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5. Cash is Still King, so Use it Whenever Possible
At the end of the day, cash is still the best form of payment whenever possible. Cash also helps you manage your money better because it is physically on hand and this is what you have to work with. If you can only buy what you can afford in hand, you are more likely to make smarter purchases. By relying on a credit or debit card, most people do not pay close attention to where their money is going and they are more likely to make impulse purchases because they do not have the physical money in hand. Money that is out of sight is out of mind and is usually more costly.
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3. If you Carry Debt, Pay the Smaller Debts off First Before the Larger Ones
I like to think of this as a snowball effect and a consolidation technique. Starting off small and compounding to a large payoff, and eliminating the small debt early on so you can focus on tackling the larger ones. By taking care of the smaller debts first, you are setting small...
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4. Diversify Your Money When Possible
Most people that have any investments most likely have just a 401k and nothing else. While it is a great resource to have, it puts you in a high-risk situation because you are at the mercy of the stock market. It is especially tragic to hear about a couple investing in their 401k for 40+ years an...
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1. Always Have a Savings Cushion
We hear quite frequently that sitting on cash is a mistake because of the "silent tax", otherwise known as inflation eating away at it year after year. While this is true, and it is not the best investment to hold a huge portion of cash sitting in a savings account with a low-interest ra...
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Personal Finance Tips
It has always been important to have a solid financial plan, especially during times of economic uncertainty. In this list, here are five financial tips that I use on a daily basis that have worked for me and I hope you find value in them as well.
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2. Pay Yourself First Before Other Expenses
Make sure you are taken care of first financially, whether it is investments, savings, or having cash on hand for a rainy day before everything else. If you do not pay yourself first, then you are creating a system where you are making everyone else surrounding you a little wealt...
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🙋Am a self taught Digital Creator , Editor 💻 from India 🇮🇳 , as well as a Technologist and a COD Gamer 🎮. Interested in learning📒 new things always for keeping up with the trend .
Tips for Personal Finance and investing money in a better way.
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More like this
When you should use debit
- When you want to avoid getting into (more) debt: Since your debit card is connected to a checking account, you theoretically only spend what is available in your account.
- You want to pay for everyday purchases conveniently—things like gas, grocerie...
When you should use cash
- When you have an emergency: Cash is accepted everywhere, so have some on hand. Dave Ramsey recommends having at least $1,000 in an emergency fund.
- When you want to limit your spending: Psychologically, we spend less money when we use cash as you ca...
Spending money mindfully
- Leave the item for 24 hours. If you still want it and can afford it, then make the purchase.
- Don’t let “blowout sales” tempt you. Ask yourself if you would buy the item if it were full price.
- Check your bank balance first thing every morning. It will ensu...
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