Average Joe’s Money Blog
-Our resident bloggers, AverageJoe and OG, writes what informative and interesting posts at least three days a week.
Monday through Thursday - They bring financial planning news, strategies and tips.
On Fridays Joe shares his choice for the Blog Post of the Week!, where he crowns a blog writer as the winner in his soon-to-be-esteemed competition.
Wouldn’t it be nice to stroll around your living room before work with a donut in one hand and a cup of coffee in the other feeling like the king (or queen) of your castle? The house is yours. Hooray! After years of apartment serfdom, you finally own the place. Well…sort of. There’s that mortgage again, nagging at you. Of course, you should never rush into a big financial decision, and having a mortgage can be a really sensible way of staking your claim on the property ladder. But there’s no better way to feel like you own the place than,...read more
Cleaning products can be quite expensive. You are mostly paying for the brand name and the convenience of the item. There are quite a few things you can do to reduce these costs significantly. Essentially, you can spend less than $5 per month to make your own cleaning products or purchase the at dollar stores. Cleaning rags and sponges can also be washed or put in the dishwasher for reuse. Use a Bagless Vacuum Rather than having to purchase vacuum cleaner bags, use a bagless option. All you have to do with these is clean the filters and...read more
With the economy on the rise, many people are tired of surviving by just making ends meet and are ready to start living with a great paying job. Whether you’re just starting out and want to live large or you’re ready for a career change, it’s exciting to know that there are great paying jobs available with or without a degree. Here are 5 rewarding careers that would make Mom proud. Image via Flickr by gtalon 1. Police Officer Requirements to become a police officer vary depending upon jurisdiction. Generally, you can expect to need the...read more
Many Australians are finding that investment property is a great way to become financially independent, and they weren’t wealthy when they started to invest. That’s because it is possible for people from all walks of life to purchase investment property in today’s market. Begin to Think Differently You may think that you can’t afford to invest because you are looking for properties outside of your price range. To find properties you can afford, stop looking in the more expensive areas. Instead, concentrate on houses in a lower price range. In...read more
With car payments, home loans, student loans and household expenses, it’s easy to snowball into debt. You may be overwhelmed by the amount of debt that has accumulated, but the debt snowball method may be a great first step toward financial freedom. Snowballing 101 The debt snowball method pays off your smallest debts first and, once those are paid off, you move on to the larger debts. Start off by listing your debts in order from smallest to largest. You will attack the smallest debt first. While finishing off the smallest debt, you...read more
It is said of legal affairs: one who represents one’s self has a fool for a client. A similar sentiment is often expressed about matters of health. This runs counter to the do-it-yourself, uber-independent facade of the stereotypical American. We like to think that we can do anything ourselves, as if performing difficult tasks without assistance is some sort of virtue. Perhaps this explains why so many men, (and from my observation, women) have such a difficult time pulling over and asking for directions despite the fact that they are...read more
Payday loans often lead consumers to massive financial debt and even more budget problems. There are ways to get out from under an online payday loan. Keep in mind that some are not traditional and may not be the right way to really go about things, but the process actually works. It is also important to understand why people get payday loans. One of the best things to do is discuss your financial inability to repay all at one time and attempt to get an extension. Loan Facility Not Licensed in your State Now, it is important to read the fine...read more
Thinking about getting a new vehicle? American car companies are eager to make deals following the recession, which saw sales drop and the age of the average car on US roads rise to 11.4 years according to Edmonds. com. But overall car sales have recovered, according to Zacks.com, up 8 percent from 2012 to 2013. Financing requirements have eased as well. If you feel ready to update your ’04 ride for a ’14 or ’15, this is probably as good a time to do it. The sales force is certainly ready for you, so it’s best you...read more
Most people equate being busy with being industrious. “If you have something that needs to get done,” the old axiom goes, “assign it to someone who’s busy.” People love to boast about how busy they are, but busy-ness and productivity don’t always go together. Psychologists also say that idleness is one of the main reasons people are unhappy. However, even though Americans are busier than ever before, only only one in three describes him or herself as “very happy.” Many factors including technology, social networks and consumerism drive people...read more
The pace of telephone technology amazes me. Only 30 years ago you were the exception if you carried a “cell phone.” Now you can do pretty much anything on your phone. You can check the weather, do your grocery shopping online, have a business meeting seeing your client’s face on video without having to travel eight time zones, and even dictate a text so the phone writes it for you when it gets too complicated to thumb it. The pace of change has been fast and has dramatically changed how we use technology. Well guess what? I’ve...read more