Recent free Personal Finance articles


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Don't Drop the Retirement Ball
Juggling may be entertaining, but the average person may not have the concentration to keep the balls in the air. Yet half of Americans in their prime savings years juggle their retirement money in three or more accounts, according to Fidelity Investments estimates.

Don't make these seven mistakes when dealing with debt collectors.
Here are seven mistakes people make when dealing with a debt collector. DOn't you make them.

Don't Trap Into A Credit Card Debt, It Too Costly!
While swiping the credit card is a very effective way to pay without using any type of paper money, it has led many people into a debt trap. Read this article to find out how much your credit cards actually cost you.

Cut Your Utility Bill
Well, we're all reeling from our utility bills. So, what can be done to cut energy costs?

Debunking Common Knowledge About IRAs
According to a recent "Retirement Trends" survey by Fidelity Investments, 96 percent of Americans saving for retirement don't know the current contribution limit for an individual retirement account, with some guessing as low as $1,000. The reality is that for tax year 2005, IRA contribution limits increase to $4,000 -- up from $3,000 in 2004.

Developing a Successful Home Budget
Hoping for the best when it comes to budgeting rarely works out well.

Do-It-Yourself Financial Planning.
Instead of spending copious amounts of money paying a Financial Planner, why not learn the easy way to get the same information by doing it yourself? This article shows you how to take control of your financial future.

Credit Counseling -- Why It Doesn't Work For Most Debtors
Discusses why credit counseling has come under attack by consumer groups for failing to do the job it's advertised to do. Explains the main reasons for credit counseling's failure to provide debt relief for most enrollees.

Cutting Heating Costs
Proper furnace care and smart purchases can help you reduce the high costs of heating your home.

Cutting Your Kids' Schooling Costs
Whenever the school season is just around the corner, there's only one thing that parents are thinking about - the impending costs. Education is a primary right and a pertinent need of every child but it can become very costly. Availing of scholarships and education grants for your children is the best way to get them through schooling. But of course, only a small percentage of children can be given these privileges.

Credit Cards for Bad Credit - How to Choose
It is important that you do your homework and find the right credit cards for bad credit that suits your needs and situation.

Credit Cards For Bad Credit - Might Be Helpful
Credit cards for bad credit can be the first step in taking the needed steps to restore your credit to good health.

Credit Cards For People With Bad Credit- Facts
Credit cards for bad credit are certainly not going to be the best credit deals, but credit cards for people with bad credit might the only options available.

Credit Card Debt and Interest
Debt, especially credit card debt can accumulate very fast and many people soon find themselves barely able to even make the minimum payments. Remember if you are late on only one payment, your rate could increase drastically.

Consumer Confidence In Banking Takes A Hit
One industry professional stated that consumer confidence in banking and finance was already fairly low, and added that the recent turmoil with Northern Rock has contributed to this lack of confidence.

Convert To Roth IRA Regardless of Income - 2010
An odd quirk in the recent legislation to extend the Bush Tax Cuts is giving IRA holders a huge break. For one year, and one year only, the income cap will be gone.

Cost-Effective Ways to Cool Your Home
As the temperature rises, so does the cost of cooling your home. But a new federal law may help keep your home both cool and cost-effective.

Creating Surplus Cash For Savings and Investments
Living below your means is more a matter of self-discipline. A few adjustments here and there could be all it takes to have the necessary funds available for saving and investing.

Changing You Spending Habits
It is every one dream being a millionaire and retiring with a healthy bank account, but how many people can actually achieve it? So few. This is largely due to lack of discipline in building up their retirement fund and poor spending habits. While building a retirement fund requires time, you can accelerate the process by making incremental but positive changes in your spending habits. Here are seven ways that you can change your daily lifestyle for more positive results in y...

Check Out These Check Facts
Checking accounts have changed and you may want to spend some time checking out the changes and how they affect you.

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