Your Personal Financial Management Solutions

One of the largest problems people have with money is knowing what to do with it. Though you may think that not having enough to pay the bills is something that happens when you simply don't make enough money, you should know that this is usually only half of the fable. There are plenty of folks out there that make more than enough, but they spend their money in all the wrong places. Their financial management skills are no good, or none existent. This again and again comes from parents who had the same problems. We learn by example.

Impulse control, or rather a lack there of, is normally one of the largest reasons why people have problems with personal financial management. There are many reasons for this, but most folks have problems because we live in a world that caters towards immediate satisfaction. That is something that our grandparents and great grandparents would find to be an alien concept. If they wanted something they couldn’t afford, the saved. Most don’t go with that concept any longer.

When you sit down and think about how much you make, and then comprehensive up your monthly bills, you can see if you sorely should be having a problem with your financial management or not. Most find that they look at the totals and have no idea why it is that they can not seem to get caught up and current with their utilities, rent, or mortgage. Even with the rising prices of gas and food, things should never be as bad as they're for some families. What is needed is a good plan for financial management, even if it means hiring someone to help.

When you want to see what is going wrong on your own, you can really think about what you spend your money on each day. Are you spending three bucks each morning for coffee? That’s almost 90 dollars a month. You could save most of that by making your coffee at home each morning and taking it with you. There are tons of small expenses like that which can make a huge difference. There are also other impulse buys and high credit card bills that can hurt with financial management. You should think hard, as you can’t fix anything that you don’t know is going wrong simply yet. The more you know about your habits, the easier it can be for you to fix them.

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It is Valuable to Know the Timeline for Foreclosure

If you are interested in finding out what it will take to cease foreclosure proceedings you will have to gain the knowledge that will be needed in order to do so. In all honesty, the timeline for foreclosure is different from state to state, but there are similarities. If you are a homeowner it would be in your best interest to comletely understand and know the wholeforeclosure process, not just the timeline for foreclosure. Many borrowers lack knowledge or are completly uninformed, or even misinformed. This sad lack of understanding can end up being devastating.

As you have no doubt learned, any undertaking without the necessary knowledge will likely wind up being a bad deal. Many borrowers do not comprehend or want to admit that there are predators out there disguised as mortgage brokers, real estate investors and attorneys that will steal you blind. Your misfortune, likely caused by lack of understanding can bring them huge monetary gain.

The timeline for foreclosure will usually follow this agenda. The foreclosure timeline (begins~is initiated~starts} when you are just one day late in sending your mortgage payment. Yes, one day late. Most of the time, at this point no additional fees have been added yet. If you do not entire payment within 16-30 days a penalty or a late charge will be tacked on to the total amount due. About this time you will likely hear from the mortgage lender. They will ask you why you haven’t sent your mortgage payment. If your housepayment goes more that 30 days past due, you will be defined as in default of your mortgage loan agreement.

Being in default in the simplest terms, at this point, means you are behind on your mortgage payments. If you have not made a loan payment after thirty days, the lender may decide to exercise their rights and take possession of your home. Whatever you do, do not freak out. Remain calm and stay in contact with your mortgage lender during this foreclosure process. These days the bulk of lenders really do not want to take possession of the home. They will most likely be willing to assist you if they can. Do not be afraid to ask about any plans they have available to you.

The rest of the timeline for foreclosure is as follows: The lender will usually file a Notice of Default when the borrower is more than of 30 days late with a payment. Somewhere the 45th and 60th day, the mortgage lender will send a “breach” letter to the borrower. This official letter states the terms and conditions of the mortgage agreement. This formal letter will inform the homeowner that they are giving just 30 days to bring the mortgage payment to a current status. Expect to hear very often from the collection department of the mortgage company. Stay calm and cooperative. They will most likely make a number options or options for the homeowner to quickly fix the predicament they are now in. Many might offer a loan modification or a short term payment plan to bring the past due payments to a current status.

Between the 60th and 90th days or non-payment, an official notice of default will be sent to the borrower. At this point during the timeline for foreclosure, collection costs will be tacked onto the late fees. The now defaulted loan will be referred to the mortgage lender’s own legal department. Their legal department will prepare and send the required documents to a local attorney. This will begin the actual foreclosure proceedings.

The last portion of the timeline for foreclosure occurs anywhere between day 150 and day 415. The borrowers property will be scheduled for liquidation at a foreclosure sale or a foreclosure auction after the Notice of Trustee Sale is filed. There are certain benchmarks and points that must be followed and adhered to during a foreclosure process. Remember that a foreclosure proceeding is a legal event. The impending foreclosure should be advertised in the local newspapers, once the case is handed over to local attorneys.

The homeowner still has the right to halt the process leading up to the foreclosure of the property. Most states have laws regarding that. During the pre-foreclosure period, the homeowner may be able to purchase the property back from the lender if they have secured the financial means. Sadly the majority of homeowners will be forced from their house by the local sheriffs department. This situation could be avoided if the homeowner pocesses the knowledge of what is available to them when they are facing foreclosure.

Personal financial planning should be a requirement in high school curriculums

Just a few decades ago, personal financial planning was something only geeks and wealthy folks did. Today, everyone knows it's a required skill we should all acquire. Most of the major television networks now have some kind of regular programming devoted to the subject of our money and individual financial planning. These segments are educational, but a great many baby boomers are greatly lacking in an effective personal financial program that will cover them in aged age. So now they're playing catch-up, trying to mend those years of neglect. This being the case, it makes sense that our kids should be exposed to the nitty-gritty of personal financial planning while they're still in high school, so they don't go down that same road.

When you're young, retirement is the last thing on your mind. Reaching that stage of life may as well be generations away in young people's mind. Yet, that day will come. If financial planning were a required course in high school, at fewest the concepts will make more sense. Doubtless, the modalities will change in their lifetime, but imparting a basic understanding of the current Roth-IRAS, 401K plans and mutual fund portfolios will convey the concept and benefits of these investment models.

Such a course might present case studies which show the results of various avenues of personal financial planning begun at various points in life. For example, three case studies based on persons making alike incomes, but implemented at the age of 30, 40 and 50 could be eye-opening lessons. Other case studies might examine the results of weighting the percentages of income invested in a balance of investment automobiles.

Other subjects might include the Dow Theory and historical trends of the stock market, what day trading is and how successful such investors fare statistically. The idea wouldn't be to make the students experts in personal financial planning, but to make them aware that making such a plan will impact their resources in a momentous way. Who knows that Social Security benefits will even be an option for these young folks, come retirement.

In addition to these more complex areas of study, students could learn more about the everyday issues they'll before long face in the real world. For example, these kids will eventually buy their own vehicle. There are lots of ways to approach purchasing a car. A lesson could show the financial outcomes of saving and paying cash versus financing and paying interest. How about financing a college education? Some recent college grads will be paying off those loans for many years. This information should not serve to discourage the college bound student, but to encourage the examination of options. Grants, scholarships and two-year stints at junior colleges can make a huge difference in their financial situation after graduation.

Perhaps some clever educator should suggest a pilot program on personal financial planning in their school. This success might spread!

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Balance a Check book Giving You A Headache? Learn how in 7 simple steps!

It's become an issue of federal attention that the majority of today's high school graduates don't know how to balance a checkbook. Perhaps we shouldn't wonder why this is so. Practical skills, such as knowing how to balance a checkbook, aren't emphasized in the school room, yet by the absence of such knowledge, kids are falling into poor credit scores and a whole bunch of hassles as a result. Such a modest exercise can wreak havoc with both kids and adults who never learned how to balance a checkbook. Here's the foolproof method on how to balance a checkbook and keep your finances straight.

We'll start with a clean slate. You've opened a checking account with a $100 deposit. You write checks against that amount, make deposits, use the ATM to withdraw funds and also pay bills online with your checking account debit card. At the end of the month, you receive a bank statement. The amount differs from your calculations. Now what? Here are the seven easy steps on how to balance a checkbook.

1.Start with your beginning balance. In this case, you deposited $100 to your checking account.
2.Add in all your deposits. Most recurringly, this consists of your paycheck. However, you may have received monies from other sources, such as cash receipts for babysitting or tax refunds. Keeping accurate records is key.
3.Deduct all of your checks and card purchases, bank and ATM fees. If you used your check card to withdraw funds from your checking account, you must include any ATM fees and bank fees.
4.Determine items which are outstanding. Let's say you paid your phone bill online, but the payment has not yet been deducted. Add these amounts to your bank statement balance. Adding such amounts does not increase your actual bank balance. These additions only allow you to reconcile your records with the bank's figure.
5.This figure should agree with your bank statement.
6.Subtract outstanding items. You know the phone bill payment will hit your bank eventually, surely within a few days. Don't mislead yourself in assuming these payments aren't part of reality. This figure is what you have in the bank.
7.If you find a difference between your ending balance in step 5 and the bank's, track it down. These discrepancies are repeatedly easy to find. Let's say you find a difference of $39.95. That amount may ring a bell. “Oh yes, I forgot to record that buy I made over the netting.” Perhaps you find just a $2.00 difference, in the bank's favor. Did you use an ATM which charged a $2.00 fee for the convenience? Did the bank make a mistake and charge you a $2.00 fee which was not a part of your checking account plan? Straighten these types of differences out right now.

Learning how to balance a checkbook lets you know precisely what your available funds are, keeping your credit report clean and you, headache free.

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Don't know how to balance a checkbook? Learn how in seven easy steps!

It's become an issue of national attention that the majority of today's high school graduates don't know how to balance a checkbook. Perhaps we shouldn't wonder why this is so. Practical skills, such as knowing how to balance a checkbook, are not emphasized in the school room, yet by the absenteeism of such knowledge, kids are falling into poor credit scores and a whole bunch of hassles as a result. Such a humble exercise can wreak havoc with both kids and adults who never learned how to balance a checkbook. Here's the foolproof method on how to balance a checkbook and keep your finances straight.

We'll start with a clean slate. You've opened a checking account with a $100 deposit. You write checks against that amount, make deposits, use the ATM to withdraw funds and also pay bills online with your checking account debit card. At the end of the month, you receive a bank statement. The amount differs from your calculations. Now what? Here are the seven easy steps on how to balance a checkbook.

1.Start with your beginning balance. In this case, you deposited $100 to your checking account.
2.Add in all your deposits. Most recurringly, this consists of your paycheck. However, you may have received monies from other sources, such as cash receipts for babysitting or tax refunds. Keeping accurate records is key.
3.Deduct all of your checks and card purchases, bank and ATM fees. If you used your check card to withdraw funds from your checking account, you must include any ATM fees and bank fees.
4.Determine items which are outstanding. Let's say you paid your phone bill online, but the payment has not yet been deducted. Add these amounts to your bank statement balance. Adding such amounts does not increase your definite bank balance. These additions only allow you to reconcile your records with the bank's figure.
5.This figure should agree with your bank statement.
6.Subtract outstanding items. You know the phone bill payment will hit your bank eventually, surely within a few days. Don't mislead yourself in assuming these payments aren't part of reality. This figure is what you have in the bank.
7.If you find a difference between your ending balance in step 5 and the bank's, track it down. These discrepancies are repeatedly easy to find. Let's say you find a difference of $39.95. That amount may ring a bell. “Oh yes, I forgot to record that purchase I made over the netting.” Perhaps you find simply a $2.00 difference, in the bank's favor. Did you use an ATM which charged a $2.00 fee for the convenience? Did the bank make a blooper and charge you a $2.00 fee which was not a part of your checking account plan? Straighten these types of differences out instantaneously.

Learning how to balance a checkbook lets you know precisely what your available funds are, keeping your credit report clean and you, headache free.

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Financial Management Software Do's and Don't

Personal financial management can be hard for some folks, especially when we get mixed messages about immediate gratification and what we should own. Most of us have to have things that are not really necessities, and depending on how much we make, that can be a huge problem. Some are very good about spending their money where it should be spent, and others need help. If you don’t seem to have the skills to help yourself in this area, you should see if you can find some financial management software to give you a head start on controlling your finances.

In days gone by, people used checks or cash to pay for everything. I know that my mom was able to keep track of her finances purely by keeping her checkbook balanced. She always knew where she stood, and she always knew where her money was going each month. If she lost track, she could go back and look. Today, you can try that, but with credit cards and debit cards being so common, this is harder to do. That is when personal financial management software programs are the way to go. They can go on any computer, and work very well.

You may find that you have some financial management software that comes with your computer, but it might not be what you need. You can turn it on and see what it offers before you decide if you have to go out and get something else. Microsoft has a program that can come on many computers, and that program for financial management may be all that you need to keep up. As long as you use it as you should, you will have more direction and more of an incentive to spend your money sensibly.

If you have no such financial management software on your computer, you can go out and find some. You may be shocked to see what some of them can do for you. They can help you with your monthly or weekly budget, and some can connect with some of your accounts to allow you to pay your bills online and on time. Some will help you pay down debt, and some will remind you when you have something coming up that you must pay. Look around at the various types of financial management software out there before you make your final medley. You won’t use your software if you don’t like it or if you don’t feel comfortable with it.

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Paying Your Bills on The Internet With Ease

The standard system of banking and paying routine bills has changed fabulously since the Internet has come into the picture. While the old-school process of bill paying commonly consisted of receiving electric, gas, water, credit card, student loan and insurance bills through snail mail, now days you have a selection. You no longer have to grapple with monthly envelopes, paper statements and stamps. The World Wide Web has introduced us all to a much more handy method of paying bills electronically. So if you currently don't pay bills online, you should really reconsider. It's not only easier, it's safer as well. 

Most banks offer their clients the option to pay bills online. This should be a free feature when you sign up for a new bank account. Be sure to ask about this specifically, because some banks actually still charge you fees for online banking and bill paying. Regardless, let's examine some of the features that generally go along with paying bills online. You can set up a regular scheduled payment for each monthly bill you have. This keeps things convenient because the sum is then pulled out of your checking account each month on its own. While this works great for mortgage and car payments, it perfectly won't work as well for electric or water bills purely because they fluctuate. However, you can still pay these bills monthly with ease. Many folks choose this modern method of bill paying simply due to the fact that it's easy and doesn't want stamps and trips to the post office.

Go paperless! This is an awesome aspect of online banking and the option to pay bills online. Let's say you require to pay your monthly credit card bill online. Not a problem. You can literally go paperless and receive no statements via snail mail. You instead will receive an email once each month with your statement posted online. All you need is a password for this. When you pay bills online for credit cards, you actually have a little more time to pay it since you're credited the date it's submitted electronically. Furthermore, many people enjoy the aspect of their personal information not floating around in trash cans and dumpsters. Going paperless can help put a stop to identity theft and more.

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Yes You Can Get A Fast Easy Payday Loan Online

Finding an easy to get and fast payday loan online can be done using some lenders, but not all. You need to remember that every payday loan lender will have different company policies, some of which will make it more easy to get a payday loan then other lenders. Some will be fast and some will be slow. The easiest way to find an easy online payday loan and which lenders will lend you some cash til your next paycheck is to request a free quote from lenders by filling out a simple form on a webpage.


Are you wondering just how much cash they will let you borrow? Good question, some of which they have control over and some of which they do not. Each state, and not all allow payday loans, may set a limit. Once the state sets a limit on the amount a payday loan can be, the lender can not exceed that limit. Keep in mind however that just because a state set a limit for a short term loan does not mean a company will lend you that much money until you get paid again. The company may require that you earn so much money for each level or tier of money they will lend to you.

To find out if you qualify for a quick easy payday loan all you need to do is fill out a simple form online.