FinanceDogma – Finance, loans, creditcard and mortgages

September 26, 2009

Winning the Balance Transfer Game

Filed under: Finance — Tags: , — admin @ 1:18 pm

On the surface, the balance transfer credit card offers that we receive on a weekly basis seem like a win – win situation. The way this works is that you transfer your high interest balances from other credit cards to a new credit card that offers little or no interest for a designated time. Most balance transfer credits cards offer a low interest incentive for about 6 months.  Many companies will even give you 0% balance transfer for 6 months. In some ways, these credit cards can seem like a great thing, but it would be good for you to dig a little deeper to be sure that these balance transfer credit card offers don’t actually put you in a worse financial spot.

The appealing thing about balance transfer offers is that it enables you to put all or most of your credit card debt on to one card. The perks that come with the offer, such as low interest, can really help out; especially if your current credit cards come with the typical 15% or higher interest. But like any offer, when used responsibly, they can be great, but consider the downside as well. Even though this balance transfer credit card is interest free for about 6 months, this interest will go up if you don’t have the balance paid on the credit card by the time your grace period is up. If all of your debt is on one credit card, then you are paying interest on a much larger balance than you were when your debt was spread out a little. (more…)

September 25, 2009

Finance tips – Starting your own small business

Filed under: Finance — Tags: , , — admin @ 1:15 pm

There are a lot of people nowadays who are finding it hard to make ends meet. This is not surprising, considering all of the financial struggle that has taken place within the last couple of years. Credit crunches, mortgage trouble, layoffs, rising expenses… all of these spell “hard times” to most of us in at least one way or another. Many people have lost their jobs, and have been forced to find jobs that don’t pay nearly as well. We have all heard the stories… mortgage lenders or stock brokers who lost their middle-class paying jobs and were forced to work as waiters or pizza delivery men… and this is only the brunt of the financial trouble that has plagued all of us.

Starting your own small business can be a great way to make up that extra income. Many people don’t realize that starting a small business doesn’t necessarily mean that you have to have a large chunk of “capital” to start out with. A few hundred dollars can get a company rolling that will make you some great extra money… and all you have to do is get it going! You might not be able to quit your day-job, but earning some extra money every month wouldn’t hurt, would it?

There are a lot of small business opportunities that you could research. You should definitely do your homework, and find out what opportunity best fits your skills and situation. The ideal small business is one which utilizes skills or equipment that you already possess. This way, your capital investment is minimal, your education needs are already met, and you can go right into the process of marketing your small business. Once you get rolling, you just need to stick with it.

September 24, 2009

Fastwire Cash – The Best Way to Cover Sudden Necessary Expenses

Filed under: Finance — Tags: , — admin @ 1:13 pm

Fastwire Cash will always be there to help in times of need, whenever you need instant cash for unexpected bills. You can get payday loans from companies of online lending, which do not ask questions regarding what you plan on using the money for.

The qualifications for payday loans are simple. All you would need are several requirements, such as your age, whether you have regular income or not, as well as whether you have valid checking accounts or not. With these bits of criteria at hand, chances are that you won’t have any trouble getting approved for loans.

A lot of people make use of Fastwire Cash for the following various reasons:

– No credit checks are involved, making it simple for anybody to use, no matter what their status of credit rating is.

– There are no long-drawn-out documents or paperwork that need filling out.

– It is possible to apply for payday loans from your own office or even from home, making things convenient, even with time constraints.

– You don’t have to worry about your security when applying online. Aside from you, the lender would be the only one to get your very personal information. (more…)

September 3, 2009

Saving money tips – Buying junk food

Filed under: Finance — Tags: , , — admin @ 1:10 pm

If you are a junk food junkie, than odds are good that you might be spending more money on junk food than you realize. Actually, junk food like soda, chips, Twinkies, and candy bars are a lot more expensive than we normally think about as well. Some candy bars, if purchased at any normal convenient store, are about a dollar. But some are more than that, and can even cost up to $1.79. That might not seem like much to us at the time, but actually it adds up to a lot. If you buy one candy bar per day at this price, you will end up spending almost $9 (by the time you include sales tax). This is $45 a month! Now, that is a lot of money to be spending on a candy bar, isn’t it?

Instead, you could almost feed your entire family for that much! For $1, you can usually buy a store-brand box of noodles to heat up for dinner. This will feed two to three people an entire main dinner course! And then, you can use the extra 79 cents to buy a $1 jar of tomato sauce. So, you can either get a candy bar for yourself, or you can spend the same amount of money on a pasta dinner for two or more people! Hmm, which sounds like a better deal… (more…)

August 30, 2009

Consolidate your Debt

Filed under: Finance — Tags: — admin @ 12:56 pm

Is your debt becoming something that is more than you can handle? Have creditors been calling you, trying to find out why you haven’t even been making the minimum payments? Are you having trouble sleeping at night, because you are wondering how you are going to get out of this mess? Well, the worst thing to do is nothing. You have to do something, because this problem will not go away on it’s own.

Secureloanconsolidation.com is a premier resource on the internet where many people just like you have found real-life answers to their debt problems, and most of this can be summed up in two words… consolidate debt.

If you can consolidate your debt, you can get it under control, and secureloanconsolidation.com is the perfect place to get this done. Of course, you can also explore other options, such as bankruptcy, refinancing, and tax information. Stop doing nothing about your problem, and talk to experts who actually know what to do! After all, wouldn’t it be nice to consolidate your debt into one low monthly fee that is affordable? Imagine, saving thousands of dollars in the long run while still paying off the same debt… Only in this case, you would be paying less every month, and would be able to put some back for other things that are more pressing. Visit secureloanconsolidation.com today, and find out how so many people, just like you, have found all the information they need to eliminate their debt for GOOD!

August 18, 2009

Saving money buying a car

Filed under: Finance — Tags: , — admin @ 1:04 pm

If you live in a small town like I do, than odds are that you probably buy your cars either used or from a local dealership. Well, if you do buy from dealerships, than here are a few things you might find handy to know. As you know, car salesmen can have the reputation of being wheeling-dealing salesmen, who will tell you anything to make a sale. Well, the truth is that there are two kinds of care salesmen out there. There are the bold, brash, proud car salesmen who are slick talkers, and there are desperate care salesmen who will do anything to make a sale. Generally you will get one or the other when you go to buy a car, and here are some things to remember about both types.

The slick talker.

These car salesmen will spin you every which way but loose to get you to pay more for a car, so here are some things to remember that might help you get the best deal. First, the smaller the town in which the dealership is located, the better off you will be. These dealerships don’t get as much business, and they are more willing to bend a little bit in order to make a sale. So, if you are shopping in a smaller dealership, than you need to be really interested, but don’t give in. Listen to the salesmen talk, try to talk him down, and if he doesn’t budge, than leave. Tell him if he can give you a better deal, than he should call you. You should do this EVERY time. Never buy a car on the first day. When you get the call, you will be more impressed with the numbers, I promise.

The desperate car salesman.

This guy is down on his luck, and he needs you to buy a car from him so that he can put food on his table. This guy just wants to sell you a car, so try not to give him too hard of a time. Of course, just like above, don’t buy the car on the first day. You SHOULD, however, demand a deal that you know the dealership cannot make. Then, tell them if they can get it close, to call you. ALWAYS LEAVE, and believe me when I say that they will ALWAYS CALL. And I promise that they will give you a better deal than you thought you could get, every time.

Buying a car is a mind game at the dealership, so play it. Hey, even if you don’t get the rock bottom price you imagined, it’s still fun, right?

August 1, 2009

Balancing your student budget

Filed under: Finance — Tags: , , — admin @ 1:36 pm

So, are you a high school student who has been having trouble coming up with enough money for everything? Between car payments (if applicable) and other financial obligations, is it getting harder to afford the things you enjoy? Like dates, movies, fast food, and cds?

Balancing your student budget is difficult, but not impossible. See, the truth is that it is hard to be a working high school teenager. The jobs don’t pay well, you don’t get many hours, and you somehow have to make due with what you have. This is harder than most people know, but there are things you can do to be able to afford all the fun things without sacrificing those things that you do need.

First, think about how much you make per month. Then, total up the bills you must pay (things like car insurance, car payments, money to buy band gear for school, etc.).  Now, figure out how much “fun” money you have left. Whether it is a lot or a little doesn’t matter.. What does matter is how you use it. And if you use it wisely, you can be much better off. (more…)

July 29, 2009

Controlling your finances

Filed under: Finance — Tags: , , — admin @ 1:51 pm

There is no doubt that spending has increased over the last couple of years. People are spending a bigger percentage of their money than they ever have, even with the economy of the world going through greater difficulties than it has ever seen before. Well, Kublax.com can help you figure out how to save more money. You see, the more you know about where your money is going, the closer you will be to controlling how much of it goes out.

Many people think that they know where all their money is going, however, the truth is that many spenders have very little knowledge of where their money goes. Kublax.com is a Website that can help you learn exactly where the average budgets spend their dollars, and it can help you figure out what areas need work in your budget. (more…)

July 27, 2009

Finance tips – Going back to school

Filed under: Finance — Tags: , , — admin @ 1:46 pm

There are a lot of people struggling to make ends meet right now… there are some people who are starting small businesses, some getting a second job, some changing to a higher paying job (if at all possible), but then there are some that seem to be stuck in a rut. If you feel like you simply cannot “break through” to a job with a better future, than going back to school might be for you. Getting a degree can do several things for you.

First, you can get a degree to give you the training that you need in order to get a better job. You don’t need to go for four years to get training in a very professional field. With minimal training, taking classes on the weekends and at night, and using money that you can get from government grants and college loans, you can get the education that you need to succeed.

And the best thing about colleges nowadays is that they are willing to work with you on your schedule, so that you can work and go to school at the same time. It is really very simple and easy to further yourself for the better… all you need to do is find a suitable school or technical institute by you. There are several community colleges which offer this training, and generally the jobs you can get from a degree like that will be not only better paying, but they will be more financially secure as well.

So, stop wondering where your future is going to take you, and do something about it today! There are tons of opportunities out there just waiting to be taken, and all you have to do is reach for them!

June 19, 2009

5 ways to save money

Filed under: Finance — Tags: , , — admin @ 6:20 pm

Are  your finances getting tight? Well, you are not alone. Everyone else is cutting back, trying to save, and trying very hard to make the most of every dollar. Well, did you know that you can also save a ton of money every single day by following just five simple rules? It is true. Shave hundreds of dollars per month, or even per week off of your spending platform so that you have more money for the things that matter!

1. Buy things in the cheapest manner possible. Did you know that you don’t really have to forgo the things you love? For example, soda. You don’t have to give up soda just because it costs money. But you can find cheaper ways to buy it. For example, if you usually buy it at the convenient store, try getting it at the grocery store instead. This will often save you a lot since soda is considerably cheaper at the grocery store. And if you usually buy cans, try buying two liters instead! This can save you even more money, because soda is cheaper if you buy it by the two liter bottle.

2. Buy generic brands. Name brands are great, but you pay for them too! Buying generic or store brands can save you TONS of money. And actually, store brands really don’t taste all that different, nor are they of lesser quality. And you don’t have to give up your favorite name brand things, just the ones you wouldn’t notice, like Spaghetti noodles, cooking oil, or bread. (more…)

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