It's the most powerful tool in our financial toolkit -- so why do so many of us run screaming from this exercise? At its most basic level, it's a personal money plan requiring a little bit of addition and subtraction. It's a plan that allows you to take control of your financial situation and live within your means.
During the 30 days leading up to Christmas students and youth aged 16 - 29 told us that they are spending more on holiday activities and gifts for others. And it doesn't end there. Most troubling for many students will be paying tuition next semester. Here are some tips from StudentAwards for how to beat the holiday spending crunch.
We have all been there. Two weeks before the winter holidays, three gifts left to buy and zero dollars left in the holiday budget. For many, this is the point where we either stop shopping or cross that thin financial line and set ourselves up for a nasty holiday debt hangover. So, what do you do when the holiday well has run dry and you still have a few gifts left on your shopping list?
We know that it's easy to get swept up in the season of giving (translation: shopping), but why are we so surprised every January when we get that credit card bill? To avoid the rude awakening from holiday amnesia this year, there are a few simple and savvy holiday tips to employ before hitting the stores to keep the shopping budget in check.