budget

Modern light bulbs hanging from the ceiling.

3 Best Energy Efficient Light Bulbs: They Will Look Amazing In Your Home

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     According to Energy.gov, by switching to light bulbs and light fixtures that have earned the energy star rating, you could save at least $45 dollars a year.  That’s enough money to purchase yourself a nice little reward for going green:

Not bad for making a simple switch to energy efficient light bulbs right?  

 

How to Make Money in Photography: With or Without a Camera

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There has never been a better time to get into the field of photography.  In the past, you had to buy an expensive camera, take lots of pictures, and then send them via email all over the country to different magazines and other outlets just to have a chance at having them published.  

Times have changed. Drastically. Now with just a reasonably priced camera, you can start making money in photography in just a short period of time.

There are a number of ways to approach photography, but we’ll keep it simple and stick to the most straightforward methods that will help you get started making money in photography today.

 

How To Save Money By Improving Your Credit Score

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While your credit score may reside in the hundreds, the amount of money you will save or lose with that score, will vary by thousands or perhaps even tens of thousands of dollars.

A credit score is often looked at as the gateway number that will decide whether or not you’ll be approved for a credit card or a loan.  That’s true to an extent, but your credit score also plays a major role in your interest rate once you’ve been approved for the loan.  Just a couple percentage points can mean the difference between saving or losing hundreds of dollars a year when you pay on your credit card. 

Now let’s apply that same principal to a car loan or a home loan.  A few percentage points on a home loan can mean tens of thousands of dollars that will either flow in or out of your bank account.  So if you’re looking to save money in the short term and the long term, fixing your credit score is a great place to start.

How to Make Better Financial Decisions

Any advice stated within this article is the author’s personal opinion and is to be taken as a guide to making decisions and should not serve as a substitute for the readers own judgment. This article contains affiliate links – see our policies and procedures

 

Want the key to making better financial decisions?  OK. Sure. Just wait. Just a little bit more. Was that tough?  Well that was only about 2 or 3 seconds. If you want the key to making better financial decisions, you’ll have to wait a little longer than that, and to do that, you will need one of the four keys to making better financial decisions: patience.  

 

No matter if you’re looking to purchase a new home, buy a new car, or just make a major financial decision not stated here, the four keys to making financial decisions will be applicable in all of these situations and more.

 

Try to look at making better financial decisions as a state of mind that can help you be decisive and make the right choices in crucial moments that will have significant impact on your financial future.