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5 Long-Term Financial Goals and How to Achieve Them

Success

Pay off major debts Expected time: 5+ years Account types: Credit card debt, mortgage, student loans, car loans Getting out of debt is essential to the success of your other long-term financial goals. In addition to your own contributions, many children receive cash gifts for birthdays or holiday presents over the years.

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How to Know If You’re Financially Ready to Start a Business

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How would you describe your product or service offering? For example, if a relative gives you an intrafamily loan, they’ll want to charge a minimum interest rate so it doesn’t count as a gift (which would trigger gift taxes). (And those are only some reasons you should create a business plan.). What’s your mission statement?

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7 Ways to Save Money on Groceries without Clipping Coupons

Success

Keep reading for ways to help you make the most of your budget. According to the Federal Reserve Bank of Kansas City, a tight labor market means wage increases, which have increased the costs of production, labor and distribution. But with some simple changes to how you shop, you can stretch your food budget further.

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10 Christmas Organizing Tips

Ian's Messy Desk

You can also create columns on your spreadsheet to track gift ideas, friends’ children’s names, ages, birthdays, etc. Have a gift-wrap center. If you have to search for a gift-wrap supply each time you need to use it, that’s not organized or easy. Ask people what they want for gifts. Set a budget. Productivity'

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How to Save Money on Christmas Spending

Ian's Messy Desk

Work from a Budget. Make a list of everyone you plan to give holiday gifts to this year with an estimate of what you want to spend. Add a small buffer for unexpected gifts for people you forgot to include, or for people who unexpectedly gave you a gift and you feel you have to reciprocate. image via Wikipedia.

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10 Tools to Help You Track Your Money

Productivity Bits

Productivity does not start and end at the office. I’ve said in the past that finance is an area that you have to be productive as well. In fact you have to be productive at all fronts. Although SmartyPig is free to use, there is a processor fee for gift cards. Guest-Post. The iWallet app is currently $2.99

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10 Christmas Organizing Tips

Ian's Messy Desk

You can also create columns on your spreadsheet to track gift ideas, friends’ children’s names, ages, birthdays, etc. Have a gift-wrap center. If you have to search for a gift-wrap supply each time you need to use it, that’s not organized or easy. Ask people what they want for gifts. Set a budget.