Is your coffee habit really worth it? Maybe it’s not coffee. We all have little pleasures and people telling us what we should or should not be doing. You know what I’m talking about. Personal finance experts whose entire strategy is to get you to give up
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If you do this one thing, you will make at least $1,200 in the next 12 months. There are no sacrifices, no changes in behavior, and the best part is that it can be done in as little as 4 hours. I’ll tell you how I, personally,
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Annual Percentage Yield (APY) and Annual Percentage Rate (APR). This calculator converts from one to the other. Generally people want to convert from APY to APR or APR to APY in order to understand similar investments or loans, or in order to perform their own calculations. APY
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People who are motivated to improve their personal financial status generally keep a budget. Using a personal budget helps keep spending and saving in perspective. Goals can be formulated and progress checked. Here’s just another option for tracking your personal budget in Excel. It’s designed to be
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Figuring out how much you need to save for retirement can be a difficult task. Because of the uncertainties that exist it’s impossible to know exactly how much you’ll need to retire securely. However, don’t let those uncertainties deter you from proper planning. There are several things
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How much money do you need in your emergency fund? The answer is, no one knows. There are a lot of variables to consider: how risk averse you are, number of incomes, extent to which your expenses are fixed vs. variable, amount of income earned from investments,
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Do you know how much you need to save for your child’s college education? Use this college savings calculator to estimate the total costs of college and the required yearly and monthly savings goals that will get you there. Of course, it’s impossible to know what the
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This template will help you quickly prepare a personal balance sheet (aka calculate net worth). A personal balance sheet is a simple tool in which all assets and all liabilities are listed. Net worth is calculated as total assets minus total liabilities. It’s not uncommon to have a
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