{"id":4604,"date":"2012-10-29T12:45:36","date_gmt":"2012-10-29T18:45:36","guid":{"rendered":"http:\/\/www.coolchecks.net\/blog\/?p=4604"},"modified":"2012-10-29T14:47:42","modified_gmt":"2012-10-29T20:47:42","slug":"personal-finance-tips-2","status":"publish","type":"post","link":"https:\/\/www.coolchecks.net\/blog\/finance\/personal-finance\/personal-finance-tips-2.html","title":{"rendered":"30 Personal Finance Tips To Use Now"},"content":{"rendered":"<figure id=\"attachment_4608\" aria-describedby=\"caption-attachment-4608\" style=\"width: 300px\" class=\"wp-caption alignright\"><a href=\"http:\/\/www.coolchecks.net\/blog\/wp-content\/uploads\/2010\/04\/personal-finance-tips.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-4608\" title=\"personal-finance-tips\" src=\"http:\/\/www.coolchecks.net\/blog\/wp-content\/uploads\/2010\/04\/personal-finance-tips-300x226.jpg\" alt=\"\" width=\"300\" height=\"226\" \/><\/a><figcaption id=\"caption-attachment-4608\" class=\"wp-caption-text\">Protect Yourself In This Fragile Economy<\/figcaption><\/figure>\n<p><a href=\"http:\/\/www.coolchecks.net\/\">Personal finance tips<\/a> can come in handy when you are trying to improve your financial situation.\u00a0 Economic struggles in the past several years have really turned some people&#8217;s lives upside down.<\/p>\n<p>In September, 2012, there were 12.1 million unemployed people. That&#8217;s a lot of people struggling to make ends meet any way they can.<\/p>\n<p>To help you through this tough economic time, make sure that you help yourself by doing some of these practical things.<\/p>\n<h2>Protect yourself<\/h2>\n<ul>\n<li>1. Get a credit report every year so that you can make sure your credit is in good standing.<\/li>\n<li>2. Scan everything in your wallet. In case of theft, you&#8217;ll have all your account numbers and contact information available.<\/li>\n<li>3. Stop overdraft fees by going online and hooking up your checking account with a savings account.<\/li>\n<li>4. Sign up for an alert that warns you when your  account reaches whatever amount you choose.<\/li>\n<li>5. Keep well organized financial documents for tax purposes<\/li>\n<li>6. Diversify your sources of income.<\/li>\n<\/ul>\n<h2>Setting Goals<\/h2>\n<ul>\n<li>7. Decide what you want to do with your money.<\/li>\n<li>8. Cover the necessities first<\/li>\n<li>9. Use free websites for tracking goal setting<\/li>\n<li>10. Choose some new starting points to hope for the best but plan for the  worst.<\/li>\n<\/ul>\n<h2>Savings Strategies<\/h2>\n<ul>\n<li>11. Start saving at an early age.<\/li>\n<li>12. Save money on a weekly basis and leave it alone for a while.<\/li>\n<li>13. Order free information for your vacation planning.<\/li>\n<li>14. For older folks, estimate your retirement benefits online at <a href=\"http:\/\/www.ssa.gov\">www.ssa.gov<\/a> where you can put in your social security number and estimate your retirement benefits.<\/li>\n<\/ul>\n<h2>Debt Management<\/h2>\n<ul>\n<li>15. Use your tax refund to pay off high interest credit card debt.<\/li>\n<li>16. Go to the websites where you have credit card accounts and sign up for an alert to remind you 10 days prior to the due date.<\/li>\n<li>17. Request a reduction in your credit card interest rates.<\/li>\n<li>18. Be grateful that your debt is not as big as the country&#8217;s debt.<\/li>\n<\/ul>\n<h2>Daily Living<\/h2>\n<ul>\n<li>19. Take an oath of financial honesty, with yourself and with others.<\/li>\n<li>20. Use your local library instead of purchasing books.<\/li>\n<li>21. Eat at home. Avoid restaurants to limit calories and cash expenses.<\/li>\n<li>22. Reassess your possessions and see what you can live without.<\/li>\n<li>23. Tell a friend what you are saving for and ask for emotional support.<\/li>\n<li>24. Practice self-monitoring. Track spending using software like quicken or see if your online banking has a budgeting feature and track it for free.<\/li>\n<li>25. Beware of advertising campaigns to entice you to spend more on  house-hold goods. Proctor &amp; Gamble, will increase advertising  expenses\u00a0by 20% in 2010.<\/li>\n<li>26. Shop at cheaper stores. You can get Egyptian cotton sheets at discount  stores.<\/li>\n<li>27. Recognize buying mistakes and vow not to make them again.<\/li>\n<li>28. Give away things you don&#8217;t need to make room for your new life.<\/li>\n<li>29. If you are suffering from depression about your finances, discuss it  with your doctor.<\/li>\n<li>30. Learn to live with less &#8211; do you really need everything you have stashed away?<\/li>\n<\/ul>\n<blockquote><p>Your net worth to the world is usually determined by what remains after your bad habits are subtracted from your good ones.<\/p><\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Personal finance tips can come in handy when you are trying to improve your financial situation.\u00a0 Economic struggles in the past several years have really turned some people&#8217;s lives upside down. In September, 2012, there were 12.1 million unemployed people. That&#8217;s a lot of people struggling to make ends meet any way they can. To [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":6376,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[69],"tags":[459,657],"_links":{"self":[{"href":"https:\/\/www.coolchecks.net\/blog\/wp-json\/wp\/v2\/posts\/4604"}],"collection":[{"href":"https:\/\/www.coolchecks.net\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.coolchecks.net\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.coolchecks.net\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.coolchecks.net\/blog\/wp-json\/wp\/v2\/comments?post=4604"}],"version-history":[{"count":0,"href":"https:\/\/www.coolchecks.net\/blog\/wp-json\/wp\/v2\/posts\/4604\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.coolchecks.net\/blog\/wp-json\/"}],"wp:attachment":[{"href":"https:\/\/www.coolchecks.net\/blog\/wp-json\/wp\/v2\/media?parent=4604"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.coolchecks.net\/blog\/wp-json\/wp\/v2\/categories?post=4604"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.coolchecks.net\/blog\/wp-json\/wp\/v2\/tags?post=4604"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}