The Unconventional Guide To Holiday Spending

Holiday decorations and gifts

Listen up, it’s that time of the year. Yes, again! You know the sound of sleigh bells ringing, cash registers ringing and all of that. Are you dreading the Holiday season because you are dreading the after effects? You know what this is all about. You go hog-wild with impulse Holiday Spending and feel the pain of regret in the upcoming months when the bills come a-calling. Sort of like going to that party where you swore you would have only one more drink which turned into another one and one more on top of that only to be followed by a crushing headache the next morning (afternoon?)

Well you know the quip about actions and results right? You remember, it is something along the lines of “doing the same thing over and over and expecting different results”. With that in mind, how about if we approach Holiday Spending with a whole new attitude right here and right now?

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Relevant Financial Advice!—Where Do You Get That?

Road sign in the dessert

Certainly not from the biggest names in the blogosphere! Sites like Guru Focus, Zack’s and The Motley Fool are excellent sites, but they do not speak to the majority of Americans living paycheck to paycheck. These websites cater to folks that have already achieved a certain level of financial success—and that’s fine! What is not […]

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Friday’s Credit Tip #13 Dispute Errors on Your Credit Report


A lot of folks have some trouble spots on their credit report, but that doesn’t mean they can’t be resolved! The best thing to do when dealing with errors is to be proactive. Contact each of the three major credit bureaus, TransUnion, Equifax, and Experian, and get copies of your credit reports. Carefully read over the […]

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What Mom Never Told You About Private Mortgages


Of course you are most likely well versed in all of the hoopla you see in the media about mortgages and mortgage lending as well as the supposed recovery of the real estate market in many areas of the country. At the same time, you may feel you are getting the proverbial short end of […]

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8 Financial Fixes for the Lately Launched


Maybe you’re fresh out of college and starting a new job or you’ve been struggling since leaving college to land a job and finally, mercifully, you have landed one. Either way, you are embarking on your future, free as the wind and feeling like the world is your oyster. Finally you will be earning your […]

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Friday’s Credit Tip #12 Don’t Think that Having no Loans or Debts Will Improve Your Credit Score


Some people believe that owing no money, having no credit cards, and in fact avoiding the whole world of credit will help improve their credit score. The opposite is true, and lenders want to see that you can handle credit, and the only way they can tell is if you have credit that you handle […]

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A Credit Score Buster You May Have Overlooked

parked car

Chances are you are most likely well versed in what affects your credit score. But just in case and to make sure everyone here is on the same page, let’s review what the phrase credit score is all about. Your credit score is a number that is stamped across the top of your credit report […]

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The Two Faces of Infidelity—Financial and Sexual


Did you catch the Your Financial Relationships series published here over the past several weeks? If not, and you are in a relationship, it is a worthwhile read that is still available in the archives of Your Finances Simplified. Although the series represents a comprehensive overview, it did not specifically address the perils of infidelity. […]

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Friday’s Credit Tip #11 – Don’t Assume that One Thing Will Boost Your Credit Score a Specific Number of Points


Some people are lead to believe that paying off a credit card bill will boost their credit score by 50 points while closing an unused credit account will result in 20 more points. Credit scores are certainly not this clear-cut or simple. How much any one action will affect your credit score is impossible to […]

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A Gift from the IRS for Your Retirement


Just when you think you’ve seen everything, along comes something that snaps you out of that daydream you were enjoying and compels you to check in and make sure that it’s for real. Believe it or not, this is real and it’s available to you right now, like today.

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