Steadfast Finances - A Personal Finance & Investing 101 blog that delves into current events, consumer education, and techniques to improve your bottom line.
2 March 2013

Ways to Ruin Your Finances

 Personal Finance         1 comment

No one is perfect with managing their money, but some people are worse than others. In my days, I’ve seen some pretty stupid stuff. I’m not saying that I don’t expect people to make mistakes, but there’s a difference between learning from your mistakes and not. If you are looking to improve your financial situation, [...]

25 February 2013

Top 3 Mistakes that Will Destroy Your Credit

If you have never learned about credit, however, you are certainly not aware of how your actions today can affect you tomorrow. You may not know anything is wrong until you go to buy a car or a home and find that you are rejected because of a low credit rating. Don’t let this happen to you. By avoiding these mistakes in your teens and early adulthood, you can establish a solid credit history as an adult.

25 February 2013

Signs of Healthy Finances

 Personal Finance         No comments

I was talking with a friend of mine and he was telling me all about how he is struggling with his finances. As he told me the many details of his finances, it became clear to me that he didn’t realize that he was in trouble long ago. If he had corrected some of his [...]

18 February 2013

Mutual Funds: What Are They? Are They Safe? How Do I Choose?

 Investing 101         No comments

I want to provide you an overview to help you decide if mutual funds merit further investigation as an investment option for your portfolio by addressing the following questions: What are mutual funds? Are mutual funds a good investment vehicle? How safe is this type of investment? How do I choose a mutual fund company?

11 February 2013

3 Step Easy Debt Reduction Diet

 Personal Finance         No comments

Warning! Stop looking for the EASY BUTTON! It ain’t there because there is no such quick fix. The reality is that debt reduction requires a serious and dedicated effort over time. Unless, you are consider the big B, bankruptcy, that is. Even then, that is definitely not an easy or desirable choice.

27 January 2013

9 Things Every New Graduate Must Buy

As you transition from the college campus to the working world, it is inevitable that you would need to spend some money on necessary items. Rather than think of what it is costing you, consider it an investment for your career and your future. Here are nine things that any new graduate like you must buy to be a professional and advance your career. Don’t get these confused with items you shouldn’t buy.

20 January 2013

5 Things a Recent College Graduate Should not Buy

 Personal Finance         No comments

You just got your diploma and have joined the working masses. For some new graduates, entering the working world is the signal that you should go on a spending spree. After all, you have worked hard for your money. However, there is a right time to buy things that you want or need. This article lists some things that a recent college graduate should refrain from buying, especially while we are living in a tough economy.

13 January 2013

5 Ways to Manage Marriage and Money

 Personal Finance         No comments

Marriage is a serious phase in anyone’s life. Not only will you be sharing your life with another person, but you will also be financially responsible for each other. Money can be an awkward subject to tackle especially if you are not on equal financial footing. However, with the right approach, money need not be a sore point for you as a couple.

7 January 2013

5 Investment Tips for Recent College Graduates

 Personal Finance         No comments

People think that life after receiving that diploma is just one big party. It is a time to celebrate your independence, reaching the legal drinking age and having money of your own. Life passes you by and before you know it, you hit thirty and you still have no savings. Your twenties are all about learning about being responsible. Even if you have just recently graduated from college, you should already think about investing for your future. In fact, you should always start as early as possible.

31 December 2012

Stocking the Bomb Shelter: Is Buying in Bulk Actually Worth It?

If you like reality TV then you’ve probably seen commercials for the specialty shows like “Doomsday Preppers” and “Extreme Couponing.” While these shows may seem a little silly and a lot like a waste of time, there are those who make the concept of these shows a daily part of their lives.

24 December 2012

‘Til Debt Do You Part: Should a Hidden Financial Past Stop the Wedding? Part Two

In the first part of this article series we discussed, or rather I expounded, on the problem of marrying someone who is irresponsible with money—should you or shouldn’t you go through with the wedding if your intended spouse is keeping or has kept financial secrets from you?

23 December 2012

Getting Serious About Paying Off Your Mortgage

 Debt Reduction         No comments

For most people, paying off a mortgage is not really a priority. Given the typical timeline of 20-30 years, it’s really hard to get excited at how big a dent an extra couple thousand dollars will make. Combined with the fact that most of us will sell that home long before we own it outright, [...]

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