Get The Best Out Of Budget Software

24 November, 2014 (21:55) | personal finance investment | By: admin

The use of a budget software program that is complete is no doubt way much better instead of having to use an Excel budget template. A really tricky part in budget management does not happen in costs outlining but actually lies in the day to day management of your lifestyle based with the budget that you have. At this point, budget software program is worthy to be used.

Are you now neck-deep with your debts and is currently thinking of getting the help of budget software to be your financial organizer? In case that you are indeed in this kind of predicament, do not feel like you are the only one experiencing this. There are millions of other persons like you who have debts in banks and companies of credit cards. And to make things worse, there are plenty who lost jobs due to the present global recession that has hit the economy of many countries.

Good thing that there is budget software that can help users in tracking their expenditure side by side by their income. This gives users useful information regarding the services and items that needed to be bought. This will let users know if they are already spending way high above their set budget. This kind of budget software will help users in easy organization of their finances, something which cannot be made possible by the Excel budget template download that many people opt to have these days.

Income and Expenditure Tracking

In order for to budget properly, you must first know the amount of money that is coming in and what specific areas require you to spend some of it. Budget software built with an application from Microsoft Excel will easily render this kind of information without any hindrances.

Planning of Finances

After you have tracked your income and expenditures, you will now be more prepared when you plan your finances. You will now be able to see clearly the amount of money that you can use for your expenses. This is one good way of ensuring that you will not go beyond your set budget and that no further debts will be incurred.

Avoid Increase in Debts

Debts can cripple and even the small ones can be like ropes around your neck until you have paid it all off. Majority of the debts that people incurred these days are far from what they can afford, which resulted to more financial burdens. With budget creation and sticking to the constraints that it has, debts will be avoided from increasing in amount.

Detailed Budgeting Made Possible

By allotting some of your time for financial organization, you can surely plan properly for payments as well as emergencies that typically happen in a single year which you must not fail to consider. Birthdays, holidays, renewals of insurance and a lot more occasions can take place and must not be overlooked. Being able to detail your budget for any upcoming expenditures will give you a good position in order to avoid debt incurring. Excel budget template is something that cannot offer this.

No one would like their finances to go out of hand, the main reason why it is a must to determine how much money you still have and how much you will be willing to spend. Knowledge of such things will avoid the piling up of debts and will also allow you to save money for future expenditures. Being a good financial organizer, one must not fail to make use of the Excel budget template offered by budget software.

About the Author

Want a quick solution on becoming the best financial organizer with the help of Excel budget template? Just click on this link to get the answers or visit Budget Template.

Money Worries and Journaling

23 November, 2014 (21:46) | personal finance investment | By: admin

While many may think of journaling as a harmless, completely reflective process, the truth is that keeping a journal can actually be a revolutionary act.

Journal writing helps us reclaim ourselves and use our power to create a better life than we have previously known. Journaling shows us how to be responsible for ourselves and our behavior. Keeping a personal journal helps us change the way we’ve always lived and begin to create the future we want.
The act of writing a journal brings the psyche face to face with itself, where it’s not possible to lie or pretend. Through writing down observations and thoughts, we begin to understand the origins of fear and stress. When those origins come to light, the individual gains the ability to creatively grow and change.

Take, for instance, a common phobia: fear of not having enough money. So many of us are jobless or otherwise compromised in our capacity to earn a living. The Great Recession started three years ago, but millions are still struggling with the depressed economy. Fears and woes over money are pervasive, and we all know such stress can lead to poor physical health and a host of other issues.

If you want to control your relationship with money, instead of letting it control you, a revolutionary approach that’s sure to offer solutions is to take up journaling.

Take the example of Anne, an elderly woman who was worried sick about her finances. Setting the routine of journaling one page each day, Anne was quickly surprised to see how freeing the journaling was for her, and how costly all the worrying had been. She re-discovered her sense of humor, and as her journaling continued her self-confidence returned. Simply by drastically reducing the amount of worry she expended over her finances, Anne returned to a calm and creative outlook that opened her to ways she could budget more satisfactorily.

If you possess a notebook and a pen, you can journal. Journaling is the cheapest therapy on earth. You may have lost everything, but if you can still sit down and have a heart-to-heart with your journal, riches are at your fingertips.

We may not be able to change interest rates or inflation, but we can learn to be responsible for our own financial situation and take control of the fears that plague us.

Money worries originate in real situations:
• If you suddenly lost a job or other financial support, and the shock still has you reeling, the first thing you have to do is get all your emotions out. Your journal is the ideal place to do that.
• Many of our problems with money go back to the way we were raised and the baggage we have carried around with us since childhood. In your journal, take a look at your past for clues.
• Money fears may center on a vague idea of your future, full of fear and dreaded circumstances. Use your journal to examine these imaginings and to describe in detail more pleasing possibilities.

Use your journal to sort out the realities, so your path going forward can become clear.

About the Author

By Mari L. McCarthy – The Journaling Therapy Specialist, founder of Journaling for the Health of It™. Please visit Mari’s blog at Her latest publication is titled, Who Are You? How to Use Journaling Therapy to Know and Grow Your Life. See for details.

Many Britons ‘spending like the recession never happened’

23 November, 2014 (03:56) | personal finance investment | By: admin

Many consumers are still spending as if it’s 2007, an expert has said.

Many consumers in the UK are continuing to live in a buy-now-pay-later culture through personal finance options such as credit cards, despite the effects of the global economic downturn.

That is according to Kim Stephenson, founder of online resource Taming the Pound and financial psychologist, who believes there are some people who have seemingly ignored the fact that the recession even happened as they have failed to adjust their outgoings.

Mr Stephenson explained that a lot of Britons are continuing to spend as if it is still 2007, a trend he suggested is concerning for their long-term financial prospects.

“People are assuming that you can keep borrowing because your house will go up in value and your income will keep rising, so you’ll just pay off all the debts in the future when you sell the house,” he noted.

These comments came after the publication of the latest quarterly Saving Britain study by BM Savings last week (May 14th), which established that 33 per cent of those between the ages of 18 and 24 would raid savings accounts such as ISAs to fund holidays, while 35 per cent would do so to cover overspending on their current account.

The expert went on to warn that this is an unsustainable way of living as “sooner or later the squeeze will shut off their credit, by which stage they will be deep in a hole”.

However, Mr Stephenson’s views on spending appear to go against the findings of research by the Post Office recently, which revealed that 81 per cent of all adults in the UK are planning to save some money in 2011.

Meanwhile, it was also established that 46 per cent of Britons try to store money away for the future when they have spare cash, even though they are still under financial constraints due to the slump.

Britons should keep a note of every time they spend cash either from their current account or credit card in order to budget more effectively in the future, an expert has suggested.

According to Ed Bowsher, head of consumer finance at online resource Love Money, keeping a detailed record of all outgoings is the best way for individuals to find out where they are going wrong with their personal finances.

Mr Bowsher explained that “careful budgeting” is crucial to help funds stretch until a person’s next pay packet, which may include storing cash in savings accounts.

“Keep a record of everything you spend for at least a week, right down to a Mars bar or an apple. Hopefully, you’ll then spot some opportunities for spending cuts,” he advised.

Recent research by the Finance & Leasing Association revealed that consumers are remaining cautious about taking on credit, with new business in this sector dropping seven per cent in the year starting in March 2010.

About the Author

UK Price Comparison website Which4U – Compare Credit Cards, ISAs, Bank Accounts, Current Accounts, Savings Accounts, Mortgages, Insurance, TV & Broadband and Gas/Electric bills to find the best UK deals

Temecula Financial Advisor Discusses Lessons on Wisconsin Labor Union Problem

22 November, 2014 (17:14) | personal finance investment | By: admin

Wisconsin’s bid to take down labor unions leaves many pensioned employees in a state of limbo- and the effects could be widespread. Plans by Wisconsin Gov. Scott Walker (R) and the legislature to eliminate collective bargaining (the means used by public unions to secure pay and benefits) for most public employees could spill into other Midwest states as a wave of small-government conservatives elected in 2010 take on their Democratic rivals. The streets of Madison, WI have begun to mirror Cairo as more than 25,000 union Wisconsin protesters amassed last Friday morning in and around the Capitol to protest the governor’s plans. Earlier in the week, there had been as many as 40,000 protestors. Schools were shut down, and one rally lasted a staggering seventeen hours.

At the heart of the controversy is the employment of thousands of workers and their ability to represent themselves as a union, one they have had now for over 50 years. Losing this right could affect not only their pay, but flow additionally into benefits such as healthcare and retirement plans. Once thought to be the essence of security in America’s Heartland, current union laborers may find themselves in a position where they are forced to pay more for these coveted benefits.

This political cyclone firmly establishes the fact that in today’s economy, no one is immune to change and the “American Dream” can be threatened even for those in what were once thought to be the securest of jobs. What has become understandable is that despite of your personal beliefs or political association, the concept of “security” has forever been altered. Undoubtedly, our borders are nowhere near as secure as we’d like to assume, 9/11/2001 brought to light with crushing force the realization that we can not take for granted our individual security, the banking collapse made us crucially aware that we are not financially secure, and now the danger to collective bargaining is yet another setback to this false sense of confidence.

So where do we go from here?

As a Temecula financial advisor for over 2 decades, I would suggest that on some, if not many levels, personal responsibility must supplant our dependence upon employers for refuge. This starts with financial responsibility and active asset management. While we may not be able to fend off the outside forces of international violence or domestic threats, we can take actions to secure our personal financial “borders”. This means adequate retirement planning, intelligent budgeting, and wise financial decisions. The adage has always been that “an ounce of prevention is worth a pound of cure” and the time is now to take upon yourself responsibility and get ready for the future.

About the Author

Learn more about active portfolio management and its benefits by contacting John Dubots, Temecula financial advisor, with Dubots Capital Management. Dubots has over two decades in the industry and will provide a free consultation to answer all of your portfolio management questions.

Cash Worries Solved With Online Payday Loans

22 November, 2014 (05:22) | personal finance investment | By: admin

Financial crisis will occur when there is a shortage of cash. At that time every individual will face lots of problems. At that time an individual will ask for the help of his family members or else his friends. But some times even your friends and family members won’t have extra money to help you. Then at that stage you will search in for an aid. At this critical stage you need not worry instead just apply for a payday loans.

This cash advance or payday loans are called as life safer aid. This is a very popular aid. Most of the borrower who get trap in financial crisis will apply for this type of aid. In this type of loans the lender will offer you a limited amount of loan so that you won’t face problems in paying of your loans. To avail this type of loans there is no need of keeping your property as collateral for the loan you have taken from the lender.

In this case you will get the loan according to your capacity of paying the loan in time. This type of loan is less time consuming, since we need to submit fewer documents. The main aim of this loan is to save your time.

The person who is electing to purchase this type of loan should have the citizenship of UK and he should be of 18 years or more. The borrower should have a bank account under his name and should have regular helps in taking loan from the bank in short period of time

So, this payload loan will make the borrower to take loan at a faster rate. This way helps the borrower who does not want to use the traditional loan. Conventional way of getting loans could consumes more time and this why most of the people consider the online payday loans

Though payday loans are easy to apply, but you should make an attempt to get the best source and surely the best deal. The comparing method always works wonders. All you need to do is check for the most reputed lenders online, browse through the features and compare as to who is offering what and how well. Surely you would get clarity in your decision. Nothing comes effortlessly; a bit of effort is a must.

If you are new to this and haven’t applied for cash advance ever, then you could rely on Considering how hard it has become to rule out the online scam altogether, the above mentioned website could be a safe bid for you. This is just one of the best options available. You could always look up at other options, based on what you like and how well it is satisfying you; the final call could be made accordingly.

About the Author

More information is available on They offer information on how to obtain, as well as payday loans for first time buyers. If you’re interested in finding cash advance, visit one of the links above.

Beginner’s Guide To Preventing Card Fraud

22 November, 2014 (00:09) | personal finance investment | By: admin

According to one poll done, one in five Americans have fallen victim to credit card fraud and/or identity theft. This is a major problem, as fraudsters have found new ways to steal your money, often without you even knowing what has been happening for a few months, or even years. This form of criminal activity is preventable, if you are aware of what is needed to gain access to your identity or your accounts. Taking preventative measures to stop this situation happening in your life will mean not having to deal with the repercussions. These can include a lowered credit rating, which is damaged for life, massive repayments, cancelation of accounts etc.

What Details Fraudsters Need

Firstly, knowing what fraudsters need to be able to steal your money, or opening up new credit accounts is important. Things such as social security number, driver’s licence number, current address, employment records (Such as payslips.), or other bank account details are what these criminals are after. Using this information, these criminals can open up credit accounts in your name, or use your current card online. While you may think this information is hard to get, it’s a lot easier than you’d think for a professional who has done this many times before.

How Fraudsters Get Your Information

In order to get your information, it is usually very simple. Looking through your mail, or stealing your mail is one easy way to find out any personal details needed. Despite the internet and email being a new way and secure way to send information, many of us still receive our bills and other mail through the post.

Suspicious Signs

There are some suspicious signs to look for in regards to this. If you have had a few ‘lost’ bills or important notices for a couple of months in a row, then it is a possibility that the mail is being stolen, not lost. It is highly irregular that too much mail will go missing. To prevent this, put a lock on your mailbox, or change the lock if you are currently using one, and contact your bank or financial institute about this and your concerns. They will be able to look through the history of the card, to see if there have been any odd purchases made. Do you know about the Diners card and 28 Degrees Low Interest MasterCard

Other Ways Your Personal Information Can Be Stolen

Another way is through stealing directly from your house. If you throw a big party, your roommate invites a friend over, or if you have someone you don’t know in the house, they could find your information and copy it down, or steal it. Don’t leave your personal details lying around your home. Keep them somewhere safe and secure, in a place where only you know where they are, under lock and key if that makes you feel safer.

Credit card fraud and identity theft is real, and it is preventable. Being vigilant and looking out for the any suspicious signs and/or taking the above measures should help you to avoid much (Hopefully none.) damage done to your credit history and your life. If you have any concerns or questions, then speak to your credit provider.

About the Author

Credit cards are serious business. Make sure to get the best deals. Visit Diners and 28 Degrees Low Interest MasterCard on

Everyone Should Use Restaurant Coupons

21 November, 2014 (08:24) | personal finance investment | By: admin

With the increasing number of restaurants across the world, a lot has to be done by the owners in order to retain and even bring in more customers. This is a business that is flourishing but can easily be a let down if one does not market it accordingly.

One of the best ways to market the restaurant is by use of restaurant coupons which are basically printed papers that are given out to customers or potential customers to allow them have a meal for free or at a discounted price. These are mainly used for promotional purpose by the restaurants in an attempt to get themselves traffic of customers.

It is important to note that these coupons are very essential to people who like and enjoy dining out as they help them save a lot when it comes to buying food. Saving is evident especially when the coupon offers you free food at the purchase of some meal or when it allows you a discount on a certain type of food that would have cost you more. This therefore makes it cheap for people especially those families that are fond of dining out.

A number of restaurants offer their customers free food coupons to appreciate them and retain the trust. This is usually done when the restaurant is trying out on a new meal that it wants the customers to be acquainted with or when it desires to increase its customer base. Additionally, there are coupons that allow for a discount on certain foods purchased on certain days of the month. This also is a way to make the food which in most cases is new to the restaurant sold out fast. With this type of coupon, a certain percentage is deducted from the actual food price thus is called a discount.

Coupons are therefore seen as the best and perfect gifts that restaurants can offer to their customers on different meals for every occasion. Mostly, the promotional coupons are available during the festivities and holidays when the market for the restaurants is seen to be at its peak and almost all restaurants are striving to make a kill out of it all.

For the customer, restaurant coupons always give them value for their money and are most of the times seen as a way to save on their money when they go out for lunch or dinner especially with family and friends.

About the Author

Want to learn about restaurant coupons?

Get more information here:

Forex Market Hours: Is The Market Always Open?

20 November, 2014 (07:54) | personal finance investment | By: admin

The Forex market hours extend from Monday morning in Sydney, Australia to Friday afternoon in New York. During that time the market is open somewhere around the world at all hours of the day or night.

But it’s not always open, since it does close on weekends. 24/5 would be more accurate.

If you need to know the exact times that the markets open and close, you have to take time zones into account. It’s very simple when expressed in Universal Coordinated Time (UTC), formerly known as Greenwich Mean Time (GMT). This is the standard (winter) time in Greenwich, London which is the point of zero longitude on the globe.

Normally the Forex market is open from 22.00 UTC Sunday to 22.00 Friday UTC. This is 10 pm in England in winter.

New York is 5 hours behind the UK, so the global Forex market opens and closes on Sunday/Friday at 5 pm in New York, 2 pm on the West Coast of the US, 11 pm in Germany, and 8 am Monday/Saturday in Sydney.

Things get a little complicated when you take daylight saving time (DST) into account. This makes a one hour difference in countries that observe it. But DST operates in a different way in the southern hemisphere in countries like Australia where summer is from September to March instead of March to September.

The hours of the various major national markets are as follows:

Sydney: 10 pm to 7 am UTC
Tokyo: 12 midnight to 9 am UTC
London: 8 am to 5 pm UTC
New York: 1 pm to 10 pm UTC

Or we can express that in EST (Eastern U.S. Time):

Sydney: 5 pm to 2 am EST
Tokyo: 7 pm to 4 am EST
London: 3 am to 12 noon EST
New York: 8 am to 5 pm EST

You can see that they correspond to 24 hour coverage.

But this does not necessarily mean that trade will be good at all these times. Straight after a big market opens, prices can be volatile and unpredictable. Many traders will stay out of the Forex market up to an hour four times a day when financial markets are waking up in these big cities.

The U.S. Dollar is the most traded currency by a long way, involved in 2.5 times as many deals as its nearest rival, the euro. This means that events in the U.S. impact the financial markets more significantly than events in other countries. The New York market tends to slow down around 3 pm local time (8 pm UTC) and if you are involved in a US dollar pair, you may want to stop trading for the day.

So in theory, you can trade 24 hours a day from Sunday to Friday. Automated software in the form of a Forex robot can do this for you. All the same, a prudent trader will choose times and will not be active during all hours of the Forex market.

About the Author

Christopher Shepherd has been actively trading in the foreign exchange markets for the past 15 years. Recently he has been using his experience to write reviews of automatic forex software systems. This information as well as a series of informative posts about the forex market can be seen at Please also read his blog The Essentials Of Forex Trading.

Tips for Choosing the Right Broker to Help You Trade More Efficient and Modern

20 November, 2014 (05:18) | personal finance investment | By: admin

Choosing the right broker to trade is essential to your marketing success. A good agent who is known for fast and accurate execution of trades with all the tools and features necessary in today’s trading environment is one of the keys to his success in the marketing business.

One of the first things you look for in relation to each other brokers, they specialize in securities or investment vehicles you want to trade. For example, suppose you’re interested in trading Forex, short for foreign exchange markets. Do not choose a broker that is not specialized in forex trading. Find Brokers that most (if not exclusively) offer forex trading capabilities and tools.

With the same philosophy, if you are interested in trading equity options or index options, you will want to find a broker who specializes in options. Each investment product and the market there is a specialty, and there is no single “universal” market trade. So, you want to find a broker that is experienced, professional and respected in its market. Most brokers simply can not be everything to everyone.

Make sure that the transactions are easy to put on.

Since 99% of all trading today is a computer with an Internet connection, you want to make sure that your broker trade execution software is easy to use. If you try to compare the different trading platforms and from one another, consider using the “10 minute rule.” This rule states that a broker’s sign in and surf the Internet software, if you can not understand how the local market within 10 minutes, the software is probably too complicated or too difficult to use effectively.

In addition, the search for agents that have videos and instructions on how to use their trading software and platforms. You’re not going to want to spend some time reading the manual and looking at the screenshots, how to use, and ease of access to learning through online videos.

Some of the software platform is very good, but not very intuitive and user-friendly, so if you’re going about it alone, you spend a lot of time and effort trying to maneuver around and understand all the features. However, if the agent has a good step by step video show you how to use your software step by step, then you have the best of both worlds: a solid understanding of the complexity of the brokers offer, you can improve your trading skills and acumen.

Is easy to read account statements?

What brokerage account statements look like? You want it to be easily read and understand their brokerage account statements that you know all the time, when you’re not. This is particularly important that they are offering online accounts and indicators, which are updated daily.

How long does it take to reach a live person?

There are so many different occasions, have reached a live person for customer support line is priceless. There may be times you thought that I had to trade in a certain way, for example, only later I found out you made a crucial mistake in its execution. In this and many other cases, you need to get a live representative who can assist you immediately have.

Take into account all these different tips and advice in finding the right broker who will allow you to execute profitable trades quickly and efficiently.

You made a great choice considering that the active and passive income marketing the right business move for you, and the resources, facilities and other open, public financial markets are a great way to get there. To Invest in the success of “10 steps to marketing success, you will learn how to position yourself to keep a daily, weekly and monthly reports on your portfolio with minimal risk, whether you’re completely new to marketing or seasoned pro!

About the Author

Visit checksandbalances for information about Checks and Balances .

Forex Exchange Market | How to Develop Your Personal Forex Trading System

19 November, 2014 (00:09) | personal finance investment | By: admin

In contrast to other buying and selling systems for example the stock market, Forex Exchange Market does not involve the purchasing and selling of any products and services, actual or representative. Rather, Overseas currency functions by means of buying, promoting, and trading in between the foreign currencies of many economies from all over the world. Because the Foreign exchange marketplace is truly a global buying and selling system, trades are made 24 hours a day, five days a week. In addition, Foreign exchange is not bound by any one control agency, which indicates that Foreign exchange is the only accurate free marketplace financial buying and selling system accessible these days. By leaving the trade rates out of any 1 group’s hands, it’s a lot much more tough to even seek to manipulate or corner the forex market. With all of the benefits associated with the Foreign exchange program, and also the international vary of participation in the Foreign exchange market is the biggest marketplace in the entire globe. Anywhere between 1 trillion and 1.5 trillion equivalent United States dollars are traded on the Foreign exchange market every and each day.

The Overseas exchange market will be the world’s largest international forex buying and selling market operating non-stop throughout the working week. Most Global forex buying and selling is carried out by professionals such as bankers. Usually Forex commerce is done via a Overseas exchange broker – but there’s nothing to stop anybody trading currencies. Foreign exchange currency trading permits buyers and sellers to purchase the forex they need for their business and sellers who have earned forex to trade what they have for a much more convenient currency. The world’s biggest banks dominate Forex and according to a survey in the Wall Street Journal Europe, the ten most active traders who are engaged in Forex buying and selling account for nearly 73% of buying and selling volume.

Nevertheless, a sizeable proportion from the remainder of Forex Trading is speculative with traders building up an investment which they wish to liquidate at some period to make money. Although a currency might increase or decrease in value relative to a wide vary of overseas currencies, all Forex buying and selling orders are based upon forex pairs. So, even though the Euro might be ‘strong’ against a basket of currencies, merchants will be trading in just 1 forex pair and might simply concern themselves with the Euro/US Dollar ( EUR/USD) ratio. Changes in relative values of currencies might be gradual or triggered by specific events such as are unfolding at the time of writing this – the toxic debt crisis.

A great deal of Traders have turn out to be extremely wealthy trading in the Foreign exchange Market. And, several people who commerce in the Forex Marketplace on a daily basis have discovered a fantastic method to replace their day jobs. Some even became millionaires almost overnight by just buying and selling in this financial Marketplace.

Trading within the FOREX Exchange Trading market can be very attractive. Nevertheless, you ought to also know that there have been individuals who suffered extreme monetary losses in the Foreign exchange Market. It’s true that the Overseas exchange Market provides a very good money-making opportunity to a lot of individuals, but it also has its risks.

It’s a fact that individuals who didn’t have the right knowledge and skills trading within the Forex Market suffered massive financial losses and some even went into debt. So, before you enter the Forex Marketplace, it’s essential that you should have the essential insight and skills as a Forex trader to be able to minimize the risk of losing money and maximize the potential of making money.

About the Author

If you are interested in actually making money by trading Forex, I advise you to read more about Forex Exchange Market. Visit to learn more.