Personal Finance

Your mom hates this blog shares discount and financial tips in personal finance category. Coupons, saving money tips, resume and cover letter templates will be here.

Excuses You Need to Stop Giving to Get a job

Excuses You Need to Stop Giving to Get a job

Failure in job search can be classified into two categories and these include: mistakes and excuses. In view of this, I have titled my book “Cut the Crap, Get a Job”. Many job seekers give lots of excuses which are actually robbing them the opportunity to get a job. There are lots of excuses given by job seekers but I have listed just a few of them below.

–          “There are no jobs available in my field”

Funnily, before some people even start looking for jobs, they assume that there are no jobs in their fields. Such folks are often taken aback when you point out some places they should go looking for jobs in their fields. You could be making your job search too narrow if you are thinking this way.  (more…)

Developing a Good Budget Should not be Difficult

Developing a Good Budget Should not be Difficult

Lots of people think that following a good budget plan implies being stingy and also constantly calculating and documenting lots of numbers. This is close to what a budget is but it does not completely define it. A budget is formed and developed with a strong financial foundation no matter the situation at hand. It will interest you to note that it is not a difficult process contrary to what many people think.

What is a budget?

A budget can be defined as an analysis or itemization and plan with regards to the amount of money coming in to your purse and where they are channeled into. No business can ever succeed if the income and expenses are not tracked. In the same way, to make success in personal finances, you should be able to track your income and expenditures. You need to know the exact place your money comes in from and where it all goes in order to achieve financial success else it will be difficult to achieve.  (more…)

Determining Your Financial Personality

Determining Your Financial Personality

It becomes easier to make more money when you have a perfect understanding of your money temperament. For lots of people, financial decisions constitute emotions and prejudiced desires; they are not only about the dollar or cent. Tope Ganiyah Fajingbesi, a certified public accountant based in Baltimore, Maryland, said that you may be able to make better financial decisions by analyzing your attitudes about saving and spending. She analyzed these attitudes, grouping them into five financial personality types and to make it easily understandable; she assigned a color to each of them. (more…)

How to Create a Budget Plan

How to Create a Budget Plan

Nobody likes budgeting but the truth is that it is indispensable. I have tried simplifying budget using several ways and I have been able to learn a number of things. These rules shortly outlined will guide you towards excellence when creating budget no matter what type of budget it is. Below are some rules you need to put to mind.

Do not aim at perfection

Budgets are targets and therefore you will simply not perfection in it in the first three months of its application. All you have to do is to try as much as possible to get close to the budget if you cannot attain perfection in it. You can also adjust some necessary variables as much as possible.  (more…)

Effective Money Management with Free Personal Finance Apps

Effective Money Management with Free Personal Finance Apps

Getting your personal finances under control is one of the wisest choices you can make in these difficult times. We are often advised to create a well analyzed budget and then follow it with diligence and discipline, however, you will realize that it is one thing to create the budget and yet a different thing to develop the required discipline and diligence to follow it. Nonetheless, with some wonderful apps available today, you will not only be able to manage your income and expenditures but also you will be able to save some cash.  (more…)

Tips for Educating Your Kids on Finances

Tips for Educating Your Kids on Finances

Educating kids on finances is simply the sure way of helping them achieve financial excellence in their adulthood. It is better to start early educating kids than to start later on. Fruits planted or inculcated into the kids in the early days grow more than those inculcated in the future days. When it comes to kids’ financial education, there are certain important things parents should know in order to do better in educating their children financially. Below are the parent guide to kids and money. They will help you in putting your children on the pathway to handling finances responsibly. (more…)