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Retirement Income Needs---Less Than You Think? It is widely written that you need 75% of your presentincome to maintain your present life-style in retirement. Ifyou make 100 thousand now, figure 75 thousand inretirement. A Fresh Start for Family Finances in 2005 While 40% to 50% of us make New Year's resolutions on January 1-a ritual that has existed since ancient times-approximately 60% to 80% of us have already broken them by the end of February, according to researchers. University: A Course in Personal Finance Recent findings from the Educational Policy Institute indicated that the UK is the third most expensive place in the world to go to university. Combine this with figures from the Prudential, showing that a third of university students have considered abandoning their studies due to the financial strain they have encountered, and it is not surprising that many prospective students are finding the need to seriously think through the merits of going to University. Budgeting the Key to being Financially Stable Single Mother's in need of Financial Guidance Expenses A ? What Are They And What Can We Do About Them It is crucial as an individual who is striving for financial freedom to be able to recognize the different type of expenses in our lives. It is a proven theory that it is easier to cut your expense than trying to earn more income.In order to maximize profits, a manager will try to minimize expenses before trying to gain more revenue.And we can learn from that. By recognizing our expenses and ways to handle them, we will be able to create more revenue in our lives.This article will help you to do that. Grocery Savings - Your Kitchen is a Goldmine! Your food budget is the most flexible area of your household budget. Grocery savings will free up a significant amount of money if you need to balance the budget, or fund your savings accounts. Single Mother and Learning how to Save Saving may seem easier if you were saving for a new car, or a vacation however when it comes to saving in general it may prove to be more challenging because you may not necessarily feel you are receiving a reward from it. However saving pays off, especially as a single mother. All you need to do is simply spend less than you make each month. Vesting and Your 401(k) Do you have a 401(k) retirement account? Are you vested yet? Before you move on to your next job, it is critical for you to find out if you are fully vested in your retirement account before you make the move. If you are not, you could lose hundreds if not thousands of dollars in employer contributions. Tips To Save Money At The Supermarket Are you interested in saving money off your grocery bills? If so, then a few "Smart Shopper" tips are all you need to start saving hundreds off your grocery bills! Personal Finance - Have Consumers Had a Belly Full of Personal Debt? For months, we were trigger-swipe happy, putting our groceries, clothes, holidays and service charges on our credit cards. We wanted mortgages, we took out loans, we watched Property Ladder and What Not To Wear. Whether you were born middle class, had middle class aspirations, you became middle class through your spending. Debt united people around the UK, we sympathised with each other on what we couldn't afford ? but it didn't matter, we still bought it. Soon everybody had a bottle of Jacob's Creek in their kitchen and olives and humous in the fridge. Reduce College Debt with Scholarships Six Scholarship judges were sitting around an ovaltable. Forms were piled into 50 boxes. Each onehad the name of a state. I looked at the boxes andwondered why some of them were overflowing andothers had just a few. This was the first round ofjudging. By the time the contest was over almost16,000 applications would be examined. Some of thecomments were really critical, "Why did thisperson bother to send in an application? It's sosloppy." "This person put the wrong address onthe envelope, even though the correct one is atthe top of the application." One had a cassettetape inside. We played it and it was a countrysong. The applicant was a good musician. 10 Steps to Take if You Are a Victim of Identity Theft There have been an estimated 9.9 million victims on America and over 40% of all consumer complaints in the U.S. involve identity theft. About half of the victims do not know how the thief obtained their personal information. The Boston Globe and Newsweek have both covered Identity theft this month telling us how important it is for us to educate ourselves on preventing and protecting ourselves from this type of robbery. Identity theft can happen anytime, anywhere and to anyone, individuals or businesses. Everyone must be educated and aware so it can be avoided. Michael Blanchard, US Postal Inspector says postal money orders and business or certified checks are one way you can be at risk. Most identity theft involves the U.S. Mail which is why the U.S. Postal Inspection Service is a lead agency in investigating Identity Theft. Identity Theft is a criminal offense. Healthy Eating On A Budget It is possible to eat a healthy, balanced diet without breaking the bank! Here are some suggestions: Top 10+ Ways to Jumpstart your New Year?s Finances! Of course, these don't have to be done in any particular order! Just pick one or two that particularly apply to your situation. Save On Food - Ten Tips To save on food, be an opportunist. Buy what you like, but buy on sale. Do you need oranges every day? Buy them when they're cheap, then buy grapefruit or orange juice when it's on sale. Opportunism is the key to low-cost living in general. You get everything you like, and lots of variety, because everything goes on sale once in a while. Here are ten more ways to get cheap food. 10 Tips To Save Money When Dining Out Here are some tips that can help you save money when dining out. Keep in mind that these tips are intended to help you save money when dining out at a restaurant type setting. In other words, these tips will not be related to fast food establishments for their food is already priced reasonably. Introduction to Australian Superannuation Australians, in general, constitute some of the worst savers inthe world. Current estimates suggest that, on average, Australianssave just 4% of their income. This is less than half of the 11%estimate for Australians in the late 1970s. Stretching Your Grocery Dollars Shopping for groceries is an inevitable fact of our ever busy lives. We may imagine that we are saving time by dashing in, roaming the aisles and throwing whatever looks good into the cart. Most often, what we end up with is repetitive, nutritionally unbalanced meals and ballooning grocery bills. Or worse, frequent fast-food stops and pizza calls. Brighten your meals and save time and money by planning ahead ? an added bonus you may even save a few calories. 10 Steps To Improve Your Financial Situation Here are ten steps you can follow to help improve your personal financial situation and inevitably save more money: The Origins of Check Writing People haven't always written checks to buy goods and services. But you know that right? So how did people transfer money from one place to another in times of old? |
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