One of the major issues affecting all of us in our lives is our relationship with debt. Even if you’re not particularly plagued by a growing debt that deprives you of living the life you really want to live in terms of the plans you have for the future, merely keeping your money in a bank signifies a relationship with debt regardless. The bank uses the money you deposit into your account to first create more money on their balance sheets (fractional reserve banking) and then they loan that created money out and charge interest for it. That’s perhaps a discussion for another day though, otherwise if you do indeed have debt which is hindering the quality of your financial life, you need to have a proper plan to get out of it. (more…)

As a business, unless you’re a nonprofit, you exists for the purpose of making money. Even nonprofits need money to function. Money drives the world, everybody needs it to live, and without it, economies fail. When economies fail, it creates a ripple effect and other economies struggle. If they don’t all out fail, somebody else takes up the gap left by the country that imploded, and world relations change as power switches hands. (more…)

The horror stories of big credit have had an impact on upcoming generations. More and more consumers are stepping away from credit cards, car loans, and mortgages. There is a movement towards living off the credit grid. Studies show that just 56% of consumers are carrying credit card debt compared to 87% prior to 2008. (more…)

Adding some zip to your home’s outdoor space doesn’t need to break the bank. Taking stock of the key areas and not overspending can help you get the best return for your money. So, what are the key areas and how can you improve them at a reasonable cost? (more…)

Everyone wants to get the best deal when they are shopping for products and services. A business is no different. Online businesses are purchasing mostly services to keep their online storefronts up and running. These services can range in price depending on who the service provider is and how efficient the services are working. It is imperative that online entrepreneurs shop around for these services to get the best price and the service that meets their needs. For example, if they are looking for managed IT service providers in Denver, Colorado then they are going to need to do thorough research to make sure they are picking the right ones for what their business needs, otherwise, they’ll have to take time out to shop around again. (more…)

If you’re tired of just getting by with your finances, then you will want to give this a read. Being on top of your money and kicking debt to the curb doesn’t need to be difficult. Sometimes it’s tough and hearing from people who are already in debt isn’t ideal for the situation. Nothing will change unless you’re willing on taking action when it comes to your finances. (more…)