Home / Credit¢ents Blog

Creditcents: Credit and Personal Finance Blog from Creditnet.com

How Expensive is Your City?

Many individuals today are struggling with high expenses and may be having trouble making ends meet. For some, it is a regular battle each month to find funds available to pay all of the bills that pile up in a mailbox. Others may be falling farther behind each month because their spending exceeds their take-home income. If you can relate to these financial challenges, it may have crossed your mind that your city may simply be too expensive for you to live in. 

They Know What You’ve Been Buying: How Insurance Gets Your Spending Data

As news reports started coming out last year that insurers and healthcare providers were tracking and analyzing individual's spending data, a lot of people were immensely shocked. This personal data is accumulated from various sources, oftentimes without prior knowledge or permission. Knowing that our personal spending behaviors are used to assess health concerns, risks, and more seems invasive and intrusive in our freedom and rights to privacy. The truth is that some privacy laws will protect us, but our information is out there.

Financial Advice in the Dating World: Who Pays?

Throughout human history, men have provided for the women. This trend is evident in all records of ancient hunting-gathering societies, so it is not likely to be circumvented any time soon. In evolutionary terms, the top indicator of being an alpha male has always been an ability to support and shelter women. And in more recent times, men have earned higher wages so as to “provide” for the family. In general, this is why men are expected to cover first date expenses.

5 Ways You Can Save this Valentine's Day

As Valentine's Day quickly approaches, it's a good time to start planning your night so that you can be one of the people saving money when all is said and done. Failure to plan out your night in advance can cost you big. You'll likely have to pay more to get flowers, you won't have the best selection of affordable restaurants and you might find yourself paying extra to get your special someone the gift she wants.

Do Your Emotions Regulate Your Money?

What makes a shopper decide to buy one shirt over the other or a box of chocolates in addition to the fresh produce they planned to buy? Cravings and desires all stem from one thing: emotions. Emotions are defined as a 'natural instinctive state of mind deriving from one's circumstances, mood or relationships with other people.' Common emotions include fear, anger, sadness, joy, trust, surprise and anticipation. Each of these can affect the way you manage your money.

4 Reasons to File Your Taxes Now

When tax time comes calling, you have the option of putting things off. You can procrastinate, treating your taxes like a paper from your high school days. Many financial experts, though, will tell you that this is precisely the wrong thing to do. There are many reasons why it makes good sense to file your taxes right now. From avoiding penalties to freeing up some of your mental energy for more important tasks, the benefits of filing now are many.

Will the US Dollar Equal the Euro in the Near Future?

The American economy is rebounding quickly from the recession, while the currencies of many other countries remain stagnant. This can be seen in the relative value of different currencies. While the Euro and other currencies are not bouncing back, the US dollar is stronger than ever. In fact, there is speculation from top names such as Goldman Sachs and other top firms that the dollar may soon be equal in value to the Euro.

How Much Is Your New Year’s Resolution Costing You?

Every year once the bills start coming in, the New Year's resolutions to save money, put money away for retirement and/or pay down your debt start to fall by the wayside. New bills, unexpected expenses and temptations are everywhere. Yes, you may want to "throw in the towel" and break your New Year's resolution. You may even be asking yourself why you made the resolution in the first place. The very first thing you should do before deciding to break your resolution is to ask yourself the following questions.

Money Mistakes You Don’t Want to Make in 2015

It is tradition for many people to view the start of a new year as a time to reset their goals in life. Often called resolutions, these goals usually involve personal health and fitness, work related issues, and financial goals. 
Financial goals are often hard to attain if they are not approached in the right manner. Just setting a goal to “get out of debt in 2015,” or “save for retirement” is not enough. It is important to know what to do, and what not to do, to achieve these financial goals.

How to Organize Your Finances for the New Year

A new year is imminent, and well-planned individuals are now considering their new year’s resolutions for 2015. All over the country, consumers will quickly be signing up for gym memberships, purchasing self-help books and swearing off their wicked behaviors.


Home / Credit¢ents Blog