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The Hurricane Katrina Survivors Will Be Victims Again... GUARANTEED! By : Stuart A. McMaster This time it will be our own governments mostly that will do the victimizing but some businesses will get it on it as well. Its simply one of the biggest revenue generating processes utilized by various levels of governments that very little is known of by the regular citizen. It causes family savings to be lost, assets to go uncovered and even inheritances to disappear over time. It victimizes the poor disproportionately than any other class in our society. Money Management By : Michael Russell Everyone that has ever worried about the state of their finances has worried about proper money management. Moreover, those individuals that like to keep a watchful eye on their finances also focus on good money management skills. Save Money And Get Rich Faster By : JP Book I just finished a Venti Latte at Starbucks, my fifth this week. As I enjoyed my coffee and thought about my next “save money grow rich” article, it hit me like a ton of bricks that my coffee could be the subject of my article. I started doing the math on the latte in my hand; Three dollars and forty cents multiplied by five times a week multiplied by fifty two weeks. 14 Ways to Save Your Money and Improve Your Credit By : Roger Chaumont Live within your means and your life will be so much simpler. Let's face it, if you earn $40,000 a year you shouldn't be driving $100,000 car. Finance Your Child’s Education – Stress Free By : DJ Nelson In 2002, the average annual cost for a public university was $9,338. It is estimated that by 2017, the average annual cost will be $19,413. And that’s just for tuition and credit fees. Let’s not forget about room and board, books, food, clothes and extra activities. Debt-To-Income Ratio - Why It's Just As Important As Credit Score When Buying A New Home By : Charles J. Phelan Explains in detail the formula lenders apply to each applicant when reviewing home loans. Discusses the potential problems associated with "creative financing" loans popular in today's inflated housing market. The Critical Flaw That Causes Most Budgets To Fail By : Charles J. Phelan Discusses the failure of most budgets to account for variable or irregular expenses. Explains the monthly averaging approach necessary to offset this problem. 10 Ways to Cut Your Electric Bill By : Paul Wilson One of the major concerns in the world today is depletion of energy. As concerned citizens all of us must make a concerted effort to be conscious citizens and save electricity. Electricity has become integral to life but imagine having to live without power. Create and Maintain a Budget By : First off, create a list of all your monthly income and also a list of your monthly expenses. When determining income, list all sources including alimony, child support, side jobs, etc. In calculating expenses, be sure to include housing, food, transportation, utilities, entertainment, etc. To gain an accurate reflection of actual expenses, sit down each night and write down expenses, just make sure to save receipts. Determine if your income covers all of your expenses. UK Consumers Start Clawing Their Way Out Of The Financial Debt Pit By : Michael Hanna Another year ended, and another round of UK debt statistics. CreditAction has just announced the latest summing up of the personal debt situation in the UK. Seven Ways to Control Bad Spending Habits By : Ian Williamson Many people dream of retiring with a healthy bank account but few people actually achieve it. This is largely due to lack of discipline in building up their retirement fund and poor spending habits. While building a retirement fund requires time, you can accelerate the process by making incremental but positive changes in your spending habits. Here are seven ways that you can change your daily lifestyle for more positive results in your spending habits. What Happened To My Money? By : Mosiekk Conley Have you ever found yourself asking this question? If you have you are not alone. There are thousands of people who find themselves looking at their bank statements or calling their banks and asking this same exact question. Are You Getting The Right Values For Your Money By : John MacKenzie How you spend and manage money is a tangible way to measure your values. I You Want To Make Money: Avoid Debt! By : Rene Graeber Everybody starting in life should avoid running into debt. There is scarcely anything that drags a person down like debt. It is a slavish position to get ill, yet we find many a young man, hardly out of his "teens," running in debt. Americans Have Staggering Amounts Of Debt; It Only Stands To Get Worse By : If you’re like most Americans, you owe a lot of money to a lot of people. In years past, credit was hard to obtain, and if you needed cash, you had to go to the bank and try to obtain a personal loan. That may or may not have been possible, depending on whether you knew your banker well or not.

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