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Articles By rama charan

First Step Towards Tackling The Problem Budgeting 101   By: rama charan
Many Americans are caught in the cycle of overspending, using credit cards, and, simply put, living paycheck to paycheck without saving any money to secure their future. Reasons for it vary from the “I want it now” culture that we’ve grown up in, to not knowing how to make a budget. No matter what your income, making a realistic budget can help free you from financial worry.(read entire article)
View : 224 Times
Category : Investing / Finance

On The Road To Debt: Signs And Symptoms   By: rama charan
Typically, debt doesn’t just happen overnight. In most cases, it’s the result of consistent bad spending practices. The sooner you recognize these practices, the better off you’ll be. Here are some practices that should raise the red flag:(read entire article)
View : 239 Times
Category : Debt

Extreme Debt Collectors: Know Your Rights   By: rama charan
If you’ve ever been behind in paying your bills and they’ve been turned over to a debt collector, you can relate to how stressful it can be. There are certain things the debt collectors can and cannot do that you should know about.(read entire article)
View : 249 Times
Category : Debt

Money Matters: Being Wise With Your Money   By: rama charan
When you hear the word frugal, it automatically brings up negative connotations and is often mistaken for being cheap. In reality, frugalness is a traditional value where people are careful in the expenditure of money or the use of material resources. In American culture where consumers are constantly bombarded with advertising and pressured to spend, spend, spend, saving money has become a rarity.(read entire article)
View : 196 Times
Category : Investing / Finance

Some Simple Tips To Follow To Make Sure Your Trip To The Atm   By: rama charan
Many consumers rely on the convenience of ATM machines for cash, but safety can be an issue. Here are some simple tips to follow to make sure your trip to the ATM is business as usual. • Be selective—don’t pick an ATM machine that is in a low-traffic or dimly lit area. Find one in a public location.(read entire article)
View : 230 Times
Category : General

Inexpensive Does Not Have To Be Cheap   By: rama charan
Some people assume that to have the best of things, one must spend a lot of money, no matter the cost. Also, others won’t look for sales or shop the clearance shelves because they think there is some kind of flaw with the product. In both cases, they don’t want to buy cheap stuff—they assume that less expensive products are inferior.(read entire article)
View : 201 Times
Category : Investing / Finance

High Car Payments Can Drive You Over The Edge   By: rama charan
Many people in debt counseling can trace the beginning of their debt problems to a new car purchase—too much car, big monthly payment, and financed too long. Some households even have two vehicles with large payments in the $400 to $500 range. “But I got a really great deal” is typically the line of thinking. With the budget maxed out, one can see how this burden can inevitably lead to a financial crisis.(read entire article)
View : 200 Times
Category : Debt

Money Matters: The Price Of Your Vice   By: rama charan
Nicotine, caffeine, & alcohol. These are the three big ticket items that can break your budget, but many people are willing to pay for them no matter the cost. Maybe your personal indulgence isn’t as costly, but whatever your weakness is, sit down and do the math to determine how much you’ve been spending.(read entire article)
View : 179 Times
Category : Investing / Finance

Retirement: Why You Need To Plan Now   By: rama charan
You may not want to, but people of all ages need to start thinking and planning for retirement. What do you want to do with your time and freedom? Travel? Spend more time with family? Volunteer? Being financially prepared can make all the difference in what kind of retirement you will have.(read entire article)
View : 194 Times
Category : Investing / Finance

Retirement: A Lifelong Journey, Investing 101   By: rama charan
The difference between saving and investing is that when you invest, you put money in hoping to get something better back out. Every contribution is a step towards the goal of having the kind of retirement you want. Here are some of the most common choices:(read entire article)
View : 182 Times
Category : Investing / Finance