We all want to leave the office and our bosses behind one day and retire. Then we will be the masters of our own destiny for once. What about self-employed people? One could argue that they are already the master of their destiny. However, even a self-made person wants to take [...]

I want to make home improvements. My home is twenty years old and needs to come into the modern era. I don’t have the cash it would take to do the work. Should I refinance my home loan to pay for the costs?

Refinancing mortgages has become commonplace these days. At one time, the first mortgage was the only one that you maintained. However, as interest in real estate investment and the increased use of credit cards by consumers have led to more debt, refinancing has become a popular option for homeowners trying to get out [...]

Few people go into debt with the intention of getting in over their heads. Most of us borrow to get the things we need and want, with every intention of paying back every penny. But sometimes things do not work that way.

Budgets are fantastic tools to keep smart business owners from spending too much, but what happens when you have more money than you’ve budgeted for? What do you do when there is an excess? What a problem to have!

It’s hard to teach teenagers something that they don’t think they already know. Parents are seen as ignorant of what is important to them. Despite what they think, however, parents do know about money and the consequences of using it unwisely. Show them what you know by teaching them a few things [...]

If you are saving money, perhaps for something special, you may find yourself wanting to earn extra money in order to meet your goals in a quicker fashion. There are many ways to make extra cash even when you are working full time. One of the best ways to make more money in [...]

One thing that everyone wants to avoid is to owe money to Uncle Sam. It is a hard thing to manage sometimes, but many people manage to keep him away from the door. One way that lower income families can recoup the money paid out in income taxes is through the Earned Income [...]

Let’s talk about the earned income credit, or EIC for short. This credit is for low to middle income families who meet the qualifications. The process of understanding the credit can be a hard task, so watch out. Claiming the credit when you are not entitled to it can result in penalties.

Children learn by watching others. Who do they watch more than their parents? As parents, we need to be careful to put our best foot forward in matters of money in order to give our kids a healthy start in that arena.