Expenses and fees, such as late payment fees are the killer of any savings strategy. On average the American Public now saves zero percent of the income they earn. Pulling out of this current economic meltdown will require additional savings – somewhere in the region of 20%! The first step in planning for long-term goals and an immediate savings action plan is actually determining how much you spend on short-term expenses. Once you know how much money is spent on the here-and-now, you can assess how much money can be put into investment and saving vehicles for the future.

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We all have things we take for granted. Something as routine as getting up and going to work every day hardly seems cause for concern, but what happens when your car unexpectedly breaks down and you are suddenly faced with quite a little predicament? That always dependable car you took for granted has now let you down and you need to decide not only how and where you are going to get it fixed fast, but where you are going to get the kind of money you are going to need in order to have it fixed even faster. ... Continue Reading