Budget Snob

Conflict Mediation is the Answer

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It seems that legal disputes are a dime a dozen these days.  There are the typical slip and fall accidents at your local shopping mall, or a celebrity getting into an ill-advised brawl at a nightclub, or perhaps you crashing into another car that was parked at a stop light.  At least one person, if not both people, is at fault for causing the accident, but unfortunately the resolution is never as easy as placing the blame.

Consider that you are driving behind a vehicle that suddenly slams on their breaks to stop at a red light.  This sudden stop then causes you to abruptly run into the back of their car. … Read the rest

Using Cash to Stop Overspending and Stay on Your Budget

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One of the most forgotten ways to stay on budget is also the easiest; using cash for all of your purchases. It seems simple really and even a little outdated but the fact is that many people have lost sight of the actual worth of their money. With credit and debit cards so easy to get and to use the temptation to overspend can be very high, especially when a lot of credit cards give ‘cash back’ rewards for using them.

The fact is, physically handling money and having to give it to someone for your purchase is much different than swiping a credit or debit card.… Read the rest

Your Home Insurance and Water Damage from Mother Nature

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Homeowners face many problems. While most of them have insurance, insurance may or may not deal with some of these situations. It is important to know what exactly is covered by your home insurance and what is not. This can lead to misconceptions down the road when the unthinkable occurs. Additionally, it can help ensure you have obtained any additional insurance coverage you might need. Don’t wait until your home sustains water damage to determine your policy’s specific coverage. Find cheap contents insurance online.
One scenario that can lead to water damage in your home would be caused by sub-zero temperatures.… Read the rest

Personal Finance Advice That Takes Only Minutes To Read, But Will Help For Years To Come

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Do you desire to make life-long financial changes for the better? This is something you can do, but you must invest some research time. There is thankfully a ton of advice to been had here in this article.

Paying off any credit cards that have high interest rates should be your priority as you seek to pay down your debt. While you may personally prefer to pay all your debts at the same rate, zeroing in on those with high interest rates benefits you in the end. This is very important, since credit rates are expected to rise soon.

From every check, take out savings first.… Read the rest

5 Steps to Creating a More Efficient Budget

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Many people cringe when they hear that they need to make a ‘budget’. The fact is, a budget simply gives you control and, in time, may surprise you by how much you will be able to save.  It’s also imperative if you want to stay debt free, (or close to it) pay off your existing debts and grow a nice savings account. Read below to see 5 Tips for Budgeting that will help you become a budget master.

Tip 1) Write down your specific, exact earning as thoroughly as you can, even so far as side money, hobby income and overtime. … Read the rest