Most people cringe at the thought of their credit report, but it’s a fact of life—we all have one. Rather than shying away from your credit report, face it head on, manage it, and use it to your advantage. Take charge of your credit report instead of letting it take charge of you.
If you’re drowning in debt, it can seem impossible that you’ll ever be able to get out—but you can. It takes commitment and diligence, but you can create a debt-reduction plan and get out of debt one step at a time.
In kindergarten, we learned that sharing means caring—but did you know that sharing can mean saving money, too? There’s even a catchy new term for it—collaborative consumption. The trend is based on the idea that sometimes we simply need access to goods, but we don’t necessarily need to own them.
Your well-crafted resume landed you an interview for your dream job. You nailed the interview and feel like you have a strong chance of being offered the position. Now all you have to do is wait for that call—but first, you need to write a thank you note.
The recent onslaught of earthquakes, tsunamis, and tornadoes has provided a glimpse into the devastating effects of disaster. While we can’t prepare for every eventuality that Mother Nature has to offer, we can prepare our finances so that we can be as ready as possible to cope with the changes that disasters inevitably bring.
Email—for some, it’s the bane of our existence, and, for others, it’s an easy, quick form of communication. Regardless of which camp you fall into, email is likely an integral part of your work environment. Are you using it properly?
With unemployment on the rise and scores of people competing for a limited number of jobs, it’s never been more important to streamline your job search process for success.
If you’re searching for a job, you’ve likely spent a lot of time honing your resume. There’s no doubt that a strong resume is important, but don’t underestimate the value of a good cover letter.
A resume isn’t everything, but it is a first impression that may or may not get your foot in the door. Some of the old resume rules are obsolete, which means that if you haven’t updated your resume in the past few years, you may be lagging behind the competition.
Financial tracking is a process for monitoring cash flow. Financial tracking allows you to not only monitor income and expenses, but to track how and where you are spending your money. Financial tracking is a critical component to managing money because it gives you the big picture and creates a structure for spending.
Everyone is familiar with the “latte solution” – cut out your daily coffee habit to save money. While a daily coffee drink may be costing you $1,000 a year, there are plenty of other substantial ways to save money. One way to trim the excess out of your budget is to examine your recurring monthly costs.
If you’ve been working successfully at your job at the same salary for a while, it may be time to ask for a raise. Although the news is full of reports about the recession and unemployment, don’t make the assumption that you can’t ask for and receive an increase in salary.
We’ve all made financial mistakes. It’s part of our financial education—we bounce checks, forget to pay a bill on time, or run up credit card debt. These are common pitfalls on the road to financial competence.
Wake up early, turn on the coffee, skip the commute, and get straight to work—in your pajamas. Take a mid-morning break for yoga and grocery shopping and then pick the kids up from school. Squeeze in a little more work while your kids do their homework.
Back pain is the leading cause of absence from work. What starts as a minor ache can quickly flare into debilitating pain. While the pain may seem mysterious—as if it appeared out of nowhere—it’s actually no mystery at all. Our small daily habits contribute to what eventually becomes a big problem.
A budget will help you avoid financial pitfalls, and, ultimately, a whole lot of stress that can negatively impact your health and your life.