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7 Money Mistakes That Can Keep You from Achieving Your Goals

Money_Trap

Schools don’t do a very good job when it comes to teaching basic money management skills. 

If we want to learn how to handle money we pretty much have to rely on the example set by our parents, as well as our own experiences of trial and error.

If we’re lucky we figure things out early and get a head start on the path to financial freedom.  But all too often we fall into the same money traps that keep so many other people from achieving their dreams.

If you want to take control of your finances and start building wealth you need to avoid these common money mistakes…

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How to Get Your Spouse More Involved in the Family Finances

In many marriages, there is the financial geek who enjoys setting the budget, paying the bills,  and managing the money. 

Often the other spouse wants no part of the finances.

While this is not always the case, it is true for many marriages.

This arrangement may work well for awhile, but over time, the spouse who handles the money may feel burdened by being the sole financial executor, especially if the family struggles with debt.

While the financial geek may never get his or her partner as excited about finances as he or she is, there are some ways to get your spouse involved more.

How You Can Get Your Spouse More Involved in the Family Finances

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What is FOREX Trading and is it Right for My Portfolio?

Sometimes sticking to stocks and bonds just isn’t enough for the investor that wants to make his portfolio a little more exotic.

For the aspiring speculator, a wide range of options are available: trading options, trading on margin, owning precious metals, and FOREX trading.

Be forewarned: you should never dedicate more than 5-10% of your nest egg to any kind of speculative trade opportunity whether it be picking individual stocks on your own or doing currency trading.  You can survive losing that small chunk of your portfolio, but not a significant portion of your assets.

What is FOREX Trading?

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Earth Day Freebies and Deals – and a Little History Too

earth_lightbulb

Earth Day was first held on April 22, 1970, and it was lead by Senator Gaylord Nelson from Wisconsin.

Nearly 20 million people participated and today, 42 years later, we still celebrate Earth Day, but now, 175 countries celebrate Earth Day.

Earth Day 2012 will also be celebrated on April 22nd (and will be celebrated on that date at least until 2015).

The primary purpose of the day is to bring awareness to environmental issues as well as to focus on reducing, reusing, and recycling.

Of course, proponents of frugality recognize that the things we do to keep Mother Earth healthy are the same things we can do to keep our finances healthy.  By reducing, reusing and recycling, we become more financially conservative.

When you buy a used car, shop at garage sales or your thrift stores or hold your own garage sale or donate items you no longer use, you are saving money and keeping items out of the landfill, which is a win-win.

To celebrate Earth Day this year, several retailers are offering freebies or discounts.  There are plenty of great offers to take advantage of:

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What Would You Do with a Cash Windfall?

Quick—if you got a serious cash windfall what would you do with it?

It’s fun to think about this question, not the least of which since windfalls do happen, at least from time to time.  And when they do come, it never hurts to have some ideas.

The way I see it, there are three basic choices—spend it, save or invest it, or use it to pay down (or pay off) debt.

Which you choose depends on your circumstances.

Let’s take a look at three options for a cash windfall:

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Should You Give Human Resources Access to Your Facebook Profile?

More and more, our private lives are available online.

When you sign up for a social network, you are putting yourself out there.

Post on Facebook?  Send a tweet?  Share on Google +?  You are putting information about yourself in the public domain, and it could be searchable.

While some privacy settings can limit what’s out there, you never know what sort of trail you are truly leaving online.

This is becoming important because, increasingly, companies are using online search as a way to determine whether or not you would make a good hire.

Social media is becoming a big part of the job search, and you need to be aware of this.  There are even companies offering services compiling social media profiles for employers.

Some companies, though, are going beyond simply searching the web for dirt on your past, or purchasing a report on your social media habits from a third party.

There are reports that some companies are actually asking for Facebook logins, and making friend requests.

Should Employers and Potential Employers Ask For Your Facebook Password?

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