Good intentions can only go so far in changing bad habits. It takes time and commitment to change bad financial habits. Scientists studying addiction have found that a brain chemical, dopamine, is released when humans experience pleasure. Dopamine is a neurotransmitter that sends messages throughout the brain and creates pathways that lead to addictive behavior. [...]
Things to Consider Before You Apply for Student Loans
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Talk to just about anyone who is currently repaying their student loans and they will likely tell you that there are lots of things they didn’t know or wished they would have done differently when they got their student loans. One of the most popular misconceptions about student loan debt is that it is “good [...]
Is Your Credit Report Costing You Job Opportunities?
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You’re interviewing for your dream job and you’ve got all the right qualifications, from the college degree to required skills. You think you’ll make the perfect fit for the position, until the job recruiter asks to pull your credit report. Suddenly you realize that all those years of work experience may not be as important [...]
7 Ways to NOT Blow Your Trading Account
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This post is for people who are already trading the market or are interested in trading. Remember, trading is much different than investing, so if you’re interested in investment strategies, these tips aren’t for you. If you are already trading, let me know in the comments below whether you are able to relate to some [...]
12 Savvy Ways to Save Money in College
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Being a student, by definition, means you’ve got to do all you can to save every penny you have. And if you’re saving those pennies for investing, each of these steps will help you get there quicker. Freshmen, you’ve got an advantage – you’re starting from the bottom, so you get to build a super [...]
Looking for Real Competitive Advantages in the Stock Market
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Over the years, I have noticed an interesting phenomena. Many participants in the stock market discuss competitive advantages of their investments and why these advantages will guarantee a bright future for their investments. However, it seems to me that most of these advantages revolve around a key brilliant (and charismatic) manager, a newly found technology [...]
Why Aren’t You Investing in The Most Important Thing?
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Too often, college kids and recent graduates (like me) get sold the same pale of career and investing advice: save up your money, make wise stock investments, dump some cash into your 401(k), and dear God, take absolutely no risk…take joy in sitting in your cubicle crunching numbers all day! I’m not going to say [...]
Student Credit Cards – What to Look for When You Apply
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This guest post was written by Jason Bushey. Jason is a personal finance blogger. Ah, the joys of college. The late nights, the library cram sessions, the … credit card offers. OK, so we get nostalgic about a lot of things when it comes to college, but credit card offers aren’t one of them. But [...]
Top 3 Tips for Setting Up a Savings Account
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A savings account is more than just a place to stash your cash. It’s a fundamental building block in upping your credit score and a personal safety net in the event of an emergency. Savings accounts make planning ahead for major purchases such as a car, a home, or a college education a steady process [...]
Is College a Good Investment?
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This is a guest post from Jon Haver who graduated from college with student loans and now writes about how he paid them off at paymystudentloans.com When is a college education a good investment? Of the 15.6 Million undergraduate students who are in university right now, how many have had a serious look at whether [...]
Buying A Home? Tips That Can Save You Thousands
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This is a guest post from Dominique Brown, a financial planner and personal finance blogger who writes at Your Finances Simplified. “Buyer’s market” is perhaps the best phrase to describe the housing and mortgage markets today. If you are buying a home today, you will be able to take advantage of low interest rates and [...]
Summer Jobs for College Students are a Smart Move
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At the end of their second semester each academic year, college students are blessed with the luxury of a summer vacation: a time to replace the books, study, and exams with, for most at least, three or so months of no real commitments or responsibilities whatsoever. It’s certainly a special time. But, from my experience, [...]
Finding Monetary Value in Household Items
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Looking to make a little extra money? Like most people, you probably have plenty of items you’re not using taking up space in your home. It takes a little work, but you can find the value in these unused goods and sell them for cash. The trick is to sell each item in the appropriate [...]
7 Awesome Android Apps to Help Manage Your Finances
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How closely are you watching your money? Everyone knows that managing your personal finances with care is important for your future. Fortunately, these days keeping track of your financial goals is easier than it has ever been. With your Android smartphone, you can easily manage your finances with these seven cool apps: Google Finance: This [...]
How to Survive Your Student Loans
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It’s no secret that student loan debt has gotten wildly out of hand in the past few years; in August of 2012, it hit $914 billion. But what else are you supposed to do? Getting a decent job is pretty much impossible without at least a bachelor’s degree and tuition is just flat-out expensive. Even [...]
How to Start Your Own Side Business
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In an economy where the cost of living is going up, and the average household income is remaining stagnant at best, many individuals may find it necessary to supplement their earnings. Whether they want to save for college or retirement, add to the family vacation fund, or simply make ends meet, many people are considering [...]
Our Outlook is Rosier – Now What?
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Rising confidence doesn’t mean it’s time to open your wallet In May, Reuters reported that consumer sentiment was at its highest levels since late 2007. Those were the early days of the financial crisis, one that a recent Federal Reserve report determined had caused a nearly 40 percent decline in America’s median net worth. So [...]
Ways to Save on Gas and Electricity
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More often than not, people worry about spending beyond their means, especially if they run a business. While cutting back on buying raw materials, purchasing cheaper goods and the like can help to bring down the cost of overheads, there are some things which seem to get more expensive, no matter how much you try [...]
5 Things Not To Spend Money on in College
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This is a guest post from Josh, who is a college student, startup founder, and weekend warrior. Check out his blog, Entrepreneur Stories. “Live like no one else now, so that later you can live like no one else.” – Dave Ramsey. Follow that advice and when it comes time for your 20 year school [...]
Finding Financial Aid for College
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This is a guest post from Jonny Pean, who blogs about personal finance at Financial Wand. College life not only enriches, but also imposes a few burdens on college students. As you prepare to leave your mark in college, new horizon of responsibility and anxiety can choke your path. For example, how are you [...]
