Personal Finance is one of the most important topics. Not the most important topic, but one of them. To get by in the modern world, we need money. The reason that we need money, is not for its own sake, but rather to use it as a tool to pay for what we 'need'. There is a key difference between what we 'need' and what we 'want'. I remember hearing an ad on the radio a few years ago, and the company's slogan was 'we sell everything you want, and nothing you need'. They were selling expensive outdoor 'toys' for adults, such as quads and such, which for most people would be a 'want' and not a 'need'. (For some people it may be a need.) So that is just one example. The topic of 'personal finance' covers income, savings, spending, and investing.
Income. Most people will agree that they never seem to have enough 'income'. The key is to try work with the 'income' you have, using a 'budget', to ensure that your 'needs' are met. Once your needs are met, then you can consider other aspects of personal finance.
Savings may seem like an unlikely topic to cover, when most people are having a hard time trying to make ends meet. Savings are not meant to be a great sacrifice, forcing you to do without things you 'need' now, to prepare for a distant future time. Instead savings are meant to be part of an overall approach to personal finance that first covers your needs. Bank accounts are both a way to try to save some money, and in today's world, a necessary tool for being able to receive your income, manage your money, and make expenditures from.
Under the 'spending' category, we touch on some sub-topics on this website, including budgeting, personal finance books, personal finance software, car loans, mortgages, mobile phone plans, credit cards, insurance, and home internet. Later on this page we may briefly mention trying to always get the best deals on plans, and offers, and indeed any thing you need to buy. That said we hope to help you better learn about personal finance.
Investing. There is no shortage of people who want to give you advice about 'investing', sometimes for a 'commission'. The best people to get investing advice from, are perhaps the ones who do not stand to gain financially from what they tell you. The logic is that way they are more likely to give you objective advice, rather than what will earn them the highest commission. Perhaps seek investing advice from more than one source, to try to get better informed. Remember the old Latin saying 'buyer beware'. There is another saying, 'only invest what you can afford to loose'. Along the way, time and circumstances permitting you should try to save as much as you can on your taxes (legally), and do retirement planning, and remember that retirement planning is not just about money.
Interested in learning more about various personal finance or home finance topics, no strings attached, so you can then in theory at least, make more informed decisions? We also aim to help you with such topics, including: bank accounts, car loans, mortgages, credit cards, mobile phone plans, home internet, and various types of insurance. No matter the topic, one general rule of thumb usually always applies, which is to try to educate yourself somewhat about the topic, as well as compare offerings, before you make a decision such as a purchase.
We have extensive information on all financial topics; from stock market investing, to retirement planning and mortgage financing. We also have a blog full of helpful tips and tricks to help you make smarter decisions with your money. And of course, we can help you find the best offers and deals online so you can get the most for your hard-earned money.
We also aim to help you make smarter decisions with your money, whether it involves setting up a new bank account, applying for a car loan or mortgage, comparing credit cards, picking out a mobile phone plan, or anything else that affects your finances. Our mission is to show you how to make the most of your money, so that you can start saving more and be more financially secure. We strive to ensure that every user can reap the benefits of our advice and get the most out of their purchase, no matter what it may be. With us, your wallet is safe and you can trust that you are making the best decisions for your financial future.
Regardless of what it is you are looking for, one of the best pieces of advice that we give to our users is to do their research first - and then compare offerings. By educating yourself on a topic, you will be better able to compare options and make the most informed decision possible in order to get the best deal. At the same time, doing your research and taking the time to compare offerings also saves you time, frustration and money in the long run.
Having a personal budget is one of the most effective ways to manage your money. It can help you set aside money for the essentials, track spending, and ensure that you adhere to your established savings plan. When done correctly, a budget can also drive you toward financial success and allow you to save for items and experiences that you may have only dreamed of. Creating a budget is not as hard as some people think, so take the time to do it right and get on the right financial track.
Unfortunately, few of us have all the money we may want. This means getting creative and finding ways to minimize expenses, while boosting returns. For example, seeking out special discounts and cash back rewards can help you save on everyday purchases. Additionally, selecting a credit card with the best rewards program can help you easily maximize your spending power.
The process of matching available funds to monthly expenses is called a 'monthly budget'. This helps determine how much money is allocated for necessary items like rent, bills, and food, as well as discretionary spending. Budgeting helps identify areas where money can be saved or redirected to other goals and provides insight on potential financial opportunities. It can also highlight ways to minimize expenses like seeking special discounts and rewards.
Expenditure management is another important component of a budget. Whenever you’re making a purchase, it’s important to get the best value for your money and spend accordingly. This can be done by shopping around for the best deal or finding ways to make your money go further, such as using coupons, looking for sales and discounts, buying in bulk, and even shopping second-hand. Doing this can help you stretch a dollar and save more money in the long run.
Credit cards, if used responsibly, can be a great way to earn rewards and enhance your purchasing power, but they can also be dangerous if misused. Therefore, it is important to remember that credit should only be used if you can afford to pay off the balance in full at the end of each month. Paying only the minimum amount due on your cards each month can result in costly interest charges and can quickly lead to a cycle of debt. Credit cards should be used as a tool to help you meet your financial goals, not as a means to purchase items that you cannot afford.
So in summary, the best way to try to manage your money is to try to have a personal budget, which might also be called a home budget, household budget, or family budget. A budget is a breakdown of how you plan to spend your money in a given month. Unfortunately few (if any) of us have all the money we may desire, so we have to make do with what we have. The processes of matching the money available (monthly income) to what you need to pay for (monthly expenses) is called a 'monthly budget'. Things that you do not 'need' but like to spend money on are called 'entertainment' (in your budget). To go with a budget you also need to track how much you spend (expenditure management). Next every time you need to spend money, try to get the best possible price/value for the money, and spend as little as you need to. This is all easier said than done, but perhaps the advice will help. In addition, 'credit' (such as credit cards), can allow us to spend more than we can afford to spend, which might create problems down the road, so use such things very wisely.
Some poeple say that only half of the work in budgeting is having enough money coming in. The other half is tracking where all the money goes. The money comes in, and then it is gone, but you don't seem to recall where it went! There exist various personal financial software programs or apps, which help you track where the money went! These can often be used with your online banking and credit cards, etc. Some might even be free, for example Mint. These personal financial software programs can be a very helful and valuable tool in helping you get a better grip on your personal finances.
Managing your finances is about more than just having enough money coming in; it’s also about tracking where all the money goes. Taking a proactive approach to budgeting can help you spot opportunities to reduce expenses and increase savings. It can also show you ways to leverage your resources, such as shopping around for the best deals and rewards programs, or even finding special discounts and offers. Overall, budgeting is important to ensure that your finances are optimized, and that you get the most bang for your buck.
There are multiple ways to track your spending and investments, from handwritten notes to personal finance software programs. Having a budget is the key to making sure your money is allocated properly and that you are able to keep track of where it goes. Personal financial software can help simplify the budgeting process and make it easier to identify areas where money can be cut or redirected. The programs can even provide helpful insights such as tracking trends and categories of expenses, enabling users to attain greater control over their finances.
There are numerous personal finance software options available today, and choosing the right one is essential to ensure that your budgeting and money management techniques are effective. Popular programs such as Mint and Quicken are both excellent options as they offer a range of features and functionalities. Other programs like You Need A Budget also provide unique features, such as the ability to link your bank accounts and investment portfolios for a comprehensive view of all of your financial activities and progress. Whatever program you choose, it’s important to make sure it suits your budgeting and money management needs.
It goes without saying that managing personal finances can become a formidable task. Statistics show that 2 out of 5 adults have little to no idea of where to even begin when it comes to dealing with such issues. Fortunately, there are certain books that can prove quite useful in acquiring the relevant knowledge and skills regarding personal finance. In this article, we will be discussing the top 5 best books on personal finance that should help you get off on the right foot.
Carl Richard's “The One-Page Financial Plan” is a sincere guide to personal finance. It begins with a clear mission statement and practical advice for developing a financial plan. Richard's straightforward approach takes complex concepts and provides real-world examples that anyone can understand. Whether you're a novice or an experienced investor, this book offers insight and understanding to personal finance and provides a roadmap for success.
Ramit Sethi's “I Will Teach You to Be Rich” is one of the top books on personal finance due to its comprehensive coverage of creating a strategy and planning. It offers concrete methods to help you earn more money and manage your finances better. The book guides you through setting up systems that let you automatically save more and build profit over time. It is also an excellent resource for tracking and monitoring your investments, allowing for an improved understanding of the markets, and making better financial decisions.
The Millionaire Next Door is an essential resource for anyone interested in investments. Since its publication in 1999, the book has been lauded for its insights into how the wealthy make and manage their money. Written by Thomas Stanley and William Danko, the book shares advice on how to save, how to increase income, and how to make smart investments. Through eye-opening case studies, Stanley and Danko show readers easy ways to start on the path to financial freedom.
It covers topics such as portfolio allocation and offers a thorough guide on understanding the different investment approaches. Stanley and Danko discuss why certain investments are more successful than others and relevant strategies for building wealth. The Millionaire Next Door is a must-read for investors looking to maximize returns and make smart investment decisions.
Personal finance is not a topic that many kids want to discuss with their peers, but it is an important issue that needs to be addressed. Money management is an often-overlooked skill, yet it is something that must be learned if children are to develop into responsible adults. Being familiar with the basics of financial literacy can help kids make informed decisions on how to manage their money correctly. There are many resources, such as websites and books, available to get children and teens interested in understanding personal finance topics.
For young kids, “Investing for Kids: How to Save, Invest and Grow Money” by Dylin Redling and Allison Tom is an ideal way to introduce them to personal finance fundamentals, such as saving and investing. Furthermore, the book offers concrete steps on how to get started, such as setting a goal and starting a savings account. Moreover, it also provides activities which kids can do to reinforce the concepts they’ve read. This book is a fantastic resource for parents and educators looking to provide kids with a strong foundation of finance knowledge.
"Blue Chip Kids" by David W. Bianchi is the perfect primer for any child (and parent) interested in exploring the stock market.It provides a comprehensive overview of financial terms and strategies, such as buying and selling stocks. The book is ideal for parents and educators who want to help kids gain confidence and learn more about financial decisions that they can make to secure their financial future. Additionally, it covers other topics such as budgeting and savings, as well as long-term planning.
"Teaching Kids to Buy Stocks: Stories and Lessons for Grown-Ups" by J J Wenrich is a great resource for young investors. Not only does it provide insight into stock market fundamentals, but it also offers real-life examples that kids can relate to. The book helps children understand the importance of saving and investing their money, while also teaching them to be mindful of risks associated with trading. The simple and concise chapters provide an approachable overview of the stock market that can help prepare kids for making sound decisions regarding their investments.
There’s no one-size-fits-all solution when it comes to selecting the best personal finance books for money management. Everyone’s situation is unique and different books may be more suitable for individual goals, objectives and information needed to reach them. From the basics of investing, budgeting, and saving, to the advanced strategies for stock market trading and long-term planning, money management literature is an invaluable resource that all interested individuals should consider. Without the proper guidance from trusted sources such as these books, it is impossible to reach your financial goals.
"Rich Dad, Poor Dad" by Robert T. Kiyosaki is one of the most popular personal finance books and considered a must-read for those new to money management. It tackles the basics of finance in an approachable way, providing readers with simple and straightforward advice on budgeting, savings, and investing. Additionally, the book provides insight into the mindset needed to succeed financially, such as setting goals, having a plan of action, and taking calculated risks. Kiyosaki shares his own lessons he has learned through life experiences and his financial successes, making this a valuable resource for developing a strong understanding of financial literacy.
In her book “Spend Well, Live Rich: How to Get What You Want with the Money You Have”, Michelle Singletary provides a thorough examination of topics related to controlling spending and managing finances. This book focuses on practical habits and approaches to managing resources, such as setting achievable goals, establishing a budget, and controlling impulse spending. Additionally, the book dives into topics such as creating a financial action plan, paying down debt, and building long-term wealth. With Singletary’s comprehensive advice, readers can gain the determination and confidence to make sound decisions with their money.
It can be especially stressful for teenagers and young adults trying to learn about personal finance, especially when they lack resources or support. It can be intimidating at first to start a budget, investing in the stock market, or understanding the basics of spending, saving and debt management. But taking the first step and reading one of the above books can be a great way to gain a greater understanding of personal finance and start making informed decisions about money at an early age. Doing so can provide teenagers foundational knowledge that will grow with them as they get older, allowing them to make smart decisions, pursue their financial goals and secure a brighter future.
If you're ready to launch yourself into the world of finance, then How To Money: Your Ultimate Visual Guide To the Basics of Finance is the perfect place to start. Written by Jean Chatzky and Kathryn Tuggle, this guide covers everything from budgeting to retirement planning, featuring illustrations, infographics, and detailed advice. With easy-to-understand examples, this book provides an excellent foundation for developing sound money management habits that can last a lifetime.
For teens looking for an entertaining and relatable introduction to personal finance, “I Want More Pizza: Real World Money Skills For High School, College, And Beyond” by Steve Burkholder is an excellent place to start. This book aims to teach readers about financial responsibility and equips them with the necessary skills to become money masters. It introduces concepts like effective budgeting, planning, understanding credit, and saving for retirement. With its comprehensive coverage of personal finance topics and relatable life skills, this book can help teens gain a better understanding of their financial situations and better prepare them for their financial futures.
Erin Lowry’s “Broke Millennial: Stop Scraping by and Get Your Financial Life Together” is an excellent resource for those born between 1981 and 1996 who are finding it difficult to make money stretch far enough. Lowry provides an overview of debt repayment strategies, lifestyle changes, and savings tips. In addition, she provides a comprehensive guide to budgeting and creating a financial plan that will help readers achieve their financial goals. With her advice, readers can gain the tools and knowledge to get their finances in order, stay out of debt, and live a financially-free life.
Broke Millennial Series - 4 Books:
Reading this small yet comprehensive collection of personal finance books can provide readers with a world-class education in money management. From helping young readers gain a better understanding of personal finance basics to teaching millennials to get their financial lives in order, this collection gives readers the attention and thoroughness needed to reap the financial rewards of smart investing, saving, and budgeting. Each book contains helpful diagrams, exercises, and tips as well as other essential knowledge that can help readers make informed and responsible financial decisions. This diverse collection of books gives readers a wide variety of perspectives and insight that can help them develop into financially-savvy individuals.
As a comprehensive guide to investing, The Bogleheads’ Guide To Investing By Mel Lindauer, Taylor Larimore And Michael LeBoeuf is the perfect book for anyone who wants a simple yet efficient way to build wealth. This guide is written for everyday people who want a simplified explanation of all the different aspects of investing, as well as the tools and tips needed to be successful. It provides beginners with the essential knowledge and understanding necessary to get started, and veterans with the tips and tricks needed to take their wealth building to the next level. With concise explanations and easy-to-follow steps, this book is a must-read for anyone looking to build a strong financial foundation.
Money is an important part of everyone’s life, and understanding how it works can help make important financial decisions. Morgan Housel’s book, The Psychology Of Money, dives deep into the psychological reasons why people make the financial decisions they do. Housel provides readers with an in-depth analysis of the different ways that emotions impact our financial decisions, as well as the effects that culture and family have on our spending habits. This book is an excellent resource for anyone looking to make smarter financial choices, and it can help readers develop a better understanding of their own finances.
"The Little Book Of Common Sense Investing" By John Bogle is a concise and easy-to-read guide that sets out Bogle’s key investment principles in an easy-to-understand format. Drawing on his years of experience as the founder and CEO of the Vanguard Group, Bogle provides readers withsimple and actionable advice on how to make the most informed and risk-conscious investment decisions. With its help, readers can achieve their financial goals while steering clear of common investing mistakes. This book is an excellent resource for those new to investing, as well as those who are looking to refine their investment skills.
If you need a reliable internet plan for your home, it is important to compare the plans and services offered by different providers. Many providers offer introductory or promotional rates, discounts for bundled services, and other perks such as free installation or activation. These deals can often save you time and money in the long run and help you get the most out of your home’s internet plan. Additionally, make sure to check the customer reviews of the provider you are considering, as this will provide insight into their service quality and reliability.
When it comes to finding the most reliable and cost-effective internet plan for your home, it is important to compare the plans, services, and customer reviews from different service providers. Fortunately, there are a variety of comparison websites available that allow you to compare different internet plans quickly and easily for your home. These websites provide a wealth of useful information about various internet plans and services, allowing you to make an informed decision about the best one for your needs. Additionally, they can highlight any discounted or promotional rates, helping you get the most out of your home’s internet plan.
Are you in need of a home internet plan for your home? Need to know who is good, and which internet providers service your area, and perhaps who may have the best prices? If so, then please check our extensive internet service providers comparison.
Earlier we mentioned people earning commisisons from advice, especially investing advice. So in all fairness, let us say that this website might (or might not) earn us income from any ads you click on, or any links to any books or software, etc, that you might find on this website, and follow. So, there we go, that has now been disclosed! 😎
(Marketing hype from here to the bottom of this page, it is OK to skip it and read the other pages of our site.) Looking for the best deals and offers on a variety of personal finance topics? Most of us are! Most of the time finding a good deal on what you are looking for (or what you really need) can be hard. Offers only seem to come along after you bought what you were looking for, always seems to be the way. There is also the matter of finding our about things you wish you had know before you went shopping, rather than afterwards.
Get the Best Deals & Offers in on offers for Bank Accounts, Mortgages, Mobile Plans, Credit Cards, Home Internet, and Insurance. Compare and save. Why pay more? We aim to save you money by helping you find the best plans and the best offers. Sounds like a plan. Let us help you today!
It can take hours of searching and comparing prices online to find a great deal, and even then it can be hard to make sure you get the best offer possible. Thankfully, there are a few tricks and tips to finding the best offers available that could save you time and money. Doing thorough research on where to buy what you’re looking for, using coupon codes, cashback offers, and signing up for loyalty programs are all great ways to make sure you get the best deal possible!
It always seems this way when you're searching for the best offers – they only come along after you've actually bought whatever it is you were looking for! But this doesn't have to be the case, because if you regularly look at websites like Groupon or Wowcher you can often find great deals and special offers before you buy something. You can even use various cashback or loyalty programs that allow you to get points or rewards for making purchases online, which can be used to make future purchases significantly cheaper. Taking advantage of discounts and sales is an excellent way to make sure you get the best deal possible on the things you need.
Having the information you need before you start shopping can also help you get the best deal. Take the time to research brands and features you'd like to have on a product, and seek out discounts or coupons that can help lower the cost. Looking for reviews or for other customers' experiences with a product is a great way to make sure that what you buy is of the highest quality and will work as expected. After all, the best deal isn't always the cheapest one — if it's not going to last, that's not really worth it.
Shopping around for the best deal doesn't just have to be for products—you can also get the best offers on services and accounts. By taking the time to do research and compare options, you can save significantly on these services while still getting the quality you need. That way, you can be sure that you're getting the perfect deal and that you're not paying more than you should.
That’s where we come in. The ultimate goal for us is to help you save money by connecting you with the best plans, offers, and promotions available. When you come to us for advice, you can be sure that we will conduct extensive research on your behalf and find the best deal for your needs. We take a thoughtful approach and don't just recommend the cheapest option, but instead focus on what will give you the best return for your money.