When it comes time to do your taxes, it is always beneficial to take as many tax deductions as you possibly can.  If you can legally make the deduction, it won’t be considered cheating on your taxes.  You just want to be sure that you are paying the least possible amount on your taxes.  Sometimes [...]

A lot of the time, we are given a couple variables and we want to calculate the payments on a loan.  For example, you are trying to finance a $10,000 car at a 12% interest rate for 5 years.  All you want to find out is how much your monthly payment is going to be [...]

If you have a high-deductible health insurance plan, you should be eligible for a tax deductible health savings account.  What this means is that you can set up a savings account (yes, you get paid interest) to deposit money into each year.  Since I am single, I can deposit up to $2,800 per year before [...]

I can’t stress this point enough.  This is really how people end up in debt.  They never intend to end up overwhelmed with debt; it just happens.  It is very easy to get suckered into purchasing something that you cannot afford when the monthly installments seem so manageable. What if you could finance a meal?  [...]

If you are an employee, you are in luck.  There are a ton of laws governing how you are treated that will really work to your advantage.  Look up the laws that govern your area; local laws can be different from place to place.  For example, the federal minimum wage is around $7/hour, the California [...]

Here is a list of a few things to avoid if you are trying to save up some money: Do not get a DUI.  It will end up costing you thousands at the very best.  It will also cost you your license, and even worse, could cost peoples’ lives. Drop Starbucks.  Get a coffee machine [...]

One thing that I see constantly ruin people’s finances is buying a car that is way too expensive for them.  All you really need a car for is to get you from point A to point B in a timely, reliable manner with a side of comfort and safety.  How much time to you actually [...]

If you are having a difficult time qualifying for a standard mortgage, FHA loans are a good option.  There are several advantages that an FHA loan has over regular loans, both to the borrower and the lender.  There are also a few drawbacks, but in this market, just getting a loan can be enough to [...]

It is time to move, and one of the largest factors when determining a place to live is the monthly rent.  Location, house or apartment condition and neighbors play a factor, but when all is said and done, you really want to be saving money on rent.  Afterall, housing is usually your most costly expense [...]

No money down, 0% APR, no payments until next year.  These are all phrases that we hear a whole lot these days.  Consumer financing has become available almost anywhere for nearly anything.  It used to be that you could get financing for your house and car, but now you can even get financing for a [...]