Money Making and Saving

FREE tips and checklists

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Top 10 Tips for Affording Your Dream Home

Just a few years ago, home ownership was within reach for just about anyone with reliable income and decent credit. But the economy has undergone massive changes since then. Today, those who wish to buy a home must have a good credit history, and they must prove that they can afford the home to the satisfaction of the lender.

That's not to say that it's no longer possible to buy your dream home. It just means that you'll have to work a little harder for it. Here are some tips for affording the home that you've always wanted.

#1: Be Patient
Few people are able to buy their dream home at a young age. You may have to rent for a few years or buy a less expensive home first. The money that you save on mortgage payments can be put away to use when you are ready to take the plunge.

Top 10 Tips for Paying Down Your Debt

Debt is not an inherently bad thing. Going into debt can help us get the things we need and want - a home, a car, an education, or even a vacation. But when debts get out of control, they have a way of making your life miserable.

By the time most people realize that they have a problem with debt, they're at the point where it's hard to even make the minimum payments. And if they only make the minimum payments, they will remain in debt for years to come. Here are ten tips for putting your debt behind you.

#1: Stop Acquiring New Debt
It sounds obvious, but surprisingly few people follow this advice when they're trying to get out of debt. If you want to make any progress on the debt you already have, you must stop taking on new debt.

Top 10 Tips for Saving More Money

Saving money isn't always easy, but it's something that we should all be doing. We need savings for retirement, for our children's education, and to see us through unforeseen financial problems.

The ironic thing is that those who can least afford to save money are the ones who usually need to do it the most. But by using these tips, you can find money to save in just about any budget.

#1: Trim the Fat from Your Budget
If you're spending every penny you bring home each payday (or worse, more than that), it's time to take a long, hard look at your budget. If you have a written budget, go through it with a fine-toothed comb, looking for areas where you can afford to cut back. And if you haven't, the simple act of making one will help you take stock of where your money is going.

Top 10 Tips for Those Considering Bankruptcy

It's easier than most of us realize to get buried in debt. Sometimes it's simply a case of living beyond one's means. But even the most responsible spender can be blindsided by unforeseen circumstances such as health problems, job loss or a natural disaster.

Those who can't pay their debts often consider bankruptcy. If you're thinking about filing, these ten tips are for you.

#1: Stop Taking on New Debt
If your debts have become unmanageable, the last thing you need to do is add to them. After considering your options, you may find that you can solve your problems without filing for bankruptcy. But the more debt you take on, the less likely it is that you'll be able to do so. Also, if you do file for bankruptcy in the near future, taking on new debt could hurt your case. You might end up having to repay that debt anyway, or even have your case thrown out.

30 Facts and Statistics about Credit and Debt

Credit can help us get the things we need and want in life. But if we're not careful, it can also get us in trouble. Here are 30 facts and statistics about credit and debt that we should all pay attention to.

1.    According to the Federal Reserve, consumers had a total of $849.8 billion in outstanding debt on credit cards and other types of revolving credit in 2012.

2.    The average credit card user has 3.7 cards.

3.    Cardholders under the age of 35 got their first card at an average age of 20.8. The average cardholder over the age of 65 got his first card at the age of 40.6.

4.    33.1% of consumers used credit cards to pay bills in 2009, down from 57.6% in 2008.

30 Facts and Statistics about Mortgages

Home ownership is a big part of the American dream. It instills a sense of pride and helps us build wealth. Unfortunately, the state of the economy in recent years has turned the dream of home ownership into a nightmare for some. Foreclosures have become much more common, and more homeowners are struggling to avoid it. Here are 30 facts and statistics that paint a picture of the state of today's mortgage market.

1.    According to the Federal Reserve, at the end of the third quarter of 2012, Americans had a total of over $13 trillion in mortgage debt.

2.    Mortgage originations in 2010 totaled $1.57 trillion, including $473 billion in purchases and $1.1 trillion in refinancing.

3.    Wells Fargo was the leading residential mortgage lender in the third quarter of 2012, lending $140.7 billion and retaining a 28.64% market share. Chase came in a distant second, with $50 billion in lending and a 10.21% market share.

30 Facts and Statistics about Personal Bankruptcy

In today's economy, it's all too easy to get buried in debt. Living beyond one's means has become quite common, and even the most responsible debtor can be blindsided by unforeseen circumstances such as job loss or medical expenses. In some cases, the best solution is to file bankruptcy.

Bankruptcy is more common than most people realize. Here are 30 facts and statistics that will open your eyes.

1.    Chapter 7 is the most common type of personal bankruptcy filing, making up 69% of filings in 2012. 30% of filings were under Chapter 13, and less than 1% were under Chapter 11.

2.    Chapter 7 bankruptcy involves the selling of the filer's assets to repay debts. Certain assets may be exempt, allowing the filer to keep them.

3.    Chapter 13 bankruptcy requires debtors to commit a portion of their income to repaying their debts for the next three to five years. Once the payment plan is completed, the remaining debt is discharged.

4.    Nearly two-thirds of Chapter 13 bankruptcies are not completed, leaving the filer with undischarged debts.

30 Facts and Statistics About Saving Money

We've all heard about the importance of saving money, but how many of us actually have the savings we need? Between saving up for retirement, our kids' education and our own needs, the very idea can be quite overwhelming. But if you stick to a budget, it can be done. Here are 30 facts and statistics about saving money to consider.

1.    According to a 2011 FDIC survey, 29.3% of United States households do not have a savings account.

2.    Financial experts recommend that each household have sufficient savings to cover basic expenses for a minimum of three months. However, 43.9% of households have not saved that much, leaving them vulnerable to hardships such as job loss and medical emergencies.

3.    30% of workers report that they have under $1,000 in savings and investments.

4.    Although needs vary, it is recommended as a general rule that a worker save up eight times his annual salary by retirement.

33 Affiliate Marketing Tips and Ideas

1.    "Affiliate marketing has made businesses millions and ordinary people millionaires." - Bo Bennett

2.    Do you include a FAQ section and tutorials for your affiliates?

3.    How do you reward your affiliates - and why is that reward the perfect one?

4.    If you're writing a review, be sure to point out the benefits and drawbacks, as well as the features
5.    Your income may be passive but your blog shouldn't be. Keep it active: A dormant website won't produce income while it sleeps.

50 Tips for Increasing Profits by reinvesting in Your Online Business

Reinvesting in your business is one of the best ways to increase growth quickly. Here are 50 tips to help you increase you profits by spending money in your online business.

1.    "Do what you do best, and outsource the rest." - Peter Drucker

2.    Reinvest in your business by buying more advertising space in your market.

3.    Create new products or services to take your business to the next level.

4.    Reinvest your profits in help - an employee, a freelancer, an intern, an independent contractor, even your kids.

6.    Educating yourself and your employees is a good investment.

Property Rentals Checklist: What You Need to Do

Once you have all your information and are ready to move forward, a checklist is an important tool to have. It is easy to become overwhelmed in starting a new business endeavor - especially one as potentially profitable as this one - so having a step-by-step checklist is essential.

If you are successful - you never know - you may find a nice family who wants your space for the whole summer, every year.

Since this is a business endeavor, you will need to treat it as one by taking all the necessary steps to ensure a smooth transaction for both yourself and your guests. Here are the specific steps you should take...

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