Personal Finance And You

Below you’ll find the posts at Financial Advice Zone from the personal finance category.We highly recommend you read each of them if you’re serious about saving money on your personal finance

Stock Analysts – Does Anyone Really Care

financial advice

If you’re an investor, you probably know that Wall Street is full of analysts who study and report on what they believe is the health and stability of stocks as well as commodities and other investment products. Their primary duty is to give investors unbiased, tradable advice based on careful study of industry analytics as [...]

Long Term Bonds and S&P Divergence – What Does it Mean

stock market chart

If at the beginning of 2011, anyone had forecast long term bonds returning more than 20% by year end you might expect that stocks got pummeled. Oh contrar, the S&P closed at 1,267.50 on December 30th down .04 points or 0.0%, the Dow was up a few percent and the Nasdaq was down a few [...]

Giving Up Credit Cards Once and For All

credit cards

Often one of our readers leaves a comment or sends an e-mail that that we think will help others. Recently I traded e-mails with a reader and had a discussion about credit card usage. As you may know my position on credit cards is to avoid them at all cost.  My idea of proper credit [...]

Debt and Your Emergency Fund

family emergency fund

Getting out of debt requires a detailed plan of attack. Most people fail at getting out of debt because they simply ignore one of the most basic fundamentals of getting out of debt. You have to stop taking on more debt. In the beginning it may seem that you are taking three steps forward only [...]

4 Ways to “Modestly” Save Money Now

saving money

Saving money is not thought of as a fun activity by any means because it seems to involve a great deal of sacrifice. Often it seems like you have to go through a lifestyle overhaul to reduce spending and increase your savings. It can be particularly challenging when you have credit cards you are trying [...]

Saving Money – Children’s Birthday Parties

saving money

Your son’s or daughter’s birthday is coming up and you want to throw him or her a birthday party to celebrate the special day. All children love birthday parties and they enjoy sharing them with their family and friends. Your child though does not have to worry about the cost but you as a parent [...]

Saving Money On Your Grocery Shopping – Part Two

saving money

We looked at some practical ways of cutting your grocery bill in part one and now we will look at some more ways. Some of the suggestions may suit you better than others and that is fine. Try out a variety of ways and see what you find what works best! With all of the [...]

Saving Money – Planning a Wedding on a Budget

financial advice

You are getting married! That is wonderful!  Or maybe your closest friend is or your sister. You might have images of having a wedding like Hollywood celebs do but if you are living on a burgers and fries budget then you need to be as disciplined as possible in designing your wedding budget. You want [...]

Saving Money – Food for Your Pet

personal finance

It is such a joy to have pets and to make them a part of your loving family! But just as food for people  is constantly going up and getting more expensive all of the time the same can be said for the food for your pets. There are ways that you can reduce the [...]

Stock Market Swings – How Volatile are You?

saving money

With all of the discount brokers popping up, investing must be easy, right? Start an account, buy some stocks, wait for them to go up, and collect your loot. Somewhere along the way even the people who are supposed to be the intellectuals lost their way. I read an article in Forbes this week written [...]

Saving Money On Your Grocery Shopping

save money

We all have to eat and not going to the grocery store is not an option that is available to us! Buying groceries can be expensive, especially for those who are living on modest incomes or shoestring budgets. A budget can only be stretched so far after all! What can you do to save some [...]