Lots of people assume that successfully managing personal finances is too difficult without hiring a knowledgeable financial adviser. This is incorrect if you have the proper information. Knowledge is the key to managing finances properly. Keep reading so that you can learn how to better your financial situation.

Don’t fall for get-rich-quick schemes or anything that promises easy, effortless riches. Internet marketers tend to fall for these schemes. While it’s important to increase your knowledge, rather than spending a lot of money, learn more through actually working.

Taking note of each and every expenditure is a great way to discover where your money tends to go. Make sure, however, that you do not tuck your notebook away and forget about it. Try writing things down on a whiteboard in your kitchen or somewhere else that is visible. Since the notes will be constantly visible to you, you will stay aware of your fiances.

Most new products already come with a 90 day or one year warranty, and if your item is going to mess-up, it probably will within that time frame. Extended warranties are great for businesses, but they aren’t great for the customer.

Try negotiating with debt collectors who ask for money. They probably bought your debt off for a very low price. If you work out a deal and only pay a small amount of what actually owe, they will still be making a profit. Use this to your advantage and pay off your debt for a low price.

Obtain a checking account that does not charge any fees. Some of your main options will include credit unions, online banks and some major chain banks.

If you’re under 21 and you desire to have a credit card, you need to be aware that certain rules have changed through the years. It used to be that credit cards were freely given to college students. Today, you must have verifiable income or a co-signer to qualify. Research each card’s requirements before you apply.

Family Member

If you have a friend or family member who has some experience in the finance professions, they may be able to give you some good advice about managing your money. If one doesn’t have a friend or family member who can help, they must do their own research online or by purchasing a good book.

As time goes by, financial problems may crop up despite the best of plans. It is always a smart idea to learn when your late fees start, as well as how many days past the due date you are allowed. Consider all your options before choosing a lease.

It can take more distance and effort, but you may save tons by just using ATMs that are associated with your credit union, bank, or thrift. When you use an ATM that doesn’t belong to your bank, you’re often charged a significant transaction fee. Even if the fee is only a dollar or two, it can add up quickly.

If you have the skills to do your own home improvement, you should not pay someone else. There are D.I.Y. classes in home improvement stores, along with many online articles and videos that show you how to effectively complete a job yourself.

It is a wise idea to always have a small amount of cash in your wallet for incidental purchases. Some retailers will not allow you to use your credit card for purchases under a set value.

Look back at your past mistakes with credit. If you have had excessive credit card debt in the past and struggled for years to set it right, learn from your experience. Try to learn from your mistakes, and negotiate better wages next time the opportunity arises. Any lesson learned from personal finances is valuable. Make sure to learn from your lessons, so you will not be in a poor financial situation in time to come.

Debit Card

It’s important that you carry a debit card and some cash if you’re going to be making small purchases. Don’t break out the credit card at every opportunity. Many credit companies and vendors are setting minimum purchase amounts, so you should always keep your debit card and some cash with you just in case.

Come up with a budget in order to get your finances together. You need to have a budget to help you change the way you spend your money. Having a budget is vital for holding your spending on a short leash.

As you can probably see, no one is born knowing how to manage their finances. If you invest the time in learning how to manage your personal finances, you can cut your spending and increase your savings. Go over this article many times and incorporate it into your own finances and soon you will recognize positive changes to your overall financial situation.

Americans are generally ignorant about personal finance. This article will help you stretch your resources and include the basics on personal finance. You will see how to make your money go further, and find out how to supplement your income with side projects.

Make sure you pay attention to the news so you can expect market movements. It’s problematic to ignore international news in favor of U.S. news if you’re trying to trade currencies. When you’re aware of what’s going on globally, you’ll be able to make smart predictions about the market and choose your financial strategies wisely.

Whenever you can, avoid debt. This will result in healthy personal finances. Some debt is normal, such as education loans and mortgages, but try your best to avoid bad debt such as credit cards. The less you are borrowing, the less you’re going to have to spend on fees and interest.

Credit Cards

If you desire a favorable credit score, use two, three or four credit cards. Credit scores build slower if you only have a single card, but having more than four is a sign of possible credit problems. You should start by getting two credit cards and applying for a third or fourth one as needed.

Stop eating so many fast food meals and restaurant food. Buying ingredients and making food at your home can also save you money and others will appreciate the effort of creating a tasty meal.

Make saving money your first priority each time you are paid. If your intention is to just tuck away whatever dollars you still have at the back end of your pay period, your saving will never get going. Knowing the money is already unavailable makes budgeting easier and avoids the problem of forgetting to save the money or the huge temptation to find something else to spend it on.

Signing up for a frequent flier reward program is a great way to save money or be rewarded if you fly often. There are a number of credit cards that give free miles or a discount on air travel with purchases. Some of the major chain hotels even take frequent flier miles towards reduced rates, or even free lodging.

You can’t repair your credit without getting out of debt! To do so, cutbacks must be made. This will allow you to pay off loans and credit accounts. A few ways to get access to more money include cooking at home or cutting back one night of socializing on a weekend. Bringing lunch with you to work and eating in on weekends will make great strides in your personal savings. When you cut this spending, you can put those funds elsewhere.

Make sure that you will end up in a secure financial situation before you pile up a great deal of debt with student loans. Going to an expensive private school while unsure of your major or what career path you’re going to take, may mean that you end up in permanent debt.

Are you under 21 years of age and desire to have a credit card? If so, then you should know that in recent years, the requirements have changed. Previously, credit cards were given out like water to college kids. These days, you’ll be required to demonstrate that you have a reliable income or a cosigner to pay the debt in case you default. Prior to application to any particular card, take a hard look at the requirements that come with it.

Family Member

If you have a friend or family member who worked in the financial sector, ask them for advice on managing your finances. If one does not know any people who fit that description a family member of friend who is good with their money can often be the next best thing.

Remember that every penny you earn or spend should be included in your monthly budget. Using the dollar bills and buying lottery tickets with them is a fun way to possibly have much more money than was spent on the tickets.

Sometimes, regardless of your careful planning and preparations, financial crises pop up. It is a good idea to become familiar with the late fees and extension period allowed. Find out what your options are before you get decide to sign a yearly lease.

It may be a little hard but it’s recommended to use ATMs that your bank owns so that you can save on fees. This can save you quite a bit in the long run. Financial institutions often levy hefty per-transaction and monthly fees for using the ATM of other banks, and these fees can add up very quickly.

Use the knowledge you have obtained and put it to work to improve your financial situation. Don’t just save your money, earn interest on what you are saving.

Although money can’t buy happiness, it can help to provide a peace of mind. Not having enough money can cause a lot of stress and sleepless nights. The stress and uncertainty that a disordered financial situation can cause afflict far too many people. Essentially, money does buy happiness, so read on to learn how to get your personal finances in better shape!

If you choose to invest money in forex, keep tabs on trends. You must stay up with the current trends. That way you will be able to make the right buying and selling choices. Don’t sell on upswings or downswings. You must have a goal, and stick to it during these wild trends.

Set up a bank account that automatically takes a few dollars each month and saves it if you want to save quite a bit of money. This is a great technique which forces you to put aside a little bit of money each month. This can also help tremendously if you need to save for a future event like a wedding, vacation or other event down the road.

When you are thinking about your finances, you should be patient. A lot of people fall into the trap of buying the newest, best electronics as soon as they are available. However, if you take a step back and wait for a bit, the price will likely drop. This opens up your budget to buy more things.

Buying a car or house are usually the biggest purchases most people make. It is important to set a large portion of cash aside for these expenses. Pay them off as quickly as you possibly can by including extra payments each year.

Turn your unwanted items around the house into money in your pocket with a simple yard sale event. Let your neighbors sell their things for a small fee! You can be as entrepreneurial as you want during a garage or yard sale.

If you want to better manage your finances, you need to rid yourself of any outstanding debt. The best way to accomplish that goal is to repay credit cards and other loans, which may require some sacrifices. Cook more at home and try to choose only one or two activities to do each weekend. Little things, like bringing a sack lunch to work or avoiding excess spending on weekends, add up over time and can help you to save enough money to pay off your debts and repair your credit.

Some choose to gamble by purchasing lottery tickets when they should be putting that money toward savings. That way, you’ll increase income over time instead of throwing money down the drain.

Avoid paying utility bills late. It can be damaging to your credit rating to pay them late. You may also be charged a late fee, that will cost more money. Late payments are not worth the additional fees and stress, so pay bill in a timely manner whenever possible.

Family Member

If you have a friend or family member who has some experience in the finance professions, they may be able to give you some good advice about managing your money. If one doesn’t know anyone who works in the financial sector, a family member who manages their own money well could be helpful.

If an item that is too expensive benefits the whole family, then it is a good idea to try and get the money together as a team effort. For items that benefit the family as a whole, such as a barbecue grill or a new television, pooling funds together may be just the ticket to finding the money needed to make the purchase.

Selling an older laptop is a way for individuals in difficult financial situations to make a little bit of extra cash. Operational machines or easily fixable ones can bring better prices than broken machines. Selling nonfunctional laptops can be a great way to generate quick funds.

Make arrangements with your bank for an automatic payment that will clear the balance of your credit card bill each month. You can avoid late fees and penalties by ensuring the bill is paid on time.

Credit Card

To ensure timely credit card payments set up an automatic monthly bill pay through your bank. Credit card companies would rather see you make regular payments than pay your balance off completely. You won’t need to worry about missing a payment or having it arrive late. If you can, send in a little extra to pay down the balance on the card.

You will be a good trader if you know when you should let your profits keep running. This tactic should be used in moderation without greed getting in the way. Once you are happy with the profit that you have made on a trade, you need to know when it is time to withdraw.

The previously discussed pointers have, hopefully, helped illustrate a number of ways in which you can get your finances in better shape. It takes time and effort, sometimes much longer for others, but it’s worth it in the end to learn how to manage your money properly and avoid the stress of living financially unstable. You will find that you are happier in the long run!

Saving money is difficult with all of the social pressures pushing you to spend, spend, spend. From television ads to promotions in stores, it’s a fight to resist spending daily. Fortunately, this article contains some essential tips that will help you to better manage your finances and save money.

Managing your money is extremely important. Work to protect your profits and invest capital. Investing your current profits to grow them is a good idea, but you have to have good money management skills to make that work. Set aside a specific percentage of profits earned, and invest the rest in capital that can make you even more profit.

Do not sell stocks at the wrong time! If a stock is earning a good amount, it is best to allow it to sit a little longer. Carefully study your portfolio, and decide which stocks you should sell and which ones you should hold on to.

Poor Credit

Don’t fall for the scam that an organization can guarantee you a clean credit report. Such a practice is absolutely illegal, and these companies are likely to run off with your money before doing anything to help you with your credit score. However, this is a misleading claim because the cause of your poor credit may differ from the cause of someone else’s poor credit, and these varying factors require different treatment methods. The only credit repair agencies that guarantee success are fraudulent ones.

You can be more financially stable if you take the time and plan carefully for your life ahead. Having this detailed plan will be a motivator for you also, as it will encourage you to work more diligently or decrease miscellaneous spending.

Buying a car or house are usually the biggest purchases most people make. The principal and interest amounts for your home and car will comprise the largest lines in your budget. You can pay them off faster if you add an extra payment or put any of your tax refund toward it.

Make sure you have adequate health insurance coverage. Everyone, at some point in life, will get sick. So, it’s very important to have the best possible health insurance for your family situation. In quick order you can run up a huge amount debt with doctor and hospital bills. This will leave a huge hole in your pocket if you do not have insurance.

Open a new savings account at your bank, and deposit money into it on a regular basis. The savings money should only be used for emergencies, college costs or major expenses, like a down payment on a house. Even if you cannot make a big contribution every month, you should still save up as much as possible.

Find a checking account that is free. Local banks, credit unions, and online banks are all likely to have free checking offers.

Create a savings account that can be used for emergencies. Perhaps you have a specific aim in mind that you wish to save money for, such as attending college or a down payment for your own home.

Ask around, and see if any friends or family have a background in a financial area. They might be able to help you learn to manage your finances. If one does not know any people who fit that description a family member of friend who is good with their money can often be the next best thing.

If a family member is looking to purchase an item, but it costs too much for them to buy on their own, they might be able to convince the family to chip in. For items that benefit the family as a whole, such as a barbecue grill or a new television, pooling funds together may be just the ticket to finding the money needed to make the purchase.

Brand Items

Purchase local store brand items rather than well known brand items. A lot of the times a brand name is only pricey because of the advertising they have to do. Generic or store brands are usually much cheaper. Often, the generic brand will maintain the same quality as the higher end brand.

Your experience has likely taught you that it is not easy to save money. It is no wonder given all the stimulus we absorb each day urging us to spend our money. Take what you have learned and get your financial life in order to ensure a bright tomorrow.

A good financial situation requires sacrifices, discipline and education. You are not really positive about how you save money. You are hesitant to ask your friends for advice so that you do not seem irresponsible or ignorant, though they may be having similar problems. The below article will provide you with some personal finance tips to help you out.

Don’t waste your money on get-rich-quick schemes or any other instant cash program. This is something that Internet marketers often fall victim to. If you execute what you pay to learn, then your profits will increase greatly.

In these turbulent times, spreading any savings you have around multiple locations is sound strategy. Besides maintaining balances in checking and savings accounts, invest in stocks, mutual funds, gold, and t-bills. Explore all your options to keep your hard-earned money safe.

Do not pay the full price for anything. It is not prudent to restrict your purchases to certain brands unless those brands are truly better. When you do buy brand name items, look for manufacturers’ coupons and use them! If you’re used to buying one kind of detergent but now you have a coupon that saves money on a different brand, go with this other product.

Keep a small envelope in your wallet or purse. Use this to store all of your receipts and business cards. Keep them around so that you have a paper trail. They might come in handy in case you wanted to compare them with the credit card statements just to be sure you weren’t double charged.

Have a set amount of funds automatically transferred from your checking to your savings account every month. This is a good way to put money away every month. In the event you are saving money for something special (e.g. a vacation or wedding) this can be very helpful.

By practicing patience in your personal finances, you can save a significant amount of money. A lot of people fall into the trap of buying the newest, best electronics as soon as they are available. The prices of such items tend to drop rapidly, though, so you should wait a bit before purchasing. These savings will really add up and allow you to eventually get much more for your money.

Create a yearly plan of your finances. Sticking to a set of objectives is a great way to stay on track and remain within your budget.

Cfl Bulbs

Replace all of your old light bulbs with new, efficient CFL bulbs. These bulbs will save you money and save the environment at the same time. CFL bulbs also last much longer than traditional light bulbs. You will also save a lot more money because you have to buy fewer bulbs over time.

If you have a friend or family member who has some experience in the finance professions, they may be able to give you some good advice about managing your money. One could also try to seek out the advice of a family member who seems to know how to handle their money.

Discuss your financial situation with your close friends and family members. They should understand and support you, or at least not tempt you to spend your money to go out with them. By being honest, your friends will not think you are mad at them when you cannot go to dinner. Keep your close relationships strong by letting friends know about your financial challenges.

You should try to pay off your debt as fast as possible, and do not apply for any new debt either. This can be done, though people often need to try different strategies before they find one that works for them. Whittle debt down a little every day and do not take on new debt! Maintaining a consistent approach will help you get rid of your debt and gain financial liberty.

Make sure to budget and track money to follow expenses. Realizing what you spend the most on can help you decide which areas to cut back in.

You should now have a clearer vision of your personal financial state, where you are now and where you want to be. You should also have an understanding about how to get there. Should you find yourself still trying to make sense of some of the above tips, conduct a little additional research, and you will grasp the idea in no time.

Beyond helping you with day-to-day money management, developing strong financial planning skills is vital to organizing the big purchases that can define a life, things like vacations, automobiles, and houses. Below, you will find advice for making financial control easier.

Do not pay the full price for products if you are looking for ways to cut your expenses. Reconsider your brand loyalties, instead favoring products for which you have coupons. Detergent and soft drinks are great examples of products you can get deals on if you open yourself up to new brands.

Health Insurance

Get health insurance to secure you and your family’s future. Eventually, everyone gets sick. It is critical that you have some type of health insurance coverage. Before you know it, a stay in the hospital, as well as doctor’s bills, can reach tens of thousands of dollars. Without insurance, this can leave you owing a lot of money.

If a debt collector is asking you for money, try negotiating with them. They bought your debt from the originating company at a discount. As a result, they can also offer some savings to you. Use this knowledge to your advantage to avoid paying debts in full.

Avoid eating out in general and save a lot of money. Saving money is easier when the ingredients are bought and cooked at home; there is also appreciation for effort taken to create a home-cooked meal.

Frequent Flier

If you fly all over the world on a regular basis, then you need to take advantage of frequent flier programs. It is not uncommon for credit card issuers to offer incentives like airline miles or valuable discounts. Your frequent flier miles add up quickly and can be used for services and products other than flights.

Online banking services often provide several different types of alert options that can be very helpful to customers. Most banks will send you an email or call you if any suspicious activity is detected. Low balance alerts and large withdrawal alerts can help protect you from overdraft and fraud, for example.

If you have a friend or family member who worked in the financial sector, ask them for advice on managing your finances. If one does not know any people who fit that description a family member of friend who is good with their money can often be the next best thing.

Save up those extra dollars. Use them to buy lottery tickets that can possibly win you the jackpot.

Selling an older laptop is a way for individuals in difficult financial situations to make a little bit of extra cash. If it’s working, it can be sold for a decent amount of money. You may be able to trade a broken one for free gas for your car or something else.

Avoid ATM fees by using the ATM of your bank. Financial institutions have heavy monthly and per-transaction fees if you use other ATMs, and those can build up fast.

The easiest way to grow your own wealth is to live below your means. Individuals who spend their entire paycheck or overspend and take out loans will never be able to save a dime. Simple, spend less than you earn!

Try to save even a small portion of your money each day. Forgo store brands for generic brands, and check out which food items are on sale. Plan your menu around items that are currently on sale.

When checking your mail, pay attention for notices from creditors alerting you of changes to accounts. According to the law, credit accounts have to inform you of the changes 45 days ahead of time. Consider the changes and decide if the account is still worth keeping. If you decide that they are no longer worth it, pay off the account and close it down.

Credit Report

Be sure to stay on top of your credit report. There are ways that you can check your credit report for free. You should do this every six months to check your report for unauthorized changes or evidence of identity theft.

You need to keep a budget if you want to successfully manage your funds. Your personal budget should contain a written list of all of your monthly bills and expected expenses. Monthly expenses include anything that is recurring month after month, such as rent or electricity. Be sure to note all expected expenditures. Add up your anticipated monthly expenses, and make sure you don’t spend more than what you have left after paying them.

Bring either a debit card or 10 dollars in cash with you so that you can buy small items. New laws allow merchants to set minimum purchase amounts for use of credit cards by customers.

If you are organized with your finances in the here and now, you will be able to save for bigger purchases that you want to make later on. After reading this article you should have a better understanding on how you can make better decisions with your money.

Financial concerns are among the more unpleasant aspects of living. Use this understanding to improve your life, remove the stress created by money problems and enjoy an improved credit rating. Regardless of how this happens it is possible to learn how to be more financially stable so that you’re able to save money instead of spend it.

Choose a broker that you can trust and are comfortable with. Demand impeccable references and try and gauge their honesty and trustworthiness. The experience level that you bring to the table is also important.

Don’t pay full price for everything to help your budget. Try to only buy a product if it is on sale or you have a coupon. If a coupon for a brand you’ve never tried makes it less expensive than your usual brand, be both adventurous and frugal and try the new brand.

Carry an envelope with you at all times. Use the envelope to stash receipts, business cards, and other small pieces of paper you want to save. These items can provide a valuable record of your purchases. Try comparing credit card statements to see if they contain double charges.

Most new products already come with a 90 day or one year warranty, and if your item is going to mess-up, it probably will within that time frame. Businesses make a lot of money off of extended warranties but they are not always useful for the end user.

Be aware of IRS income tax deadlines. If you are anticipating a refund, then file as soon as possible. It’s better to file closer to the due date of April 15 if you owe money to the government.

Prepare your personal finance with the right insurance policy. Everyone gets sick eventually. The right health care coverage is important. Medical bills can quickly skyrocket to five figures without health coverage. If you don’t have insurance, you will be responsible for the entirety of that bill.

You may not know that after a certain period of time, debts expire. Ask an expert about when your debt will expire and do not pay anything to a collection agency that tries to get your money for an old debt.

Negotiate with collectors to see if you can get your debt or at least your interest reduced. It’s likely that they only need a small amount of the total to come out ahead. They will make a profit even if you do not pay a very large amount. Use this fact to your advantage and negotiate a lower settlement.

Avoid eating out in general and save a lot of money. Making one’s own meals at home is thrifty and adds to appreciation of making the meal.

Avoid incurring large debt through student loans, unless you are sure you can handle it in the not too distant future. Going to an expensive private school while unsure of your major or what career path you’re going to take, may mean that you end up in permanent debt.

If you use online banking, then consider signing up for the alert features that may be available. Many banks will notify you when changes are made to your account, often through text or email messages. Withdrawal alerts can protect you from identity fraud and theft and low balance alerts can save you from overdraft fees.

Buying a car is a very serious decision. Shop around for the best car prices, then pit each dealer again the other. Look online if you’re not happy with the prices you find in your general area.

Flexible Spending

You should use a flexible spending account to your advantage. Flexible spending accounts can provide savings on qualified expenses such as medical costs, and child daycare bills. Flex spending accounts permit you to place pretax dollars into an account to pay for these types of expenses. There may be terms and conditions with these types of accounts. It is in your best interest to talk with a tax professional if you do not understand how flexible spending works.

Talking to a good friend or family member that has worked in the financial services industry can be a good source of free information on how to better manage your finances. If one doesn’t know anyone who works in the financial sector, a family member who manages their own money well could be helpful.

Now that you know some of the basics, you will be better able to save money, even when there are unexpected expenditures and emergencies that often crop up. Do not worry about the time it takes to improve condition of your finances. Just like anything else in life, there is no quick fix. Keep with it, and you are going to start to see positive changes.

Financial stress can drive people to despair. You can choose to be different to those. By following these tips, you can make your financial situation better. Keep reading to gain the knowledge needed so that you can save your personal finances.

File your taxes as soon as possible to abide by the IRS’s regulations. If you need money fast and anticipate a refund, file early. If you are in a situation where you owe a great deal of money and are not going to be getting a tax refund, you can wait to file your taxes until April 15.

Your two largest purchases are likely to be the house you live in and your car. Interest rates and payments on these two items will most likely be the bigger part of your monthly budget. Pay them off quicker by adding an extra payment each year or using your tax refunds to pay down the balance.

Credit Cards

Credit cards are a fantastic alternative to using a debit card. One great use for credit cards is for daily items, such as gasoline or food. You’ll earn points or cash back on those purchases when you use a rewards card.

Talking to a good friend or family member that has worked in the financial services industry can be a good source of free information on how to better manage your finances. If one doesn’t have anyone like that, a friend or family member who manages money well can suffice.

Arranging for your bank to make an automatic credit card payment for you every month protects you from pointless penalty charges. Paying a credit card bill on time is a boost to your credit score, even if you can’t pay the full amount. By using automatic debit payments, you can ensure that your payments won’t be late, and you can add to the monthly payment to get the balance paid off faster.

Depending on the situation, it may be best to allow your money to sit on one exchange for longer than you might think. However, using this technique shouldn’t be overused. Once you make a profit on a certain trade, know when to take the money off the table.

Nobody is perfect, particularly when it comes to managing personal finances. You can request a waived fee for a one-time bounced check from your bank. Of course, this is a one-time thing that banks offer only to those who maintain a positive balance and manages their account effectively.

If you find the task of balancing your checkbook manually to be too much trouble, you can do it online instead. There are many different websites and stand-alone software programs that will help you to get your finances in order.

If your employer offers flexible spending accounts, take advantage of it. You won’t be taxed for this money; therefore, you are saving more.

Use store brands as opposed to national brands. Name brands are more expensive due to their huge advertising costs. Choose the less expensive, generic option instead. There really isn’t much difference in the quality, performance or taste of a generic brand.

Ask friends and family for advice on your credit. They should understand and support you, or at least not tempt you to spend your money to go out with them. If you do not share the reason you can not buy someone a gift, or go a lot of places with them, they might take your rejection more personal. Allow your loved ones to know what’s going on with you so that they understand why you’re doing the things you do.

Credit Report

Be sure that you view your credit report from time to time. You can do this once year for free, more often if problems are found. Be sure to check your credit report every year as a way to make sure that there aren’t an inaccuracies.

Do not get into debt with things that are unnecessary. You may need to get a loan for a car or a home. However, purchasing all your daily needs on credit is not a good idea.

If you plan on sending your children to college, start putting money away from the day they are born. College costs a fortune, and if you wait too long to start saving for their college fund, you may not be able to cover the costs of their education.

You can have a better life, since you know now how to control your finances. This should give you a idea on how to fix your personal finances. Now that this article has given you some hope, give this article to a friend that can use it.