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Spruce Up Your Finances

Financial tips to keep more of your hard-earned money

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Featured Article

Why You Should Fight For Every Percent You Can Get on Your Finances

By Ken

1%, it seems so little and potentially, a regular person may think that it is very immaterial. However, when you apply it to your finances, this one percent makes a big difference!! The Effect on Your Savings Have you ever heard of the Rule of 72? It is a simple estimation to determine the number of years your money would double given a certain rate of return. The concept … [Read more...] about Why You Should Fight For Every Percent You Can Get on Your Finances

7 Mistakes People Make Just To Get A Huge Tax Refund

By ces

In general, tax deduction should be the secondary reason not the primary reason for your spending. In other words, do not overspend for the sole purpose of claiming the expense as a deduction in order to get more refund during tax time!! Spending just to claim a tax deduction is like spending $1 to get 30 cents back, assuming that your federal and state tax rate is 30%. If I … [Read more...] about 7 Mistakes People Make Just To Get A Huge Tax Refund

How Your FICO Score Impacts Your Purchasing Power

By Ken

I remember the very first time I bought a brand new car for more than a decade ago. I was still a student then and have very little knowledge of personal finance. In addition, I did not clearly understand how this FICO score works. I did not have an excellent FICO score back then, only good, but I was just really surprised when the car sales agent ran the numbers and showed me … [Read more...] about How Your FICO Score Impacts Your Purchasing Power

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