Helpful financial Tools and Sites

The power of knowledge is great when it comes to your finances. There is so much information available about finances that it can be overwhelming to some. I have found quite a few financial tools and sites that I would like to share with all of you.

My Money:

My money is a government site that shares a lot of helpful financial tools, advice and consumer laws. I have found quite a bit of helpful information about financial scams that I thought was extremely helpful. They share tips on how to report and prevent these scams. They also have advice about basic budgeting, mortgage, loans and much more.

Better Budgeting:

Better budgeting is a site that provides free financial worksheets and tools that we all can use to get our finances in order. They also share money saving tips.

Worksheets:

Budget Tracker Budget Worksheet

Consumer Credit Budget Worksheet

Woman's Divorce Budget Worksheet

Dollar Times Budget Worksheets

My Calculator Financial Calculators

Tools For Money Financial Calculators

These are just a few of the helpful financial tools and sites that I have found. I know there are many more, and I hope you can find the ones that work best for your situation.

You can also read:

7 Great Frugal Living, Saving Money and Penny Pinching Websites

Budget Ideas

As most of you know I do a lot of writing online to make an income. I am pushing to write a lot of article on budgeting and saving money. I have noticed that there are a lot of people that are like me and want to save money wherever they can. I will be posting these articles whenever I get them wrote so they may be able to help you as well.

How to Decorate for Christmas on a Budget

Christmas is a fun time of the year for most people. It is a time for family and friends to get together and celebrate. If you are anything like me you love to decorate. I love to decorate, but I do have to keep my decorating within a budget. These steps can help you decorate for Christmas on a budget.

How to Plan a Wedding on a Budget

You have finally found the person of your dreams, and you are going to make the next step. Marriage! This can be the best day of anyone life, but also the most stressful and costly. There are many ways to save money while planning your wedding. It may take a little more work, but it is worth the savings.

How to Make Money Recycling

Recycling has been something that you hear more and more about. People want to make our world a greener world. Even though that it is being talked about a lot there are still people that are not recycling. If there were more individuals that would think about the incentives there may be more people recycling. You can actually make money recycling, and I have seen a lot of people that do it.

Money Saving Articles

I have been writing a few articles that can help people save money in different ways. These are a few of the articles that I feel are helpful, and I hope they can help you save money:



Saving money is important to us all. We all try to buy items at the best price, but it is hard to remember every price that we see. Making yourself a price book can help you remember all of the prices, and purchase items at the best price you can find. It will give you a reference guide for comparing prices.

Read more: How to Make A Personal Price Book, To Save Money | eHow.com

Clipping coupons can save you a lot of money on groceries, and many other items. One of the major complaints I hear from people is they do not know how to keep them organized. Many people miss the money saving opportunity because they can't organize there coupons in an efficient way. It is actually very easy, and inexpensive to do.

Read more: How to Organize Your Clipped Coupons | eHow.com

Save Money on Groceries

How to Start a Realistic Budget

Save Time and Money Using Coupons

Save Money on Your Utility Bill

Saving Money on School Supplies

Stop Living Paycheck to Paycheck

Receive Free Baby Formula and Coupons

Save Money When Expecting

50 Real Ways to Save Money in your Home

Saving Money Your Spouse Doesn't Know About

Free Samples and Money Saving Coupons

I have been looking for some free samples online, and found a couple. I wanted to share these so hopefully they can help someone else as well. I know these products are small sample sizes, but they can help when they are needed.

Sample Sites:

Head and Shoulders- When you sign up for the site you will get free samples for head and shoulders as well as a few coupons and samples of other products from Proctor and Gamble.

Colgate-This link will take you to the page to get great money saving offers from Colgate as well as other products.

Garnier-Coupons for Garnier products

Playtex Sport- Receive a free sample of Playtex Sport

This is just a few samples I found tonight. When I find more I will share them with you all.

Emergency Fund

An emergency fund is important to everyone. No matter if you are single or married, and have children or not. There will be times in your life when things come up that require money. It makes live much easier if you have those funds available to you without going into debt. Everyone can have an emergency fund no matter how much money you make. This is just a fund to use for those cases you are not ready for.

Read the rest of the article HERE!

Surprises in Life With Finances and Everything Else

We tend to plan on things happening in or lives. Most of these plans have something to do with finances. You may want to travel, retire early, have a nicer car, or a bigger home. Almost everything that we do in life has something to do with money and finances. So what do we do when we have surprises?

These surprises can be anything; bills, divorce, children, losing a job or a number of different things. Life does not always go how we plan. Even if things are going the way we want anything could pop up.

I have been going through this recently. I have separated from my husband, and life seems to be up in the air at the moment. The first few days were the worse. My husband paid for everything, I did not work because of some difficulties. I kept asking myself what I could do. I still do not have things completely planned out, but I am working on it every day.

So What Can We Do With Surprises?

The first thing that I told myself is that everything is going to be OK. It may take a while for everything to work out, but in time it will be OK.

Find solutions to your financial and life problems. There are usually some sort of solution to our problems. Life is never as easy as we want it to be, we may have to work hard on those solutions.

If you are unemployed you should find ways to make money. Even if it is a small amount some money coming in is better than no money at all. Do not dismiss any legal income option. I would avoid investing any money if you have no money coming in. Work a regular job, or find things you can do around your neighborhood to earn a little money.

Make a plan for getting through your financial and life problems. When you are going through hard times you usually feel like it is the end, but it does not have to be. Find things that you can do to plan out how you want to get through the hard times. Having something to focus on will help you push through the hard times, and focus on the future.

Life can be filled with surprises with your finances and every aspect of you life. How you deal with those problems will help you get through everything and discover how you can improve your life. Remember to never give up. Life is what we make of it, no matter how hard it is.

Example:

Last week I discovered my husband was seeing someone, I moved out of my apartment with only my moms help, I have no money put away because I am not working, then my sister was put on life support. I have no income and have to live at my sisters in a small room. I do not think I have ever had such a hard time in such a short period. I could give up, but I won't do that. I am sitting here writing this, and focusing on what I need to do next. I am making a plan for my finances. Since finances seem to be one of the biggest things I need to focus on other than my sister, I am trying to discover what I need to do next.

We all have hard times in our lives financially, physically, and emotionally. How we deal with those problems shows how strong we can be.

I will be away for a few days

I just wanted to apologize to the readers. I will be unable to do any updates for a few days. I have recently discovered that my husband is leaving, so I have to figure out my life. I am completely devastated about the separation and the fact that I am having to move out of my apartment. I just wanted to let you know that I have not gone anywhere, and I will be back updating on a regular basis within a week or two. Thank you for everything.

The plus side of the situation is that I will be focusing a lot more on my finances, so I will have things to share on a regular basis. Life is hard, but it will all be figured out.