Today we are going to talk about one of the most important part of our lives, personal finance management strategies. With enormous amount of information on the web, sometimes it is hard to sort things out and to know exactly where to start and what to do.

We may look at other successful people and think they were born with the finance management skills. Nevertheless it is crucial for us to understand these wealthy people set great example for us. In order to obtain and to develop our own finance management skills, we have to act on our own.

Working as a financial coach and having experience of seeing various peoples’ financial backgrounds, it is easy to come to a certain conclusion that both positive and negative personal finance management has its roots in how the person was raised and what he or she was taught about money management in general. But not to get too much in depth into it, it is highly important for us to look at the people who are constantly looking for ways to make their lives financially better. What do these people do? They continuously educate themselves, and we have to learn from them. Goal number one for us today is to become a Personal Coach for ourselves.

Living our day-to-day lives, we come across numerous challenges. Whether we realize it or not, we deal with them in our own personal way. Benefit from these situations and for a minute become thankful to yourself for what you have already achieved. By doing that you are already multiplying positive aspects of your life.

When you come across uncomfortable situations, the most important question to ask is “What can I do about it, now?” While there are thousands of people who struggle to get a decent paycheck or to have a stable financial income, self-motivated people have set a goal to learn how they can manage their finances better. These unique people have fully replaced money struggle with sufficiency and joyful drive to make money. Dear reader, please note, it is important not ‘to earn’ money, but ‘to make’ money.

What does the money management has to do with on-line payday loan services? Or we should better say how you can benefit from using the on-line payday loan services? Well, the first aspect is to take a temporary measure in order to deal with your urgent financial needs. The second aspect is to find on-line payday loan services with low interest rates and beneficial conditions. The third aspect is to know exactly your current finance strategy and to follow it.…


Campus is packed with new and returning students, which means that college is in full swing. Classes are in session, professors are currently difficult students plus the Quad is buzzing with fall schedules; if the tension of college hasn’t hit yet, it almost certainly will pretty quickly. Finding a greater education is no quick feat, specially any time you add dollars to the equation. I assume college is definitely an invaluable experience – socially, professionally and intellectually.

Among one of the most stressful factors about college may be the funds element: every day spending, month-to-month living costs, and these really intimidating student loans. Do you understand what you happen to be going to perform together with your limited funds this semester? If not, here are a number of tricks to aid you make it to Christmas (or summer time) without the need of investing quite a bit of pressure into your finances.

Get a strategy

Let’s just get rid of the word “budget” from our vocabulary. “Budgets” indicate restriction. You can’t have anything. Do not view it that way. Your economic strategy eliminates the tension of your “what if’s” in your life. Set a everyday or weekly limit for you personally spending and stick to it. Commit half an hour every week devoted to figuring out your spending. When you must, create down where you commit the most of cash and where the least of it goes. Then, make a decision what you want to invest your funds into and what you are able to do with no. I’m not expecting you to stick using a strict financial strategy; you might be, just after all, in college. I want you to know specifically where you will be spending your funds. As soon as you figure that out, you’ll know your program; exactly where to cut and exactly where to invest is going to be a lot much easier to figure out.Set limits

In some cases, you have just got say no. In case your good friends wish to do something that could have you strapped financially for the following two weeks, say no. If you’re consuming out max is 5 occasions per week and also you reach that by Thursday, cease going out to eat till Monday. Set an intention to devote a particular quantity of revenue each day, week or month an honor it. After you’ve hit your max, stop spending. One of the best items about college is that you’ll be able to get a whole lot of factors at no cost. Your social life won’t endure mainly because you might have set a limit for the spending.Save a little

Ahead of you roll your eyes, let me explain what I imply. Becoming in college is almost synonymous with becoming broke. But I think you should save some thing – something – every month. Whenever you graduate and get a full-time job, certainly that quantity will be much more. You will invest in a retirement strategy …


Position trading refers to the style of trading in which trades are taken and held for a considerable period of time, anywhere from several days to several months. The majority of long term investors practice this style of trading because of its many benefits. Position traders usually do not bother themselves about fluctuations, which in most cases tend to be short-lived. Investors using this style of trading study long-term time charts such as weekly and monthly charts to identify potential trade opportunities.

When practicing position trading, you are not entering a position in the market and quitting it at the end of the trading day. Position trading involves entering a position with a longer time perspective. Position traders aim to identify trade opportunities in financial instruments where the technical trends and/or the fundamental analysis of the instrument imply a large movement in price that is about to take place, but that which may take an extended period of time to yield good returns.

Position trading is a flexible style of trading. Traders can effectively engage in it while retaining their day time jobs. Because they mainly use weekly and monthly charts for analysis, they can take as little as a few minutes every day just to check on the progress of their trades. As such, it is regarded as one of the easiest ways of navigating the financial markets, without having to glare at the computer screen all the day long.

Just like in any other style of trading, position trading requires adherence to discipline and keeping to the rules. Importantly, because the “long term” perspective is the backbone of position trading, personality and level of risk tolerance of traders can either work for or against them when practicing this type of trading. In position trading, sometimes a trade can be negative for days or even weeks. However, you should be able to be patient and allow enough time for the decision you made to result in profits. Nonetheless, this does not mean you should stay in a losing trade if you discover that the decision you made will not work according to your initial expectations.

To start position trading in any financial market, you should have an in-depth knowledge and understanding concerning the macro-economics and associated issues. Actually, keeping an eye on a long term position can be easy; however, identifying a profitable long term opportunity can be something different.…


You see the ads on TV and hear them all day on the radio asking if you know your credit score. They all want you to use their service and get copies of your credit report and score. But is it really necessary? Do you really need to know your FICO score? Here’s a closer look…

If you have any kind of credit history at all, either through credit cards, loans, mortgages, etc., then you will also have a credit score. These scores will range from a low of 300 all the up to 850. Naturally, the higher the numbers the better.

Your scores are used by lenders and other financial companies to determine whether or not you qualify for things such as a new car loan, a credit card, a lease on that new apartment, or even a new job you have applied for.

Yes, employers have the right to pull your credit history as part of their pre-screening process for anyone applying for a job. Not all do, but all have the right to do it, and many do!

Knowing upfront exactly what your credit score is will help you know if it is even worthwhile to apply for a loan or other transaction. Obviously, if your credit is poor and you try to apply for a new 6% 30 year mortgage, chances are it isn’t going to happen. Better to know upfront how your credit looks than to be “surprised and embarrassed” later on.

Another great reason to know your score ahead of time is that it gives you the ability to begin making changes to your credit history. You can clean up your credit before trying to make that new loan.

You’ll also be able to look at your report and see if there are any errors or information on it that shouldn’t be. If so, you have the right to dispute it and have it removed. But this takes a few months to complete. That’s why you want to know what your credit report looks like ahead of time, so you can get started making the changes necessary.

These two reasons alone are why it is always a good idea to get an annual copy of your credit report and score once a year. The good news is that the report is free of charge once a year. The score will cost you a small extra amount, but it is well worth it. If you haven’t requested a copy of your credit history in the last year or more, I would urge you to do it while you’re thinking about it right now.…


Every family has experienced some level of sibling rivalry, but Esau and Jacob are the poster children. In the womb, these boys could not get along. In life, the fighting continued. Genesis 25:31-34 show us how dangerous greed and envy can be.

Esau was the older of the two boys. As the eldest son, tradition held that he would get the family birthright. He was considered second to his father, Isaac, and he had special privileges. Upon his father’s death, he was also entitled to a double portion of the family estate.

Since Isaac was also an heir to God’s promise to Abraham, this also put Esau and his descendants in line to inherit God’s promises.

While the temporal benefits held some value, God’s promise was priceless. This promise was a great honor, and even Jacob could see the value of such an inheritance. He was determined to be able to share in that promise.

God will consider our methods

While Jacob’s yearning and desire might be considered admirable, his approach made his efforts dishonorable.

Jacob used his brother’s desperation as an opportunity to take advantage of him. Knowing how vulnerable Esau was in his hunger, Jacob coerced his brother into exchanging a priceless treasure for something that fulfilled his need for instant gratification. How often do we lose a piece of ourselves as we seek instant gratification in our own lives?

Even if the prize is of priceless value, we must consider the questions asked in Matthew 16:26: “And what do you benefit if you gain the whole world but lose your own soul? Is anything worth more than your soul?” (NLT)

The Bible reminds us to consider our methods of achieving any goal, even if it is a goal that could be admirable. Deuteronomy 25:16 tells us, “For the LORD your God detests anyone who does these things, anyone who deals dishonestly.” (NIV) God will not approve of our accomplishments if we go about them the wrong way.

Solomon urges us to think of the possible negative consequences of our actions. “The integrity of the honest keeps them on track; the deviousness of crooks brings them to ruin.” (Proverbs 11:3 The Message) We may end up doing more harm than good, even if our intentions in the beginning were right.

We should always strive to be like Christ. Paul told the Hebrews about the lifestyle they hoped to exemplify: to “have a clear conscience and desire to live honorably in every way.” (Hebrews 13:18 NIV)

Go back to the basics

While we may find ourselves putting on our blinders as we focus intently on our destination, we must constantly remind ourselves of the foundation for working toward living honorably. James reminds us of the Old Testament’s greatest commandment, as found in Leviticus 19:18. He writes, “If you really keep the royal law found in Scripture, ‘Love your neighbor as yourself,’ you are doing right.” (James 2:8 NIV)

If Jacob would have loved Esau as he loved …