Thursday, September 6, 2012

Personal Finance Tips That Will Help You Save Money | Connecticut ...

Managing your money does not require a degree in finance. All it takes to preserve and even expand your financial assets are a little good fiscal advice and a touch of common sense.

If you have children and you are planning on sending them to college, it best that you start saving money as soon as they born. The cost of college is rising far faster than inflation, so if you wait until your child is a teenager to start saving, you are unlikely to be able to save enough to cover all of your child?s tuition.

You can better understand where your money goes when you write down how much you spend every day. By writing it inside a notebook that can be closed, it might get forgotten because it?s not in plain sight. Instead, try setting a full-size whiteboard in your bedroom or office to list your expenditures. When you see what you?re spending throughout the day, your finances will be on the forefront of your mind.

Sell an old laptop. If it?s working or it can be fixed then it can go for a little more money than broken ones do. You can still get a little money for a laptop that doesn?t work.

Many products out there have some kind of a warranty on them, and if something should go wrong with the product, it would tend to happen during the period of the warranty. Extended warranties only serve to profit the company you bought them from.

Buying a vehicle is a huge expense. You should make an effort to not spend more money than you need to on a vehicle. You can do this by doing price comparisons between the different companies selling the car you want. If you do not find any good prices, you can try the Internet.

Credit cards can be a good alternative to a debit card. Once you have applied for, and received your card, you should use it for all of your day-to-day purchases. Earning rewards can get you cash back for the things you normally purchase.

Check up on credit reports to see why you are having trouble obtaining credit. It is not uncommon for credit reports to contain old or erroneous information that is damaging to the overall score. If you locate a mistake,m you should contact the credit company and tell them you want it removed.

Protect yourself financially with the best health insurance policy for you. Everyone gets sick during their lifetime. That is the reason it is important that you have good health insurance. If you don?t have insurance you will be looking at healthcare bills that could add up to thousands of dollars. With the right insurance, you?ll be covered instead of facing years of debt.

Clearly, it is possible for anyone to increase his or her net worth, live within his or her means and enjoy the pleasant financial life he or she craves. If you use the tips you just read and stick to your budget, pay down your debt, ans save some reserve cash, you can start your financially independent lifestyle today.

Source: http://ben.connecticutfinace.org/personal-finance-tips-that-will-help-you-save-money/

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