So just what are values based financial planning and is it anything that you may be interested in. In short, values based financial planning is quite simply a method of financial planning that integrates your personal values into decisions that are made. Sounds simple right? Well its not.How Can You Be Sure?For instance, you may have already been doing some type of Values Based Financial Planning on your own by simply avoiding investment...more
How to Manage Money and Eliminate DebtDashing through the mallswith credit card in handbuying big and smallI don't understand I wish I had more cashbut my credit card I'll useI spend it in a flashOh, I have the holiday blues Oh, Jingle Bells my credit smellsand I think I broke the bankOh, I wish I was debt freebut I have myself to thank Oh, Jingle Bells I'm pennilessand I have some bills to payI still have some things to buywhat else can I...more
Many people hope that their working income will give them all they need to make ends meet and achieve their goals. The reality is that for most people, the regular job will never supply enough money to enable you to become financially successful. Today, we will look at the steps you can take to earn more money.Create Extra Income As we confirmed last week, proper budgeting is vital to all financial decisions. Once you fill out your budget accurately, (you can download one at www.financiallysmartonline.com) it will show if you"re spending too much money or not making enough money. If you"ve cut back on non-essentials and still can"t find enough to pay your basic expenses, then earning more is your only option.The first step is to break down your monthly deficit into a smaller amount that seems easier to achieve. For example, if your shortfall is $15,000 monthly, ask yourself "What can I do to make an extra $3,750 per week, or $500 per day?" Dissect it even further "" how can you make $50 profit from ten people daily?An obvious, but underutilised way of finding more money is to try to earn additional income on the job. Why not check with your human resources department to see how you...more
As a college student, you may agree that life is not easy all the time. Aside from the challenges of dealing with peers and professors, passing exams, and keeping up with the daily school activities, financial issues can also add to the pressure. Many college students today find themselves confronted with the burden of debt on their...more
Women grants are a form of federal grants just for females. A federal grant is a financial assistance awarded to a recipient by a federal agency to help out the American public. The Department of Health and Human Services (DHHS) has provided detailed information about federal funding opportunities online. Online applications are encouraged and the...more
Looking to make money online? A lot of people are looking to do the same as well, but not many people know where to start. If you are one of these people looking to create an internet business for the first time, but are wary to put in much money before understanding what you are doing, I then suggest investing some time into a drop shipping business.Drop shipping is simple. A company sells a product at a wholesale price to only businesses. They will ship the product on your behalf to your customer. Essentially, you create the website, advertise it, and hold no inventory; the cost to start and run this type of business is quite minimal.First, choose what you want to sell, and then find a distributor who will drop ship your products for you. A simple Google search will suffice. Next, you will need a domain and hosting. Choose a domain name that is short, simple, and explains what you are selling. Hosting can be found through a search as well and is fairly inexpensive.Next, you will have to create a website and accept payments; I suggest finding open-source e-commerce software and if youre unable to work it, find a web designer to help. You will need to have some form of...more
We all know that paying bills is becoming harder and harder as the world economy struggles. It is harder to hold onto jobs and maintaining your quality of living can be tough as inflation strikes. If you've been struck by unfortunate circumstances...more
Small business government grant money is readily available today. The Obama administration is seeking to give millions of dollars away in grant money. Here are some steps that will hopefully help you in receiving a grant for your small...more
A government small business grant is more easily available than other forms of loans. This is because grants unlike loans do not require collateral or any other form of security. There are many thousands of dollars available as government small...more
Government home grants are often thought of as low-income housing programs, but there are many real estate grant programs for individuals and investors of all income levels and credit scores. Depending on what your specific goal is, there is...more
The proper government grant for business information is crucial to your receiving a business grant. Most people do not receive a government grant because there are no grants, but rather because most people do not know how to properly apply for a...more
There are a multitude of Government college grants and student grants available today. Many people fail to receive government college grants, even ones they may be qualified for, because they do not understand how the grant application process...more