February 2nd, 2011 
Sara Turner 
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If you have bad credit and are needing a car, these tips will help you land an auto loan. They’re easy to follow and will work for most people.
Posts Tagged ‘Tips’
Tags: Bad Credit, TipsTop 5 Money Tips to Live by
When it comes to thinks like saving money, spending less money, budgeting and retiring, they all have one thing in common. To do all of them, you need discipline and need to follow the helpful tips that will help get you there. There are several money tips out there to consider, but these are the top 5 you need to live your life by!
Top 5 Money Tips to Live by:
Yourself first – First of all, it is important to always take care of yourself before you take care of anyone else. This means if your children want the latest toys, your parents or friends need money, etc. YOU need to come first. You work for you, not to be everyone’s ATM.
Co-signing - You should never co-sign for anyone. If your friends or family members have bad credit and can’t get by with just themselves you know there is already a problem. Don’t be responsible for anyone else, especially when it comes to money.
Build money - It is important that you make money off of your money. So many people have a basic savings account that gains hardly any interest. If you’re looking to make real money on your money open up a CD or money market!
Insurance - Always make sure you have insurance! You may be able to get by with high deductibles, but never risk having none. We can’t predict things like a house fire, car accident, or when something may go wrong with our health. It’s way to costly and risky.
10% - If you want to retire at a reasonable age, they say you need to save at least 10% of each paycheck. If you can do this, you’ll be much better off than someone who doesn’t. Ten percent really isn’t that much, yet down the road if you put that money into a money market you’ll be able to retire!
Money is something that causes happiness, stress, and every emotion in between. Make sure you are smart with your money, plan for the future, and think about what’s important. For now, consider a few of these top money tips.
Personal Finance Tips
There are of course an untold amount of finance tips available from literally millions of sources. Some of the tips that are available though are passed on from generation to generation and they all make sense.
For instance, have you ever heard that you should pay yourself first? All that this truly entails is setting up your savings for immediate expenditures that will occur such as taxes. However, it also entails savings for medical emergencies, and emergencies caused by Mother Nature, for instance.
Another tip that makes tremendous sense but many have problems with is to avoid debt. Americans are notorious for spending more than they earn, and now with a financial crisis all around us, they now understand the wisdom behind those words, some unfortunately too late to do anything about.
Money Saving Tips
Those who are feeling the pinch of the recession are constantly looking for money saving tips, and there are hundreds of thousands available, but there are some that are not covered as often. Let’s endeavor to look at some of those.
If you are spending money to keep your money in a bank such as paying service fees, be it savings or checking, shop around and then change banks! You have too many printed checks left that you paid for, you say? You do not need those checks if you use free online banking, which most banks offer.
Collecting and using coupons seems to be tedious work that most of us would like to avoid, and many feel that it leads us to purchase items that we do not need, anyway. However, do not stay away from free customer rewards. T
