http://www.brighthub.com/money/personal-finance.aspxenhttp://www.brighthub.com/money/personal-finance/articles/66503.aspxWed, 17 Mar 2010 18:31:01 GMTb133e95a-c263-4882-8f2a-b24547eff78e:66503JScheidWhen the pocketbook is tight, buying a gift doesn’t mean you have to buy a cheap gift. There are some unique gifts for under $30 and you can find them on the Internet or at a local gift shop. Think Personality First Before you go shopping for that unique gift, think about the recipient’s personality first. What do they like and what will ...http://www.brighthub.com/money/personal-finance/articles/66502.aspxWed, 17 Mar 2010 18:28:18 GMTb133e95a-c263-4882-8f2a-b24547eff78e:66502JScheidBefore you sign a lease, do you know the typical late fees on apartment rentals? Late fees can vary from apartment complex to apartment complex. Here are some tips on how to understand and negotiate late fees. Understanding Apartment Rental Late Fees When you’re apartment shopping, the last thing on your mind may be fees and late charges, espec...http://www.brighthub.com/money/personal-finance/articles/66501.aspxWed, 17 Mar 2010 18:23:26 GMTb133e95a-c263-4882-8f2a-b24547eff78e:66501LaurenRomanoAnimal shelters can sometimes have dozens of animals to care for. Raising money through fundraising is the perfect opportunity to gain exposure and bring in some much-needed funds. Fundraising ideas for animal shelters should appeal to animal lovers. In order to get a substantial amount of money coming in, people may need more of a reason to donate...http://www.brighthub.com/money/personal-finance/articles/66500.aspxWed, 17 Mar 2010 18:17:01 GMTb133e95a-c263-4882-8f2a-b24547eff78e:66500LaurenRomanoMoney can be a tough subject among couples. Getting your finances in order before marriage can help you avoid having anything to worry about in the first place. This financial advice for men before marriage is a must read before saying, "I do!" A little financial advice for men before marriage can prove useful for many men and their rel...http://www.brighthub.com/money/personal-finance/articles/66419.aspxTue, 16 Mar 2010 20:36:29 GMTb133e95a-c263-4882-8f2a-b24547eff78e:66419JScheidThe Toyota Motor Company has had numerous Toyota safety problems in various models since late 2009 into early 2010. News from the automaker and auto industry experts varies on what those safety issues entail and how Toyota will regain customer loyalty. The Latest on Toyota Recalls Since Toyota began recalling over 8 million vehicles, the list has g...http://www.brighthub.com/money/personal-finance/articles/63754.aspxMon, 15 Mar 2010 04:24:33 GMTb133e95a-c263-4882-8f2a-b24547eff78e:63754ElizabethWistromUse this wedding budgeting formula to plan for the big day! The biggest mistake couples make when budgeting a wedding is not accounting for all of the details. This planning tool ensures that won't happen. You can have the wedding of your dreams - without overspending! If you are hearing wedding bells, you are most likely also hearing a...http://www.brighthub.com/money/personal-finance/articles/61963.aspxSat, 13 Mar 2010 17:01:54 GMTb133e95a-c263-4882-8f2a-b24547eff78e:61963AlexisWMillions of Americans pay overdraft fees each year. This can be avoided by carefully balancing your checkbook. While this takes a bit of effort, it is simple once you get the hang of it. Here are 10 steps to balance your checkbook and get a handle on your money. How to Balance Your Checkbook Balancing the checkbook used to be a basic skill everyone...http://www.brighthub.com/money/personal-finance/articles/18879.aspxSat, 13 Mar 2010 16:47:01 GMTb133e95a-c263-4882-8f2a-b24547eff78e:18879rkworthyAre you tempted to only pay the minimum amount on your credit cards every month? Do you feel like you can't afford to pay more than that? Well, you might be paying a very high cost to do so. Read on to find out exactly how much minimum payments can cost you in the long run. The Dangers of Minimum Payments While it might be tempting to p...http://www.brighthub.com/money/personal-finance/articles/64282.aspxSat, 13 Mar 2010 16:36:47 GMTb133e95a-c263-4882-8f2a-b24547eff78e:64282LWatrousBuying children's books in bulk is a great way to build a small library for your kids or for a classroom, while sticking to a small budget. There are several ways to get the job done, so check this out to find out more. Why Buying Children's Books in Bulk is a Good Idea Books are expensive. Children will read these books many, many times, b...http://www.brighthub.com/money/personal-finance/articles/66052.aspxThu, 11 Mar 2010 05:26:03 GMTb133e95a-c263-4882-8f2a-b24547eff78e:66052csc3819When does one need a financial consultant? The role of the financial planner has been given a lot of importance, particularly in the handling of personal finances. But why has the Better Business Bureau issued warnings for the public to be wary of bad financial consultants? The Advent of Bad Financial Consultants If the recent economic depr...http://www.brighthub.com/money/personal-finance/articles/66006.aspxWed, 10 Mar 2010 08:00:38 GMTb133e95a-c263-4882-8f2a-b24547eff78e:66006smojicaLearning how to organize monthly bills is not difficult and does not require much, if any, extra money. Overview Not knowing how to organize monthly bills can cost you a lot of money and headaches. If you pay the water bill late, you could lose your water supply in the middle of a shower or cooking a meal for your family. If you pay a credit card b...http://www.brighthub.com/money/personal-finance/articles/65999.aspxWed, 10 Mar 2010 04:31:12 GMTb133e95a-c263-4882-8f2a-b24547eff78e:65999csc3819As a newbie, be aware that you have to start somewhere and that you need to have money in your investment fund. Make things happen and start with what you’ve got. Don’t procrastinate by waiting for things to just materialize. Let’s say you’re one of those who are determined to wizen up by investing your money. The problem is you don’t k...http://www.brighthub.com/money/personal-finance/articles/65848.aspxSun, 07 Mar 2010 17:41:14 GMTb133e95a-c263-4882-8f2a-b24547eff78e:65848mmcdonoughEvery monthly budget has certain fixed or exact costs, such as a mortgage payment, as well as expenses that have to be entered as projected costs, like the amount spent on groceries. At the end of the month, it's important to update the budget with the exact amount spent on these projected items. Projected Costs in a Monthly Budget When creatin...http://www.brighthub.com/money/personal-finance/media/p/65827.aspxSun, 07 Mar 2010 18:54:22 GMTb133e95a-c263-4882-8f2a-b24547eff78e:65827mmcdonoughThis Excel file contains two worksheets – one is a sample monthly budget that includes columns for both projected and exact costs and the other is a blank layout that you can use to enter your own monthly budget items. Feel free to download this file and use it to help budget your own monthly expenses. For more details on how to use this budgeting ...http://www.brighthub.com/money/personal-finance/articles/65808.aspxSat, 06 Mar 2010 12:03:29 GMTb133e95a-c263-4882-8f2a-b24547eff78e:65808smojicaNavigating financial waters can be challenging. However, finding practical advice for dealing with money does not have to require additional expenses such as books, courses or financial advisors. Don't Pay for Checking Accounts Avoiding monthly checking account fees is a key piece of practical advice for dealing with money. You can easily find ...http://www.brighthub.com/money/personal-finance/articles/34692.aspxSat, 06 Mar 2010 01:12:04 GMTb133e95a-c263-4882-8f2a-b24547eff78e:34692smoothwhirlCredit card is one of the multiple financial improvements introduced in the modern age, advantages of which are being obtained by the issuer, the holder and the merchants. What Is A credit Card A credit card is a synthetic card, issued to a consumer, for making payments. It allows him to purchase items and assistance of employed people for various ...http://www.brighthub.com/money/personal-finance/articles/65783.aspxFri, 05 Mar 2010 20:58:51 GMTb133e95a-c263-4882-8f2a-b24547eff78e:65783smojicaLearning how to keep track of your money with pencil and paper is easy&#59; actually practicing it might present a bigger challenge in this age of reliance on computer technology. Getting Started If you want to learn how to keep track of your money with pencil and paper, you will need a few basic supplies. While loose-leaf paper and pencils can wor...http://www.brighthub.com/money/personal-finance/articles/64557.aspxThu, 04 Mar 2010 22:31:46 GMTb133e95a-c263-4882-8f2a-b24547eff78e:64557JScheidWhat is predatory lending and what can you do to avoid scams? When economic downturns are present everyone needs to know about predatory lending. Don’t be scammed by predatory lending and the methods they use to draw you in. What Is Predatory Lending? In essence, predatory lending is where the homeowner does not benefit from a mortgag...http://www.brighthub.com/money/personal-finance/articles/34693.aspxThu, 04 Mar 2010 20:18:19 GMTb133e95a-c263-4882-8f2a-b24547eff78e:34693wearmanyhatsLife insurance planning might seem overwhelming or confusing to the average person. However, it really doesn't have to be. Here are some basic ideas to consider when developing a life insurance plan. Establish the Need Buying life insurance is to cover a need. First identify if you were to die, what the needs would be of your loved ones. The be...http://www.brighthub.com/money/personal-finance/articles/65712.aspxThu, 04 Mar 2010 19:25:01 GMTb133e95a-c263-4882-8f2a-b24547eff78e:65712JScheidEven with preparation, no one is every prepared for the loss of a spouse or partner. Many websites offer financial advice to newly widowed people, but do they offer the best advice? Here’s a look at what to do with your finances if you are newly widowed. Start With the Basics Often dealing with finances on your own means starting with the...