Make Money Make Cents

Making Cents of Your Money

Budget

How to Save More Money without Making More Money

I would say that the most pivotal point of personal finance is to spend less than you earn.  After all, as long as you follow that cardinal rule you will technically never go broke.  Too many people fall into a rut by thinking that they can only save more money if they get a raise or a second job.  Sometimes it is much easier than that to save a few extra bucks.  All you really need to do is take a closer look at your monthly spending and cut down on those needless expenses.

Cable/Internet

I’m definitely a fan of cable and high speed internet, however, there are so many tiers of service these days there isn’t a reason why you need to overspend on such services. …

Seeking the Path to Debt Reduction

The problem of debt has been on going for a long time. There are many reasons that can be attributed to this. Many cases of debts result from loss of an income, a bad and dangerous loan or line of credit or even bad judgment. Whatever cases, it is important to resolve any and all cases of bad debt as debt does have its consequences. A creditor can choose to call in their debt, they may refer a case to a collections company or even seek assistance from a court of law. An indebted person will be unable to get credit, a job and many other benefits.…

Which Gender is Better with Money, Men or Women?

Sure, you have heard the stereotypes all before.  We hear that men are better drivers than women, or that women have inequality in the workplace, or the athletic performances  between the two.  Have you ever considered the gender differences when it came to managing money?  Quite honestly, this is a new topic for me.  A recent study found that while 42% of men were confident in their investment allocations, only 25% of women felt that same confidence.  Also, while 80% of men have their cash flow in control, only about 63% of women could say the same thing.  Though coincidentally, the percentages were both high and nearly identical when it came to investing in an employers 401K plan.…

Why is it Important to do Financial Research?

While I am a seasoned finance professional and a seasoned blogger to boot, I still enjoy reading the pesronal finance musings of other bloggers.  It’s always interested to get a different take on other views and perspectives, and you just might learn something new in the process.  Though one idea I will never quite grasp is the “set it and forget it” approach to your financial dealings.  You have these debt reductions junkies that talk about spending less and saving more, and at the same time they want you to automate your finances and just put bill pay on autopilot.  What if you’re being overcharged? …

Turning the Corner With Your Budget

This is a guest post by Rob Kotevski.  Rob runs a blog called Health Insurance Australia.

Have you had success with changes made to your budget?  Are you now living fairly comfortably, in terms of certain spending categories and items?  Follow along for minor points to optimize the health and status of your budget.

 

From Yesterday to Today

Much of making progress is being able to see it, and thus evaluate and measure it.  Before you make the next step, and before you turn the corner with your budget, you must take the time to observe these dynamics.

Take a step back and look at how you have done recently (the last few months to a year, perhaps):

  • Compare expected to actual spending. 
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