Financial Planning

There can be a lot of paperwork handling your finances. Having an organized system instead of just putting everything into a drawer or box can save time and reduce the stress of not being able to find something when you need it.

At the start of each new year, most of us have one goal in common: figure out our finances. Here are some easy ideas to get you motivated.

Chances are, your mail box is filled with offers for credit cards, mortgage refinancing and home equity loans. Many of those offers stress the benefits of moving existing balances to the new lenders. While that may sound appealing, especially if the new loan offers an attractive initial interest rate, it is important to consider all the factors associated with debt consolidation.

Developing and adhering to a financial strategy can be overwhelming.

Borrowing money is a part of almost everyone's financial lives. But borrowing money also carries serious responsibilities and too much borrowing or the wrong type of borrowing can cause many problems.  

Any time is an ideal time to sit back and review your finances. Here is where to start.

Building good financial habits can provide a rhythm, or sense of control, for your financial life.

The financial environment can be confusing, even in the best of times.

There are many old sayings that are especially relevant when it comes to your finances.

Develop a financial reserve. Being prepared (with 3 to 6 month's living expenses) can help relieve financial anxiety. Use an automatic savings plan to save a set amount each paycheck. The fund will grow and you may end up not even missing...