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Month: August 2008
How to avoid hip fracture
Hip fracture is a leading cause of disability amongst seniors, and can lead to other complications as well, such as the bad effects of a sedentary lifestyle on overall health, pneumonia, and permanent lack of independent mobility.
http://www.everydayhealth.com/PublicSite/index.aspx?puid=3DA46228-905A-47BB-BB1C-A8478D57422B&ContentID=263205&ContentTypeID=57&contentPage=5&searchTerm=&xid=nl_EverydayHealthHealthyAging_20080408
Don’t ruin your credit score by accident
Here is a useful article on the unexpected ways you might be ruining your credit score
Yet another Obama Flip-Flop
http://news.yahoo.com/s/ap/20080804/ap_on_el_pr/obama
What does this say about him that on the one hand he acts so smugly self-confident, and on the other he is literally doing or saying whatever he wants in order to get elected.
Obama’s new ‘proposal’ includes two significant reversals of positions he has taken in the past: He had steadfastly fought the idea of limited new offshore drilling and was against tapping the nation’s emergency oil stockpile to relieve pump prices that have stubbornly hovered around $4 a gallon.
Not only did Obama push for drawing from the Strategic Petroleum Reserve, he also reiterated his changing position on offshore drilling “” first revealed last Friday “” suggesting that he could live with it if done in an environmentally sound way and as part of a bipartisan energy compromise.
Once the got the nomination, he completely changed his tune and while I would not go so far as to say not to vote for him, since anything has to be better than yet another Republican, just keep in mind we need to hold him accountable so we do not end up with an even worse president than Bush.
Worried about better gas mileage?
Finances: The Importance of Creating a Budget for Yourself Part 2
Part 2.
To get you started with saving your money, to help relieve the stress and other issues often associated with debt, you will want to start by outlining all expenses that you must pay for on a monthly basis.
These expenses are ones in which you cannot go without paying, like rent, mortgage, homeowners insurance, auto insurance, auto loan payments,your utility bills, and finally, groceries. These are the expenses that must be paid, no matter what. If you have any money left over after all these obligations are met, you are fortunate.
Once you have a detailed list of important expenses, the next items are luxuries you have to decide upon. There is no right or wrong answer. You just need to remember that everything involves a sacrifice. So try to keep your long-term financial goals in mind when deciding on whether or not to spend money on these luxury items.
Such items include internet access or cable television. If you are just looking to save money, possibly to put into a savings account, you should be able to continue paying these expenses without any problems.
On the other hand, if you are looking to dig yourself out of all of the unpaid debt that you have accumulated, it may be a good idea to go without internet access or cable television, if at all possible, even if it is just for a short period of time, to pay down that debt, so the interest doesn’t keep accumulating. Some credit cards can carry an interest rate as high as 30% and some sort cards, almost 50%.
There is no point in putting money into a savings account at 4-5% if you are paying 30% for debts.
You can also use your budget to determine how much extra money you will have each month. You can do this if you regularly work the same hours or if your pay is salary-based.
Once you have totaled up all of the aforementioned expenses, you can subtract that from the amount of the money that you bring home each week. Any extra is money that you may want to consider putting towards your debt or savings. Once you are free of debt, then you can start to save.
We have other articles at the site on budgeting and on asset management and investing. The important thing to remember is to get out of debt as fast as possible, or never get into it. Then, once you are debt-free, you can start saving towards your long-term financial goals.
A budget is not meant to be a straight-jacket, but it will help serve as your road-map to a more successful financial future.
Finances: The Importance of Creating a Budget for Yourself Part 1
Are you a debt-ridden woman? Even if debt may not be an issue for you now, there is a good chance that it will become one in the future if you don’t keep an eye on your income and expenditures with a workable budget.
Whether you are in debt now, or if you are looking to prevent yourself from falling victim to it, you need to put a sound budget in place as soon as possible to start planning better for your financial future.
Before examining how you can go about creating a budget for yourself, it is important to understand why you need a budget. As previously stated, budgets are a tool that can be used to make sure that debt does not become or remain an issue for you.
By creating a budget, you can track your spending, and make sure that your make it a priority to ensure that all needed expenses, like your car, insurance, rent or your mortgage, all get paid.
A budget also gives you the opportunity to examine how much extra money you have each month, money that you could put towards paying down your debt, or putting into a savings account to start working toward your long-term financial goals.
When it comes to creating a budget for yourself, you should be able to find a number of budget templates online. There are a couple of suggested ones here at the site as well.
While these free resources are nice, you may only want to use them as starting points. You can get great ideas from them, but you may want to create your own budget. This is important because not all individuals lead the same lives or have the same expenses to take care of.
For instance, a budget template for those in New York City may not necessarily call for car payments or auto insurance, but if you had a vehicle, you will need these sections displayed on your budget.
It is also advised that you take the time to create a budget for each month of the year. As previously stated, a budget allows you to account for what you spend on a weekly and monthly basis, but not all months are created equal.
For example, you may have a ton of family birthdays in August, or have to go see your family for Thanksgiving every year, which will mean budgeting for travel expenses. Christmas is always a very expensive time of year, and can get really out of hand if you don’t budget for it.
Creating individual budgets for each month of the year may seem like a complicated process, but it doesn’t have to be. It may take a few extra minutes, but those few minutes are more than worth it.
Continues in Finances: The Importance of Creating a Budget for Yourself Part 2