Why not make 2012 the year your finances work for you? If 2011 proved not to be your most money-savvy year, there’s no need to start the next 12 months feeling glum. In fact, there’s every reason to re-think the way you manage your money and take charge for the year ahead. Taking a fresh look at your financial habits could make all the difference: looking at which good financial habits you should keep, which ones you should take up, ...

As a general practice, you want to keep track of how you’re spending your money. Tracking your expenses can highlight wasteful expenditures, give you a rough estimate for how much your necessities cost, and help you plan for the months to come. Keeping tabs on where your income goes is a great way you can tighten your belt in a bad economy, or let out a little when it booms. The key to keeping track efficiently ...

It’s tough to buy everything you want when you are on a budget. So it’s no wonder that consumers are back to clipping coupons and figuring out ways on how to cut costs. Coupons are great, however, you need to take time to cut them out and then to remember to take them to the store. Many of us now shop online, therefore savings can begin before you even leave your house! By finding coupon codes through different means, ...

Discover how this first step can make you debt free! Wealth-building? At my age? I'd be happy just to get out of debt! Unfortunately, that’s the mind set of many women 40 years of age or older. As a group, we women are so focused in our younger years raising a family that we have difficulty visualizing the idea that someday, we actually may have enough time to travel or do the things WE really want to do. Then one ...