Let’s face it. We’re not all financial geniuses. Some of us need help in figuring out budgets and sticking to financial plans. One way to get help is to use financial software that helps you with the mathematics, planning and decision making involved in personal financial planning. By getting familiar with the different types of software out there, you can choose the program that is right for you and your needs. 
Hopefully you have a fund containing enough to cover your regular living expenses for at least three months. Such emergency funds have never been more important than now. If you haven’t yet been forced to dip into that account, you’re probably one of those contemplating it after a layoff or as the bills get harder to pay every month. At what point is your situation an emergency? When should you throw in the towel and accept that you need to use some of that emergency money you have been stashing away?
The economy continues to sputter, with the stock market’s highs and lows looking like an EKG readout. It’s easy to become distracted by immediate needs and forget the importance of retirement planning. Many of us have the best of intentions with our retirements plans, but make mistakes that catch up with us when we can least afford it: during retirement. Look at these five pitfalls and be sure you avoid them. 
Even when you are young and in good health, it is important that you have health insurance. But many young adults skip this important financial failsafe because they feel overwhelmed by the prospect of buying insurance coverage. Although it can be difficult to find the plan that is right for your individual situation, it is important that you take the time to do the research and find the right insurance coverage. 
What can you do if you are caught in a car you cannot afford? First, you'll probably end up with an upside down car loan. Longer term loans, like the six-year loan in the example, are appealing to many people because it means a lower payment. Many car buyers believe it’s a way for them to buy more car without breaking the budget. The flip side of longer loans, though, is that while you do have a lower payment, you’re also building less equity. Especially with new cars, where the value drops so quickly after the purchase, the value of the vehicle is dropping faster than the balance due on the car loan, leaving you upside down.
Disney’s Pixar masterpiece, “Up,” released in 2009, is about more than marriage, adventure, and friendship. Beneath the touching storyline, “Up” is also about the ups and downs of financial life. Finances, actually, determine the plot. It is because of financial emergencies that Carl and Ellie, the starring couple, never get to travel to their dream location, Paradise Falls. It took ruthless urbanization and little temper tantrum to propel Carl, along with the naïve and endearing Russell, to the lush greens and blues of Paradise Falls. But perhaps, if Carl and Ellie had chosen a different financial path, the fulfilling of a dream would not have taken so much and been so long. “Up” teaches some vital financial lessons about what it takes to fulfill your dreams.
Appliances will never last forever, but the way that we care for our major appliances has a direct impact on how long the appliances last. Properly caring for appliances is the key to making them last for a very long time. It also helps you to save money on your monthly bills as well as on appliance replacement costs. The following guide for appliance care will have your appliances looking great and running efficiently for many years to come.
Guilt makes you want to slow your spending. Anxiety makes you want to save towards a nest egg. But the process of alleviating these feelings takes so long to show progress, we often feel used and abused before we ever experience relief from our guilt and anxiety. In the beginning of any savings plan, you are likely to feel the same guilt and anxiety that overspending brought you, with the added negative feelings brought on by restricting your spending. So until you can get some positive reinforcement going, it's smart to practice some simple saving tricks that leave you feeling less deprived. Here are 5 painless ways to save that may help you get the ball rolling:
In June 2010, Fannie Mae increased their efforts in spreading a public relations campaign that urged against strategic default and discussed the possible penalties of engaging in a strategic default. Fannie May, or the Federal National Mortgage Association, is a mortgage finance broker owned by the government that stated it would soon start taking legal action against debtors who had chosen to leave behind mortgages despite having the ability to pay them. Fannie Mae also indicated it would change the waiting period for borrowers who wished to receive a new loan after they had experienced a foreclosure from five years to seven years. This policy would affect all borrowers seeking new loans after foreclosures unless borrowers could show to their prospective lender that they had defaulted on their initial loans due to fiscal hardship. Borrowers would also have to had contacted their lenders and sought a workout.
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