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5 Long-Term Financial Goals and How to Achieve Them

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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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8 Pieces of Financial Advice for New College Graduates

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After all, learning how to manage your finances before money mistakes happen can help you avoid easy-to-make slip-ups like dings to your credit score or an overdrawn bank account. If you received money as graduation gifts, that is a perfect start to an emergency fund. Understand and build your credit score.

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7 Ways to Save Money on Groceries without Clipping Coupons

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Since everyone needs to eat despite rising prices, many people are getting creative about how to save money on groceries. How to save money on groceries Your spending will vary based on where you shop, what you buy and how many people you have to feed.

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How to Save Money on Christmas Spending

Ian's Messy Desk

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. How To Avoid Overspending At Christmas (forbes.com).

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How to Launch (and Maintain) a Successful E-Commerce Business

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How to validate your idea Step 4. Follow this guide to understand how to build a profitable e-commerce store in a few weeks. How Not to Start in E-Commerce. Here’s how to find a lock: 1. How to validate your idea. Here’s how: 1. How user-friendly is the back-end? Choose a product or service.

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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. Don’t worry, ask questions.

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Is your customer service “naughty” or “nice?”

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Consumer Reports just came out with their holiday report card giving holiday shoppers some interesting facts Santa’s helpers will surely want to consider before buying gifts either at the mall or online.