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| Smart Money Tips is dedicated helping you make smart decisions with your money. The goal of this site is simply to provide some great content through articles that help you save money. We cover topics such as family budgeting, debt reduction, saving and frugality. |
Smart Money Tips - Articles
5 Ways to Avoid Holiday Debt — by Scott Bilker
Between Thanksgiving and Christmas people are going to spend $121.4 billion using their credit cards! The key is not to let this debt stick. Don't allow yourself to get buried by that debt or spend the next year paying off the purchases from this holiday season.
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Frugal Gifts — by Cheryl Johnson
A frugal gift is measured first by it's usefulness. Speaking from my own experience, I would say that my most appreciated gifts are those that I not only find useful, but that I would have had to purchase myself at some point.
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9 New Year's Resolutions — by Steven B. Smith
Have your personal finances been a bit of a challenge this past year? According to In2M Corporation’s financial fitness survey conducted this past fall, you aren’t alone!
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Why It's Important to Follow Budgeting Guideline — by Deborah Seeber
Creditors use budgeting guidelines when reviewing and approving credit. If your debt exceeds the financial communities recommended guidelines, then you have a higher risk of credit applications being denied. Plus, you will pay more interest since you will be perceived as a higher risk.
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Biggest Budgeting Blunders — by Cheryl Johnson
Does your budget never seem to balance the way it should? Are you constantly digging into the savings to make ends meet? If you find that your budget isn't doing the job, then it's time to take a good look at essential components you might be missing or you have not allowed sufficiently for. Some of the biggest budget blunders are...
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Creating A Realistic Budget — by Ramona Creel
Budgeting -- ooh, what a scary word! If you want to frighten someone whose finances are out of control, suggest that they tally up their expenses on a piece of paper. We all understand the value of such an exercise, but when it comes to the practicality of putting a budget together, we get cold feet. Budgeting doesn’t have to be so painful, when you have a systematic series of steps to follow.
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Making A Holiday Budget — by Jeffrey Strain
The Christmas holiday season is supposed to bring cheer and good times to all. For many, however, the cheer and good times end up resulting in a heavy debt burden when the New Year rolls around. It doesn't have to be this way. Taking the time to plan your Christmas holiday activities and spending in advance will keep Christmas from being a budget breaker.
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Start off the new Year on the Right Financial Step — by Judy Lawrence
It’s that time again – reflecting on the past year and feeling determined to make positive changes – especially in the personal finance department. Let’s do it! As Tony Robbins says “The past does not equal the future”. So what if your past New Year’s resolutions fizzled out by February. Let that go. Don’t waste any more energy or time on self-blame, excuses or stories from the past. Move forward.
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