Earn Extra Money for the Holidays – 10 Ways to Boost Your Gift Budget

November 29, 2013

It’s hard not to break out the credit cards during the holidays when you don’t have any extra money to buy gifts. Budgeting and planning ahead of time for Christmas gift shopping is the key to staying away from getting into holiday debt. However, some of you have budgets that are too tight to save extra […]

How to Start a Business Without Quitting Your Job

August 26, 2013

A lot of people would like to start a business, but not if it means quitting their job. If you’ve never been an entrepreneur, it can be scary. While a job promises a steady paycheck and usually benefits too, being self-employed promises neither. But that fear disappears if you can start a business without quitting […]

Why Income Security is the New Job Security

March 19, 2013

Until about a decade or so ago, employees were heavily concerned with job security. It’s not that that’s no longer a concern – it’s just that it’s so much harder to come by now. For this reason, income security has become the new job security. If it’s impossible to be guaranteed a job, then the […]

Earning More and Spending Less to Pay Down Debt

January 28, 2013

When it comes to paying down debt, people often focus on finding ways to cut spending. Others try to find ways to earn more money. In truth, in trying to payoff debt – especially if it’s a large amount – you’ll almost certainly need to do both. How to Earn More Money One of the […]

Should You Use a Job Offer to Negotiate a Raise?

December 14, 2012

Using a job offer to negotiate a raise from your current employer is hardly an unusual strategy. Some employers won’t give a significant raise unless they’re forced to by the prospect of an employee leaving. But if you do use this strategy to negotiate a raise, be aware of the risks involved and do what […]

What is a Good Debt to Income Ratio?

November 13, 2012

A common question amongst potential home buyers is what a good debt to income ratio for the loan underwriting process. As important as this question is for home buyers (or those looking to refinance their loans) it isn’t just for this group of people. Everyone should know what a good debt to income ratio is […]