5 Debt Management Tips You Should Know
November 2, 2009 by Omar
Right now everyone is looking for ways to reduce or eliminate debt and save money. It is possible to wipe out your existing debt and learn how to live your life within your means.
Here are five debt management tips that will help you on your way to debt free living…
1. Stop using credit cards.
One of the main factors in accumulating so much debt is people buying things on credit they cannot afford. The next thing they know, they find themselves unable to pay anything more than the minimum payments.
You Need a Budget Pro Personal Finance Software Program Review
September 17, 2009 by Omar
In my article How To Budget a Household In 7 Steps, I talked about the importance of having a budget in place. Well, the software that I use to help you do that is the You Need a Budget Pro personal finance software program or, YNAB as it is commonly known.
I have been a long time user of YNAB. In fact, I started using the program when it was still an Excel spreadsheet with some cool, but complicated macros (mini programs for the less technically inclined 
).
It has certainly come a long way since then. In fact, I can tell you that they are currently working on version 3 of the software.
The Good
How to Budget a Household in 7 Steps
September 15, 2009 by Omar
Having a budget in place is one of the best ways to know what your current financial situation looks like. It allows you to understand where your money is going, and it helps you to plan for future expenses.
A budget can also be used as a plan to help you stay within your income, get out of debt, and put money aside for larger purchases.
Many people try to avoid budgeting for various reasons. However, budgeting doesn’t have to be complicated or difficult.
Here is how to budget a household step-by-step…
How to Survive Economic Meltdown Blues With These Five Tips
August 28, 2009 by Omar
Last time we looked at how to survive economic meltdown blues by turning off the news, evaluating your budget, setting up an emergency fund, and getting rid of debt.
Today let’s talk a bit about setting up a budget and reducing debt.
Here are 5 tips you can start right away…
How to Survive Economic Meltdown Blues
August 27, 2009 by Omar
It seems that all the talk about how bad the economy is will still be around for a while. Just when we thought things were turning around, there is another story about how bad things really are. However, you really don’t have let all the talk about the financial meltdown give you the economic meltdown blues.
Don’t panic! And don’t let the fear of the unexpected take control of your mind and your emotions. When we live in fear, we move into a reactive mode. We are longer thinking rationally which can lead to bad decisions and poor judgment. Living in fear actually makes things worse – or at least seem worse – than they really are.
Here are some tips and strategies to help you survive the economic meltdown…
Turn off the news
