A Meeting Place for All Home Office Women

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When the global banks decide to cut interest rates yesterday, I shuddered a little. Not that I have a fortune in the stock market and banks but I was concerned with the current financial meltdown.

See, the truth is regardless of all that is happening in the financial markets and the inflation turmoil faced by many of us in and out of the home office, life still must go on. We still need to pay our car insurance or our home owner insurance. Perhaps we need to make more and save more during this difficult time. Whether or not the financial market is showing signs of depression or the stocks are tumbling, health still matters and this is the time to make sure you and your family are covered with reliable health plans. While I’m not an expert in helping you with getting the best health quotes, there are those who can. Don’t go without health insurance. Click here for an no-obligation health insurance quotes from up to 5 different insurance companies.

Some call it a lifesaver and some call it a curse. But like in all things, there is the good in every matter and it all depends on your mental attitude and approach towards the subject. I bet a majority of us women carry credit cards with us everywhere we go and they are most needed during festive season and on vacation. I don’t deny that it is tempting to pull out the plastic card on anything and when this happens, you need to practice a bit of self control.

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As a home business owner, you may be careful on how to spend your money. But what is helpful is if you organized a plan on how to best save your hard-earned money. Shopping the sales, cut corners, conserve energy, book cheap flights and clip coupons are all positive steps to help you save. In other words, with some careful planning and organized thought, you can make your dollar stretch even further.

I read from an article that suggests that you should pay yourself first. This means you bill yourself as a way to keep track. You can have a portion of your check directly deposited into your savings account so you’ll never even miss it. Put part of it into savings for shorter term goals and put some into a retirement plan. One other way is to compare interest rates at different financial institutions to get the most bang for your savings!

The thing that concerns work from home moms is to constantly make sure that we are not debt-ridden. Whether you are in debt now or if you are looking to prevent yourself from falling victim to it, you may want to examine budgets. Creating a budget for yourself is a simple process, but it is one that can help to keep you out of debt or even get you out of debt. Read the rest of this entry →

You say you know where your money goes and you donít need it all written down to keep up with it? I issue you this challenge. Keep track of every penny you spend for one month and I do mean every penny. You will be shocked at what the itty-bitty expenses add up to. Take the total you spent on just one unnecessary item for the month, multiply it by 12 for months in a year and multiply the result by 5 to represent 5 years. Read the rest of this entry →

These days, it is hard to find anyone who will walk into a retail store without a wallet full of plastic cards. They can be your credit cards, discount cards, VIP cards, member cards, loyalty cards, rewards cards…etc. Yet, we are still adding new cards to our collection, especially with new promotions on credit cards and loyalty cards. Why not? Since we are able to save on shopping purchases and enjoy privileges with discount cards.

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I’m pretty sure most of us have a paypal account, some have premium ones, business or personal. Few days ago, I was alerted that paypal is deducting certain fees from all transactions coming through into premium and business accounts. I found out that it was true and rang them to find out why. After being told that this was a common commission deduction for premium and business accounts, I switched mine to a personal one. But I was told that a report would be made as there might a system error of why the fees were only implemented now and not before.

Anyways, I got an email from paypal this morning that cleared the air. The email read:

“We are contacting you to let you know that fees were deducted incorrectly from a payment you received between November 10 and November 12, 2007.  

We will credit the amount deducted to your account within the next 24 hours.   

We apologize for any inconvenience. You are a valued PayPal customer and we appreciate your business.  

If you have questions, please feel free to contact us at 1-888-221-1161.

Sincerely,
PayPal”

So, all confusion cleared… I suppose I didn’t have to switch to a personal account after all. But since I don’t link my paypal to my credit card, neither do I withdraw any money from it, I’ll leave it as it is. The difference between a personal and premium account is that, for premium accounts, you can withdraw unlimited times from your credit card but with personal accounts, you can only do up to 5 times.

And for those of you who live in Asia, you can call Paypal Singapore if you run into any problem. Somehow, the line to Paypal in the US tends to take a longer time.

Most of us have experienced times when we really could have used some extra money to help us survive until our next paycheck rolled in. Financial distress can come up without warning and at any time. A payday cash loan is one way that may help you to pay those unexpected expenses or give yourself a little early spending money. They are simple loans to obtain if you know what you need to look for. Read the rest of this entry →

Credit card, especially to working people and those who live very busy lives, has become an ultimate financial helper. More than just being a status symbol or an add-on to expensive purses and wallets, credit card has revolutionized the way people spend their money. Since having a credit card is a responsibility, only those people who are of legal age and have the capability to pay off the amount they are going to spend through their credit card, is allowed to have one. Actually, most of the adults in the U.S. use credit card because this is very convenient compared to carrying cash or checks every time they have to purchase something. Read the rest of this entry →

It is very important for people to understand how dramatically credit card debt can affect your financial standing, or lack thereof. Credit card debt is one of the leading causes why an individual would end up having to file for bankruptcy or take out mortgage loans on their homes or other drastic things such as that. People become so caught up with trying to make purchases that are just not feasible, never considering how much it is going to cost them down the road, because of the enormous interest rates. As a result of that, they end up with debts and established a bad credit history with banks and financial institutions. Bad credit offers website was created to provide information and resources for those with bad credit. They can read about credit card offers for bad credit individuals, home loans, car loans options and credit repair information.