Do You Feel You Lose Every Time You Have To Deal With Your Finances?

Learn To Be In Control Of Your Personal Finances

By: Duell Sartin

Do you feel you lose every time you have to deal with your finances? You're not alone in this. A lack of financial literacy has led millions of people to feel as if they have no talent for managing money. Below are some very valuable tips that can help you take control of your personal finances.

You may want to put savings into a variety of places because of the economy's instability. Save your money in a few different kinds of accounts so you are covered. Using a combination of these savings strategies (or even all of them at once) will help you protect your money.

Rebalance your portfolio yearly. By re-balancing your investments, you can be sure they reflect your goals and tolerance for risk. It will also let you practice the skill of buying low and selling high.

If a credit repair company guarantees that they can improve your credit history, be very wary. Companies will make a statement and say that they can fix your credit. This is not factual because the afflictions of your credit do not necessarily resemble the credit issues of others. There is no easy fix that fits all. If a company makes such claims, they are false.

Avoid eating out to save money. By buying the needed ingredients and cooking meals at home, one is going to learn to appreciate the effort that it takes to prepare a meal at home for oneself.

Every time you get a check, save some money from it immediately. Leaving this money aside will keep you from spending it. If you know you the money is in savings, you will be less likely to try to spend it versus having the money in your account with the intention to save it and being unable to avoid the temptation.

Over time, it's possible you will have issues with financial problems even if you have planned carefully. It is always a smart idea to learn when your late fees start, as well as how many days past the due date you are allowed. Consider all your options before choosing a lease.

If you have some free time, get a second job besides your full-time position. Perhaps you can pick up some shifts at an area restaurant or work as an umpire for recreational sports leagues. Gaining added income every week can have a huge impact.

Patience is a valuable asset when it comes to managing your money. Many people buy the latest and greatest electronics as soon as they come out. For instance, you can save a lot of electronics by waiting for the price to drop. This opens up your budget to buy more things.

In conclusion, so many people are unsure about dealing with their finances, leading them to a whole word of financial hardship. Fortunately, there are many things that you can do to avoid financial shortcomings. Learn to manage you personal finances wisely with the tips above.


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Living the Good Life on the Cheap

Bargain Junkie: Living the Good Life on the Cheap

Forget fashionistas. Meet the bargainista. Annie Korzen is a thrifty woman with expensive tastes. Raised by an immigrant mother who reused tea bags, Annie learned early on how to be an economista. 
In Bargain Junkie, Korzen shares her hilarious tales from the trenches--the garage sales, estate sales, thrift stores, rummage sales, and online auctions. Korzen haggles, scrimps, saves, and stretches her dollars and her imagination so she can afford to travel, dress well, and eat out whenever possible. 
Whether she's getting a cardiovascular workout at the store, getting revenge on a yard sale con artist, or eating herself sick at the free green room buffet before appearing on The Oprah Winfrey Show, Annie is the ultimate bargainista.  

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Penny Auctions

How Do Penny Auctions Sell Items At Such Low Prices?
by OLIVER BRAND

Big savings is what we are all looking for. When consumers shop on the high street, the majority head for the bargain bin. When they shop online, they often venture into the "sale" section of a website. The need to save money is growing day by day. Hard economic times have forced people to be a lot savvier about what they are spending and when they are spending it. This is not necessarily a bad thing, as the fact is, a lot of people have been incredibly wasteful over the past years in a number of ways.

Getting involved with Penny auctions is an increasingly common way for shoppers to try and save money. Penny auctions are those auction sites that increase by just a penny every time someone makes a bid. The idea is to get the highest bid in the auction, in order to win. Of course, like many other auction websites, it is easy to get outbid, which can be incredibly frustrating, and on penny auction sites incredibly expensive. Most people are surprised when they see just exactly how cheap the items on these sites actually sell for. The reality is that these penny auctions offer people chances to save hundreds.Items that are worth several hundred dollars regularly sell for just a few dollars. 

Most people are amazed at this, and generally wonder how the auction site stays open if they are losing so much money. The reason most people are sceptical about penny auction sites, is because they do not understand the way that they work. Penny auctions charge the bidder "per bid". Every bid they make will cost them money. A total bid cost on a new TV might typically be a couple of dollars, where as on an iPod it might be half that. This is why the auctions go for such low amounts. The bidders need to calculate the value of the item, but also ensure that they spend as little as possible on their bids. That said, the clever bidder can end up paying just a few dollars on bids, which represents a massive saving. There are some bidders that win much more than others. 

The reality is that they have experience and they really know how to work these sites to their advantage. Here is the great thing; people can learn to be more successful at bidding. The most successful bidders that operate on penny auctions sites will consistently study the auctions to see the bidding patterns of others. This will enable them to ensure that they get the most out of their bids. They may notice busy periods, where there are always bids being placed, which they can avoid for instance.

Most penny auctions are not a scam and those that are sceptical could be missing out, however it is true that you could end up spending a lot of money on bids and not actually win anything. For this reason it's important to find a site which has some kind of 'buy it' feature, this means that as you place bids your own purchase price drops, so there is no risk of wasting money. To make the most out of these auctions, people really need to start their research now. The more they know about these sites, the better chance they have of being able to win auctions at extremely low prices. 

Unique bid auction sites are a variation on the penny auction format, here it's not the final bidder who wins the auction but the bidder who has placed the lowest unique bid. 

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