Eldon Charlie

Being a financial expert is not needed to control your personal finances. All it takes to preserve and even expand your financial assets are a little good fiscal advice and a touch of common sense.

Remember that you are entrusting your future to the broker you select, so do your homework before you make your final choice. They should be honest and upfront with you, and you should check that they have glowing references. Your experience is also a major consideration.

Make solid plans for keeping your personal finances orderly for your future. The use of a plan will provide motivation, as well a logical reason to put money in certain places, rather than following your impulses at random times.

If you or your spouse have less than perfect credit, the partner with the healthier credit score should apply for any loans you need. Try to improve your own credit by never carrying a balance on at least one of your cards. After you have achieved a solid credit score, you will be in line for the loans that you need in the future.

Instead of using a single maxed-out credit card, aim to use two or even more cards. When you're paying towards two separate payments, your interest payments won't be as high as they would if you were paying off a credit card that's been maxed out. In most cases, this won't do much damage to your credit scores, and, if you manage your cards wisely, it may even help you improve the state of your credit.

If you invested or saved the $25 that many people spend weekly on lottery tickets, you would definitely have more money. This would guarantee an increase of money over time, as opposed to throwing money away.

Ask around, and see if any friends or family have a background in a financial area. They might be able to help you learn to manage your finances. If one doesn't know anyone who works in the financial sector, a family member who manages their own money well could be helpful.

It is natural to make mistakes and bad decisions. You might be able to get the fee for bouncing a check waived. This most likely will only work if you otherwise have a good banking history, and this only typically works one time.

Try out the local store brand in grocery shopping instead of a large well known brand. Many of the costs of national brands go towards their advertising costs. You will find many quality products not advertised on TV if you shop around. There is rarely a difference in h