Articles About Managing Your Money and Personal Finance

Ten Steps to Financial Freedom - Whether you earn $10,000 per year or 10 times that you can be in debt or you can be living in financial freedom. Read this article to further understand the definition of financial freedom and the definition of money. Learn if you consciously spend your earnings and about unconscious spending leaks.

Book Review: Your Money or Your Life - A professional organizer helps you organize your finances with this book review. It's a book about that makes you really think about what your spending costs you. It tells you how to weigh whether particular purchases are really worth all that workplace stress and overtime. And she discusses how to improve your financial goals.

Need help sticking to a budget? Try budgetmap

BudgetMap® is a portable household budgeting system. It literally fits into your checkbook. Your budget is always with you when you're spending, so you'll be aware of your spending habits and managing your money daily.

How to Protect Yourself Against Identity Theft - Identity theft is a scary crime because it allows someone to take your identity to use it for securing loans, credits and other kinds of debt in your name. Then you're left to clean up the financial mess by clearing your name. It's not easy. Here are just a few tips to prevent identity theft.

Check Your Free Credit Report Annually!

If you want to request a free credit report once every 12 months from each of the nationwide consumer credit reporting companies---Equifax, Experian and TransUnion---go to www.annualcreditreport.com . This is the only site that will give you a no-strings attached free credit report.

I highly recommend that you do this on your own secure computer AT HOME. But if you don't want to order your credit report online, you can request it by phone and by postal mail using a form they provide.

Why would you want to check your credit report annually? You want to be on the look-out for credit fraud---someone charging credit or opening accounts in your name without your knowledge. This has happened to me at least once---through someone opening a mail order catalogue account using my name/subscription form sent to them in a catalogue at one of my previous addresses. So it definitely can easily happen to you too.

Send for just one of the free reports each quarter. That way you can spread your freebie reports throughout the year and get a year-round view of changes to your credit.

Regards,

Karen Fritscher-Porter

Publisher/Editor

The Effective Admin

Creating a Realistic Budget - Creating a financial budget is part of setting your personal financial goals. Learn exactly how to create a personal budget. You'll also learn the definitions of static expenses and variable expenses. Plus find and record your money leaks and start spending deliberately so you can meet your financial goals.

Needs Versus Wants - What is a want and what is a need? It's not as clear in the United States as you might think offhand. And that may be partly due to advertising influences and the environment and social status that surrounds us. But it is important to know the difference between wants and needs when you're working on your financial goals and minimizing debt.

Phishing - Its Signs and Your Options - This article defines phishing. Learn how to be on the lookout for phishing bait. Plus learn what to do if you happen to fall for a phishing scam. It's easy to do!

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