Don’t Expect a Raise Next Year

According to a recent study, salary increases for 2008 don’t look so good. Although base salaries may rise an expected 3.9% next year, this barely keeps up with inflation in the 3.5% range. The news, however, is much better if you’re a top performer. You can expect to see about an 8% increase, [...]

Do You Need Car Rental Insurance?

The last time you rented a car, you may have been pushed towards getting some pricey insurance to cover the rental car or yourself in case of an accident or other damage. The rental clerks can be quite persuasive and make it seem like you will be out of a lot of money if you [...]

Slowing Economy Now Affecting the Rich

Interesting little article from Bloomberg on the slowdown in the economy and its affect on the rich. According to the article, “Affluent consumers, pinched by shrinking stock portfolios, falling property values and smaller bonuses, are behaving like their less-well-off peers: They’re reining in spending.” The rich have long been a bell weather of sorts [...]

Add Wine to Your Budget

Here at PFJournal, a common theme is saving money and skipping on the little extras that can really drain the pocketbook. The reality is, however, that we need to occasionally treat ourselves with a little indulgence now and again. Think of it as a nice reward for all that hard saving you’ve been doing all [...]

Interesting Ways to Save Money – Part 1

(This is the beginning of a series of posts I’m going to be making regarding my “thriftiness”. I’m not sure how many parts it will eventually have, but it should go on for a bit. These won’t be really suggestions for living frugally, but rather examples of some of the silly things I’ve done [...]

Save Money and Energy

There are lots of things you can do around your house to save money, and we’ve covered some of them here before. One often overlooked appliance in your house that can save you both some money and energy is your hot water heater. Heating water is the third largest energy expense in your home [...]

Saving Money in a Recession

According to many economists, we’re either quickly heading for a recession or possibly already in one. Either way, it’s probably a good idea to have some type of a plan to handle a slowdown in the economy or a full-blown recession. A recession proof portfolio is one such way to get your financial [...]

Save Money on Your Next Remodel

One of the ways to help you save some money the next time you remodel your bathroom or kitchen is to do the work yourself and shop around for good deals on items like your appliances, faucets, Taps, baths and more.
By choosing to get your items at an online tap store like Taps4less.com, you can [...]

Mvelopes Personal Budgeting Software Review

Mvelopes personal budgeting software is an online budgeting system developed around the traditional envelopes budgeting method. Here is our Mvelopes review.

The Most Important Personal Budgeting Tip

Personal budgeting involves the planning and allotment of money for your main expenses, investment and general living expenses. Making a budget is a great way to reduce your spending by helping you realize where your money is being spent. Setting a budget also instills financial responsibility and discipline – which can only be a good [...]

Budgeting – The Critical Flaw That Causes Most Budgets To Fail

Budgeting. It’s a word we’re all familiar with. Everyone knows what a budget is, right? Yet how many of us actually make and stick to a solid monthly budget? The truth is that most of us start out with the best of intentions, but an unexpected expense comes up and busts our budget. Then we [...]

Tips For Saving Money

Still living from pay to pay? Or envying those great wealth accumulators and wondering how they did it? Every month you make a resolution of saving some dollars from your paycheck, but only end up breaking it. Looking for some magic formula for saving money?
Well, there’s no magic formula – only some simple rules to [...]

Getting Control Of Your Finances

When it comes to money we tend to fall into three main categories: spend less than we earn, spend what we earn, spend more than we earn. If you’d like to have more money each month or want to get control of your finances read on. Create some good financial habits by taking a look [...]

Budgeting Tips For Single Mothers

A budget is a systematic plan for the expenditure of a usually fixed resource, such as money or time, during a given period. As a single mother you might groan at the thought of putting together a household budget with all your expenses, but its easy to do and will also help you become very [...]

Budgeting Tips To Save Real Money

Sticking to a budget can be difficult, but with so many demands on your finances you have to be extra cautious. TV ads are constantly bombarding the airwaves with messages that you need to buy this or you must have that. Usually, if you just wait a week or two, the urge to buy that [...]

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