Welcome to Personal Money
Management
Dedicated
to helping you become financially secure through personal
budgeting, providing money saving tips and helping you
pay off debt.
The stresses of everyday living have been compounded in the
light of today's economy. But don't let that discourage you.
It is possible, not matter what the economy indicates,
to become financially secure and debt
free.
It starts with 'Personal Money Management'. Sounds
complicated, but it's not. All it means is
putting yourself in control. Only
YOU can make it happen but it will depend upon
you making the conscious decision to simply DO IT.
It's not easy to go it alone and that's what this site is
about, to give you the help you need to be in control of your
finances, and stay in control. So let's get
started...
Before doing anything, you must take a good look at where
you are financially, that starts with the simple process of
looking at the money you bring in each month and accurately
noting what you spend each month.
FREE tools and Guides to get your started
Believe me, this isn't as hard as it looks. If you are
dedicated, disciplined and have faith, yes faith is
important, you will most definitely dissolve your
financial woes and experience financial security.
Personal Money
Management Resources &
Articles
Have fun with your
Tax Refund in 2009
Fun, but smart way to handle your 2009 tax refund.
(Read
More...)
Top 5 Credit
Misconceptions
There are tons of myths floating around about
what you should and shouldn't do to improve your credit reports
and credit scores. Phelps Creek Financial Coaching has exposed
these urban legends to provide you with the truth about
credit... (read
More...)
Mortgage
Refinance
(Featured article from the editor)
Is Mortgage Refinance right for you?
There are several reasons to consider refinancing your mortgage
...but is it right for you? When rates are low, you can lower
your monthly payment and/or the total amount of interest you
will pay over the life of the loan. You may also want to take
out some equity to finance home improvement projects or pay off
other
debts.
Read
More...
Financing A Car
Loan
(Featured Article from
the Editor)
Considerations before financing your next car loan
If you're considering a car loan or even just refinancing your
current auto loan, you'll benefit from some simple research
before signing on the dotted line.
Start with your credit report. The overall
number assigned to measure your credit worthiness doesn't tell
the whole story about you or your ability and willingness to
repay a loan, but it's used by every lender you approach and
will have a strong influence on whether your loan is approved
and what rate you might receive. Read More...
Debt
Reduction
(Feature
Article from the Editor)
Creative ways for reducing your monthly debt
There are multiple ways to reduce your monthly debt, of course
there are some debt solutions that are less painful than others
and we're going to discuss one such solution. Read More...
Inflation and Interest
Rates
(Feature Article from the
Editor)
The causes of inflation and what it means to you when borrowing
money.
If you're living within a budget and trying to keep costs down
you might want to carefully consider whether or not borrowing
money makes sense, particularly with the economy's inflation
and interest rates being what they are. Read more...
The Deferred
Payment Scam
(Feature
Article from the Editor)
Advertisement rip-offs. WATCH OUT! Read the fine print!
One of the most appealing payment plans around is the deferred
payment plan. This means that if approved you can defer paying
anything on an item for several months, even years. Read More...
What's the
Right Amount of Debt To
Have?
(Feature Article
from the Editor)
Stay out of debt with strategies the banks follow
The right amount of debt for you may not be the right amount
for me, but when looking at your debt you should always
consider a few good debt guidelines. Read More...
Personal
Bankruptcy
(Feature
Article from the Editor)
Things to consider first before filing for Bankruptcy
For anyone experiencing overwhelming debt issues, the first
thing that often comes to mind is filing for personal
bankruptcy. While this may seem like the only choice you have,
it's a drastic step that should be carefully considered.
Read More...
Free
personal budgeting
tips
(Feature Article from
the Editor)
Get to the truth about what your incomes & expenses really
are.
Most people today could use help with creating a personal
budget. Here are a few free personal budgeting tips that may be
able to help you out. Read More..
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