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Finance Electronics With No Credit Check

Did you know that you could finance many common household electronic items without having a credit check run? Many people dont realize this until they take a few minutes to think about it. Places like Rent To Own and other buy here pay here businesses are set up to sell a wide range of things including electronics to people who either have poor credit or dont want their credit run for other reasons.

Some of the things that you can finance this way include desktop computers, lap top computers, televisions, cameras, DVD players, game systems and radios. As a matter of fact, just about anything electronics related that you could think of is probably available.

Here is how most of these places work. You bring in proof that you have an income, usually in the form of pay stubs from a job, a list of a few people you know with their phone numbers and sign a contract. Some places require a down payment while others dont. You then make weekly or bi-weekly payments until the item is paid off.

While this all sounds pretty good, there is a catch. You usually end up paying a great deal more for whatever it is you are buying than if you were able to just walk into a store and pay for it. You will pay a finance charge plus usually a bunch of other fees, A quick way to see exactly how much an item is going to cost you is to multiply the amount of each payment times the total number of payments. Then subtract the actual cost of the item and you can see how much borrowing is going to cost.

Here is an example. If your payments are $20 a week for 20 weeks, the total amount that you are paying is $400. If the item sells for $250, then you are paying $150 in interest and fees. This can get pretty expensive, so make sure you understand all of the fees and terms before signing a contract.

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Personal Finance Apps For Your Smartphone

Remember that foggy zone you used to be in when you wanted to take complete control of your finances? When you wanted to be more responsible in saving and spending to plan the present and future? Those foggy days are over and the days of finance apps on your smartphones that bring more clarity with ease of use are here. We are discussing top 5 finance apps that will prove to be useful to you.

1. Mint.com Personal Finance

This application is one of the best personal finance apps. It syncs with your bank transactions and categorizes them automatically. It creates customized budget based on your past spending. It keeps track of your spending and keeps reminding you about your budget. You can create separate mini budget for entertainment, gas, eating out- things you want to monitor. The app sends you reminders, alerts and colour codes the categories so that you know when you reach danger zone. It also offers tips on stocks and investment.

Platform: iOS, Android

Price: Free

2. MoneyWise

This app is very easy to use. It is a budgeting and expense tracking app. MoneyWise enables you to set your financial goals. It monitors the cash flow, categorises your expenses and with the help of colourful charts and graphs it lets you know about the status of the expense categories. You can export the data from this app as HTML or CSV files.

Platform: Android

Price: Free

3.Spending Tracker

This app as the name suggests tracks your expenses. It will help you unlock the mystery of where exactly your money goes every month. You will be able to organise your expenses on daily, weekly or monthly basis. It can be customized to suit your needs. The easy to read fonts and charts make it a fun little tracker.

Platform: iOS

Price: Free

4. Expense Manager

This app enables you to track your expenses across categories on weekly, monthly or yearly basis. You can search for individual transactions, set up payments alerts, import and export data from your phone to your desktop and take pictures of receipts while storing. It has currency calculator, tax calculator etc. It is a neat little useful app.

Platform: Android

Price: Free

5. You Need A Budget (YNAB)

This app is one for the whole family. It syncs with YNAB desktop software (required). It can budget across multiple accounts, analyse and can show the transactions of the whole family instantly. A free version is also available.

Platform: iOS, Android

Price: $4.99

Mama’s Little Lesson in Finance

“Every young man should have a hobby. Learning how to handle money is the best one.” –Jack Hurley

My mother was a wise woman. Educated as an elementary school teacher back when multiple classes were held in the same room, she understood how to implant a budding idea into a young person’s mind. This talent was not wasted on me. By the time I was 10 years old, she would engage me in topics of budgeting and other financial issues important to the family at the time. Most likely, she did not expect me to give her any insights, but used the opportunity to nourish in me listening and analytical skills. I can vividly recall her often telling me that while money is not the most important thing in life, it is an essential part of life that requires attention.

National polls show that two of the most important financial issues facing American families today are budgeting and investments. My mother’s introducing me to the family budget was the gateway to the investments field that would ultimately affect my life and livelihood. Not a financial expert by far, she understood the fundamental concept of the family living within its means while squirreling away a few bucks here and there as part of a rainy day investment fund.

I clearly remember one day while riding in the back of the family sedan–I was probably 5 years old–my dad saying something about the stock market. At the time, most people did not know much about stocks, but everyone had heard of successful companies like RCA and General Motors. After the Depression and WWII, most people were highly suspicious of the stock market. I innocently asked him what a stock was, but he could not give me a good answer. Years later after I had been drafted into the Army, one of my buddies casually mentioned that he owned some stocks. His comment aroused a lot of curiosity in me, but I did not ask any questions because I did not know enough to ask even a basic question.

About a month before being discharged from the Army, I was on patrol in Vietnam when my unit came out of the jungle into a clearing. For several months prior to that day, I had given much thought to what I would do with my life upon returning home. I had saved my money and knew that I wanted to go to college, but didn’t know which discipline to pursue. As I stepped into the sunlight after having walked for days under the thick jungle canopy, I noticed a weathered page of the Wall Street Journal blowing across my path that some GI had left from his patrol. The page showed an array of stock quotes. I picked up the page and studied it for a few stolen moments before proceeding on my patrol, but had no idea the meaning of all those numbers. It was at that precise moment that I decided to pursue Finance and Economics in my college studies–a decision that shaped my life forever more. Since then, I have learned how to read stock quotes and continue learning more about this fascinating subject every day in my professional life.

My mother and father are no longer with me, at least physically, but their guidance continues to affect every aspect of my being in profound ways. Every chance I get, I tell young people the WSJ story of how I got into the investments profession. More important than a lesson on choosing a profession, the thrust of my story is to highlight how seemingly small, insignificant events can have enormous implications for life-long directions and career paths. Some people may say that my seeing a copy of the stock-quote page of the WSJ that day over 45 years ago was happenstance as opposed to divine intervention. I have no doubt which one it was.

In my opinion, one of the best gifts we can give our children or grandchildren is the same gift my mother gave to me. Implanting curiosity in the mind of a young person can pay high dividends throughout that child’s life. Introducing a child to the fundamental concept of budgeting that we all basically understand (but may not practice) is an excellent beginning. Although not easy to do since it is natural that each of us wants to give our children more than we had growing up, teaching a child to live within his/her means is an essential life lesson. If the current generation were to better learn this crucial lesson, maybe they could, in turn, teach it to our politicians (imagine that!). Using budgeting as a springboard (a free site is Mint.com), the next logical step would be to introduce the child to the stock market and other financial investments.

I am not suggesting that every child pursue a degree in Finance and Economics. Not at all! But showing a child how to read a stock quote and asking him/her to follow a popular stock like Apple or Google on their smartphone can lead to other questions that can mitigate some of the mystery of the stock market. When riding in the car, I make it a habit of turning off the radio and asking my teenage daughter to stop texting her friends for a few minutes and read me some stock quotes off my iPhone, which she enjoys doing (a great app is Yahoo/finance). I am not doing this for my benefit, but to engage her in a brief conversation about what the quotes represent. You don’t have to be a financial expert to discuss basic points of how the stock market works. My logic is simple: investing requires saving, that requires planning, that requires thinking beyond today. To me, this is a formula that will serve my daughter well throughout her life. You may want to try it yourself, and may even learn something in the process. I feel sure that your mother would be proud.

Household Saving Tips – Personal Finance Help

Got Gas? – Part 3

Think of all the elements in your house that use Natural Gas to run. My folks have a gas stove, fireplace, furnace, hot water heater and a clothes dryer. I think they are need personal finance help if they want to reduce those costs. When they discover their budget one day, they’ll know if their gas bill is in line with what it should be compared to their income. I’ve sent them to our resource link for a comprehensive budget spreadsheet and other financial calculators, but they could also search google. Here are 3 quick gas saving tips you can implement in your home.

It’s Getting Hot In Here – I know you’ve heard the song. Don’t get to the point of wearing shorts at home in the dead of winter. To offer a simple bit of personal finance help you can use to lower your heating costs. Drop the thermostat setting by two degrees and you’ll save a around 5% on your gas bill.

Mmm Smells Fresh – Why does no one hang clothes out to dry. If your dryer is gas powered, you can save a lot of money by hanging your clothes on the line. I love this personal finance help tip as it relates to gas bills, because of the fresh smell it provides. If you your clothes become stiff, tumble them on low for five minutes.

I Burnt Myself Again – Have you ever burnt your hands when washing them or doing dishes? Think of all the things you use hot water for. I don’t believe your water should be so hot that you are unable to hold your hands under it with only mild discomfort. If it’s too hot to hold your hand under it, you water temperature is set too high and is costing you cash. My personal finance help tip regarding hot water heaters is change the setting so it’s not scalding, but is warm enough to get your dishes clean.

As a personal financial consultant, I’ve assisted many families reduce their overall costs. Their first step when receiving my personal finance help is to get their budget figured out. Simply doing this has often allowed them to allocate or free up hundreds of dollars a month. The next step is always to see where you can reduce expenses in other areas. In this case, I hope these tips will help you reduce your gas bill. Stay tuned for Part 4.

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