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.
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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.
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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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