Steadfast Finances - A Personal Finance & Investing 101 blog that delves into current events, consumer education, and techniques to improve your bottom line.
8 October 2012

5 Ways to Enjoy the Movies for Cheap

Popcorn, the dark theater, a comfortable seat, the big screen, a good film, and booming surround sound…. This set-up lures people to attend the movies. Although going to the movies is good, clean fun and is enjoyed by everyone, this entertainment source does not come cheap. With the prices of commodities getting higher and higher, entertainment, including watching a movie, becomes a luxury. Still, it is impossible and probably unwise to totally eliminate entertainment expenses.

4 October 2012

It’s Better to Be in Credit Card Debt Than Bounce a Check

 Personal Finance         No comments

Here’s a statement that guarantees me some grouchy comments: it’s better to be in credit card debt than to bounce a check. Of course, it’s better to properly manage your money and face neither scenario, but we don’t live in a perfect world. Somewhere, in the great big financial world, someone is short on cash for the month and they are planning on bouncing a check, when really they ought to be going into credit card debt.

1 October 2012

The Big Trip: How to Prepare Your Finances for Travel

 Personal Finance         2 comments

The thought of just hopping on a plane to go anywhere at a moment’s notice, with no worries or qualms, leaving everything behind to travel for a bit is a romantic, thrilling notion. However, unless you’re Donald Trump, it may be a little unrealistic. While you definitely can just fly far far away, taking a couple steps to make sure your finances are in order first will save you a lot of trouble during and after your trip.

27 September 2012

How Four Types of Financial Agents are Paid

 Investing 101         1 comment

It is hard to avoid. At some point, you need to work with a banker, broker, agent or realtor to obtain the financial products that can help make you wealthier. The Fed’s Survey of Consumer Finances showed that nearly 40 percent of families will consult a banker or a broker for financial and investment advice. Aside from friends and family, financial agents are the second or third most common source of financial information.

27 September 2012

Ways to Start a Business

 Business Trends         No comments

Are you looking to start your own business? While the initial stage may be exciting when starting out on a journey like this, it is often the most challenging period for a small business owner. Not only are you tasked with creating the system or systems in order to increase later efficiency, you are also forced to come up with the funds to run the business. Every business needs money – it’s just a matter of how you are going to acquire the money.

24 September 2012

The Cost of Raising a Child

 Personal Finance         No comments

For most parents, having a child is a joyous event in their lives, and there is no bigger responsibility than having the welfare of another person in your hands. If you are a new parent or a parent to be (or probably even the veteran parents), you will probably agree, that it is not an easy task. Aside from ensuring the welfare and safety of the child, you need to struggle with every little detail of the child’s presents needs. You do not provide just for your needs anymore but for the child’s as well. It is the time when your needs take a backseat.

21 September 2012

What to Buy Your Teenager For Their First Car

 Auto Sales         1 comment

A colleague of mine, who is much older than I am and has teenage kids, is thinking about how he wants to get his eldest child a used car that can be their own. This is common for most middle and upper class families. A few extra thousand dollars to buy a used car can go a long way to helping a teenager grow into adulthood. Yet, that doesn’t make it an easy decision. In fact, there are a lot of variables. How new of a car do you get? What make? What model? What are the goals for buying this car? How long should you expect it to last? While I am no expert, I thought I would share my perspective on what to buy your child for their first car.

17 September 2012

Hiring A Financial Planner: What You Should Do

 Personal Finance         No comments

Hiring a financial planner can be one of the smartest moves that people can make. Although this isn’t necessary for everyone, most people can really benefit from hiring a professional who can effectively manage your finances. But when it comes to deciding, and the hiring process itself, many of us don’t know what to do. If you’re considering hiring a financial planner, here’s how to do it.

14 September 2012

Factors in Selecting the Best Bank Account

 Banking         No comments

Managing your personal finances is quite complicated. There are many aspects and subjects to cover and it often takes years of active work to get everything in order. It is so complicated that many people give up on the small things and just focus on the major things. Yet, small things do matter. As the popularized “latte factor” has illustrated, a few bucks here and there over decades adds up really fast. The same is true for bank accounts. A recent article on MSN Money drew attention to the fees associated with bank accounts. This only highlights the fact that it is important to consider the smaller details of bank accounts when selecting the best one as it can mean the difference of thousands of dollars over your lifetime. A few minutes of research will be sufficient once you know what factors to consider.

13 September 2012

The Age of Financial Repression

How long has it been since you earned any money by saving? You definitely can’t include the 1 percent interest you earned last year, which was taxed at 15 or 25 percent by the federal government and 5 to 10 percent by your state. No, the interest that you think you made lost ground to the over 2 percent inflation that boosted prices last year. Honestly, it’s been years since you’ve actually saved any money. What your savings accounts have been doing over the last few years is losing money.

12 September 2012

Budgeting after the Wedding

 Personal Finance         No comments

Almost every aspect of our lives is connected to finance. When you get up and go to work, you are leaving the comfort of your bed for a paycheck. When you go to the grocery story each week, you pay money for the food you eat. Marriage is no different. While it is often associated with ideas of romance, sacrifice, commitment, marriage also has many connotations for our finances.

11 September 2012

How to Save Money Shopping

 Personal Finance         No comments

It’s that time of year where we will all start looking ahead to Christmas. Whether you want to travel for Christmas or you have lots of gift ideas you want to purchase, it’s time to think about how you are going to finance that. Some people like online cash advances as a method while other [...]

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