there are a variety of tools available to help you balance debt payments with the necessities that your budget must cover. This is a great place to start learning about the budgeting process, handling debt without falling behind, using credit responsibly or financing a home. Read more to get started on the right track.

  • Managing Debt

    Consumer debt, and lots of it, is the norm rather than the exception in today's society. It's also one of the main causes of the difficult economic situation that the nation is facing. Often, handling debt is a matter of extremes. One extreme is people living completely debt free. The other extreme has people drowning in debt. Realistically, the solution probably lies somewhere in the middle. Before making drastic changes to your debt load, spend some time reading these thoughts about using and managing debt effectively.

  • Budget Planning

    The idea of creating and living on a budget is overwhelming. Breaking that process into smaller tasks, though, will make it easier. When you are able to concentrate on one or two areas of budget planning at a time, you gain a better understanding of the entire process and you stand a better chance of creating a budget that you will actually follow. Whatever your experience and wherever you are in the budget process, these articles will provide the guidance you need to learn and create a workable document.

  • Income Tax Guide

    Whether or not to file and pay taxes isn't a choice. How and when to file is. If you complete and file your taxes yourself, you must to stay up to date on the requirements and changes for each tax year. If you use a professional tax preparer, you need to be aware of the information they need to complete your returns appropriately. Granted, the forms and instructions provided by the IRS are not always user-friendly. The articles included here, however, are full of the information you need to file your taxes appropriately, on time and in the ways that most benefit your finances.

  • Financial Institutions and You

    Millions of Americans get their first experience with a financial institution through a simple savings account. Eventually, they open other types of accounts at the same institution because it is convenient or familiar or it's where other members of their family do business. Deciding where to house something as valuable as your money is not a decision that should be left to someone or something else. Instead, choosing a home for your money should be a well-informed, personal decision that makes you confident your money is working for you. Don't make that decision quickly and don't make it before you read these.

  • Investing and Saving Tips

    No matter what the balance sheet reads, you can never have too much money invested or saved. There is always the possibility of another "rainy day" and Social Security becomes less secure as time goes by. In order to save and invest appropriately, you must be knowledgeable about and comfortable with a variety of investment and savings instruments. Depending on your needs, income andNo matter what the balance sheet reads, you can never have too much money invested or saved. There is always the possibility of another "rainy day" and Social Security becomes less secure as time goes by. In order to save and invest appropriately, you must be knowledgeable about and comfortable with a variety of investment and savings instruments. Depending on your needs, income and time frame, you will have to make decisions affecting the near future as well as the future beyond your vision. Take time to review these tips and find the best investment and savings tools for you.No matter what the balance sheet reads, you can never have too much money invested or saved. There is always the possibility of another "rainy day" and Social Security becomes less secure as time goes by. In order to save and invest appropriately, you must be knowledgeable about and comfortable with a variety of investment and savings instruments. Depending on your needs, income and time frame, you will have to make decisions affecting the near future as well as the future beyond your vision. Take time to review these tips and find the best investment and savings tools for you. time frame, you will have to make decisions affecting the near future as well as the future beyond your vision. Take time to review these tips and find the best investment and savings tools for you.

  • Mortgages and Loans Overview

    Few things are more exciting than owning a home! Purchasing a home and obtaining financing for the mortgage, however, is long road. Each step of the way demands patience, flexibility, persistence and concentration. Knowledge doesn't hurt either! From the real estate agents to the bankers, home inspectors and closing attorneys, every person involved plays some role in the financing. If you sit back and let those professionals take over, your home may cost you much more in the long run than it should. Arm yourself with the information you need to find the best mortgage for your situation by learning what these articles have to teach you.

  • Credit Cards

    Most consumers only have to look as far as their mailbox for more credit card offers than they can, or should, accept. Pre-screened, pre-approved credit offers are very convenient. Many cards include rewards programs and other incentives to keep customers charging more and more with a particular card. In spite of the benefits of the cards in your wallet, there are potential problems as well. Learning the discipline necessary to use credit appropriately is one of the most important skills you can develop. The essential information found here will help you do just that.

  • Financial Terms Glossary

    Let's face it, talking about money often feels like traveling in a foreign country where they speak a language you don't know! Between IRAs, ETFs and adjustable ARMs, talking dollars and cents takes more information and effort than ever before. This glossary can provide you with all the information you need to say what you mean when you start discussing your money. Make it your first stop on the way to learning and using the right terminology. After all, it just might help you put money in your pocket!

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