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Bankruptcy is designed to give people a fresh start when they need one, but it is a last resort. Here's everything you need to know about filing for bankruptcy. It’s never fun to consider declaring bankruptcy. But, believe it or not, bankruptcy can be a smart financial decision in certain situations. Bankruptcy’s designed to give people a fresh start when they need one. And if you file for bankruptcy, you’re taking a big step towards getting your finances under control. That’s a

Proper cash flow management is a crucial factor to consider for every business out there. If you are not paying close attention to the money coming in and going out in your business, you are bound to fail in the long run. When it comes to managing cash flow in a business, people make plenty of mistakes. In this post, we'll highlight eight common cash flow management mistakes that can kill a business. 1. Lack of Proper Sales Estimation If you are running a business that sells products, you need to estimate your sales properly, or you'll end up failing big time. Some people overestimate their sales, which is why they fail mostly . Although it is critical to be optimistic, entrepreneurs are highly advised to be realistic to avoid compromising their businesses. Objectifying your sales is a cash flow mistake that you need to avoid at all costs. Therefore, it is essential to apply historical evidence when estimating your sales to help you have real numbers. The challen

Don't blow the opportunity to make the most of your boosted paychecks. Not everyone is fortunate enough to get an annual raise. But if you have a higher paycheck coming your way in the new year, it's important that you put that money to good use -- namely, by not spending it. Of course, that's easier said than done. When your paycheck is suddenly more robust, the temptation to spend can increase. But that could, in turn, stop you from meeting your financial goals. That's why there's one important move you must make right away if you're getting a raise -- set up an automatic transfer to your savings account. A seamless approach to saving money With an automatic transfer, you arrange for a portion of each paycheck to go directly from your checking account to your savings account. That way, you avoid the temptation to spend that money, and instead ensure that it's socked away for more important things. At minimum, aim to save the exact increase your r

You’ve made the decision to get rid of debt, and you're ready to fully commit to team #debtfree. But creating a solid debt payoff strategy can be a challenge. This is especially true if you have a mix of revolving and installment debt, including student loans. Should you use the snowball method or avalanche method? What about the debt snowflake method? And before you go looking that one up, no, it's not a legit debt payoff strategy! Instead of getting hung up on different payoff methods, use these three simple steps to craft your debt payoff strategy. 1. Write down all your debts With the myriad of ways you can get into debt, it’s no surprise that you might not actually know exactly what type or how much of each debt you owe. Track your account statements and order a copy of your credit report. Check the National Student Loan Data System for your Federal Student Loan debt obligations and their associated servicers. Make note of the following for each obligation: Curre

Are you having difficulties in paying your student loan? Do you think that it is impacting your mental and physical health? You are not alone. Many are going through this phase. It would help if you acted intelligently to minimize the stress and pay your loan on time. You might find it a bit hard due to your ongoing financial trouble. However, there are many ways to cope with student debt. You will have to research all the possibilities. After thorough research, you will find yourself in a better position . Focus on your current financial health. Try your best to minimize your expenses. You need to pay your student loan on time. Otherwise, the consequence can be severe. You will have to avoid such a condition. You might be thinking about how to do this. We will help you with some practical suggestions. Keep reading to find ways to cope with student debt. Try to Avoid Any Default Your objective is to avoid any default payment. You will have to avoid any delay to prevent d

A budget is a crucial planning tool for managing a business. Your annual budget will help you control costs and provide you with targets against which you can monitor the performance of the company. A budget, though, is not a statement of what you want to happen; it is a realistic forecast of what you expect to happen. Some businesses, however, do create three different budgets to reflect the best case, worst case, and most likely scenarios. So, where do you start the budgeting process, and how do you make your budget as accurate as possible? Here are twelve tips to guide you through the budgeting process. 1. Two Approaches The first question you will need answering is where to start preparing a business budget. Well, you have two options. You can either begin the budgeting process by forecasting your costs and target profits and then calculating the sales you will need, or you can predict your sales and then adjust your expenses to achieve the desired net profit.

Do you wish to rent a home and not to buy it? Worry not, your option is right as there are several reasons why it is advantageous to you. Renting a home means you will only be a client to the homeowner, and you will be paying some amount. Buying a home means you will have to exchange money, goods, or services to own your home. Owning a home is a guarantee it will serve you for a long time. Your coming family generation can also find a place to stay. But renting a house seems to be the best option than buying. Here are some reasons why it will be better to rent a home. Amenity accessibility Rental homes are made for business purposes, and they may include entertainment structures such as swimming pools. When you rent a house with these structures, you will have to entertain yourself more. You will be exposed to many amenities as they cannot all be found in your home. Putting amenities in your home may be costly, and you may not enjoy all benefits. Renting houses includes

In this guide, we'll look at what inheritance tax is and how it works. We'll also dive into how it differs from the federal estate tax, among other relevant topics. The taxes mentioned above are different from each other, something that most people miss when discussing them. Each of them has their practice and concepts in the application, which are essential to understand. Additionally, not everyone knows whether inheritance is taxable and if it is – some still don't understand how it works. Every heir does not have the habit of paying inheritance taxes, just like not every estate will pay the estate taxes. It's also essential to understand how the taxes mentioned above can affect you as an inheritor or a benefactor. Defining Inheritance Tax Some states impose an inheritance tax on those who inherit assets from the deceased. The tax rate is different in all the states because of influence from several factors. Some of these factors include the inheri

A business credit score is a summary of your credit report into a single number. This summary number represents the credit history of your business. It features details such as how long your business has been around and the number of credit inquiries of your business. Simply put, your business credit score shows how healthy the finances of your business are, and it's potential. It helps to determine how your business should be viewed by banks, other businesses, and lenders. Having a good credit score in your business can help you get loans easily , win contracts faster, and get better terms with vendors. So, how do you improve or ensure your business credit score is up to par? Below are essential tips to help you out. 1. Always Analyze Your Business Credit Score Report Your credit report plays a significant role in your business. That is why you always need to ensure that you carefully analyze it. You can get your business credit report from various credit report

The leap from renting to owning is one of those classic markers of adulthood, and with that leap come new responsibilities from mortgage loan payments to homeowners insurance. One cost that catches some new homeowners off guard, though, is maintenance. After all, in the renters’ world, these costs are typically covered by the monthly rent check. That leaves new homeowners with a lot of questions. How much should you expect to spend on home maintenance each year? Should you tackle the projects yourself, or call in a professional? Which projects are worth your time and money in the end? And should you finance it with your credit cards, a home equity line of credit, a personal loan — or save up to pay it all with cash. To get a better idea of what to expect from this new set of costs, let’s take a look at some of the national averages for home improvement. Improvements are a reality of home ownership A survey from Hanley Wood shows that of about 3,000 homeowners and renters,