Home Home | news | Finance | Give Financial Peace Of Mind This Valentines Day
 Menu

 Top Main Categories

  Builders   (29581 Hits)

  Car   (25836 Hits)

  Main   (22085 Hits)

  Automation Systems & Equipment   (17120 Hits)

  Cable & Wire Equipment   (16967 Hits)

  Accounting   (12258 Hits)

  Advertising   (11740 Hits)

  Agricultural   (10915 Hits)

  Boats   (10825 Hits)

  Amusement   (10628 Hits)


 Recent Listings

  All Property Claims Limited - London, London, london.

  Get an Insurance quote, agree your claim and complete all repairs in one amazing free service.


  (09-21-2018)

  Tantric Massage London (UK) - London, London, Bloomsbury.

  "Tantric Massage London (UK) a peak of erotic bliss right at your door! Treat yourself with L

  (09-21-2018)

  Surrey Lofts - South East, Surrey, Walton On Thames.

  We offer the very best loft conversion service in Surrey with a huge amount of experience and happy

  (09-08-2018)

  Builder Directory Manchester - North West, Manchester, Manchester.

  Advertise your local building company or supply business here.
Local builder, trusted builders, r


  (09-08-2018)

  Daniel Adams Removals - South East, Buckinghamshire, Milton Keynes.

  Daniel Adams Removals is a professional removals company based in Milton Keynes and offers removal s

  (09-08-2018)


Give Financial Peace Of Mind This Valentines Day
13 2014, 09:13 | your, counseling, credit, savings, account, don, agency, spending, when, make, Nonprofit, into, withholding, Use, through, percent, every, locations
Valentines Day rolls around each year on February 14, regardless of the economic conditions. This obvious lack of sensitivity on the part of Cupid, the mythical god of love, leaves many wondering how to show their affection without breaking the bank. Love is in the air, but nothing breaks Cupids bow like an argument over money. If you find yourself in financial distress, perhaps the best gift this Valentines Day is not to spend money on a token of your affection, but to provide your loved one with something thats not on sale at the stores: a sense of financial peace of mind, said Melinda Opperman, Springboards senior vice president of community outreach and industry relations. This type of financial peace is not based on the size of your bank account. instead, it is understanding that regardless of the circumstances, the money is being handled responsibly. Court records show that financial stress is one of the main causes of divorce. Taking action now could prevent disasters later. Springboard suggests putting the following actions in place, which will provide both you and your loved one with a better sense of financial stability, even in the hard times. Get financially organized. This sends a calming signal to your loved one that youre on top of things. and, since its tax season, this is the perfect time to shred what you dont need and file what you do. Be realistic about the financial situation youre in. If youve lost your job, its irresponsible to continue spending as you did when employed. Learn to live within your means, and dont finance your lifestyle through credit. Track your spending. when every penny counts, its important to count every penny. doing so will send the signal that you have control over your money, something that mindless spending will never accomplish. Create a personal cash-flow chart. using a standard calendar, list all paydays and anticipated amount of the paycheck. next, list which bills are to be paid out of each check. This eliminates the last-minute scrambling to meet payment due dates, and avoids costly overlimit and overdraft fees. Find a way to save money. a financial safety net in the form of a savings account is a calming factor when unexpected expenses occur. Its a comfort to know youre prepared. Start by having 10 percent of each paycheck automatically deposited into a savings account as soon as you receive your pay. Vow to not touch it except for true emergencies. Bank any bonuses or windfall money. you wont miss what you never had. Use this money to start or bulk up your savings account. Review the withholding allowances from your paycheck. In recent years, millions of people have received an income tax refund of over $2,000. Often, these are the very same people who struggle to make ends meet each month, and could have used an extra $200 in their paycheck. go to http://www.irs.gov and type in the words withholding calculator into the search box. In a matter of minutes youll see the appropriate number of withholding allowances for your situation. then, adjust your W4 accordingly. If you get an income tax refund, use it wisely. Catch up on any past due bills, make needed repairs to the house or car, put 10 percent into your savings account, and then splurge on something special for your family that is under $100. Make the most of your money. o Dont use an ATM if it charges you a fee. Find the locations of ATMs within your network that dont charge a foreign ATM fee. o Buy generic groceries which are estimated to be 27 percent cheaper than their name-brand counterparts, and are often made by the same company. o Make sure youve taken advantage of every tax credit and/or deduction available to you. o Dont apply for a Tax Refund Anticipation Loan. the fees and interest associated with these loans are very high. instead, file an electronic tax return and you will receive ALL the money you are entitled to via direct deposit in about 10 days. o Utilize any savings plans at work. If your company offers a Flexible Spending Account (FSA), but youve never bothered to investigate it, nows the time. Taking advantage of the savings allowed by earmarking expenses to be paid through an FSA can result in real savings. Actions speak louder than words, and when your loved one sees you putting the above steps in place, he or she will know how much you care about them. This is definitely a gift you can afford to give, continued Opperman. If you need help putting your financial life in order, reach out to a trained and certified credit counselor. Call Springboard toll-free at 800-449-9818, or go online to http://www.credit.org. About Springboard Nonprofit Consumer Credit Management SPRINGBOARD Nonprofit Consumer Credit Management is a 501(c)(3) nonprofit personal financial education and counseling organization founded in 1974. Springboard is a HUD-approved housing counseling agency and a member of the National Foundation for Credit Counseling, a national organization of nonprofit credit counseling agencies, and a member of the Association of Independent Credit Counseling Agencies. the agency offers personal financial education and assistance with credit counseling, housing counseling, debt and money management through educational programs and confidential counseling. Springboard is accredited by the Council on Accreditation, signifying the highest standards for agency governance, fiscal integrity, counselor certification and service delivery policies. the agency provides pre-bankruptcy counseling and debtor education as mandated by the bankruptcy reform law. the agency offers nationwide phone counseling services and has locations in California, Arizona, Nevada, new Mexico and Texas for in-person counseling sessions. not all types of counseling are available in-person at all locations, please call for details. For more information on Springboard, call 800-449-9818 or visit their web site at
Related news:
» Retirement takes planning
For many consumers the economic recovery isnt so much crawling as stalling, but now is a good time ...
» Credit Score Scale: What is a Good Credit Score?
Welcome! If this is your first time visiting, check out the story behind this blog. So you wont ...
» Conspiracy Theories About Premium Bonds
As with most things that are concerned with the government, conspiracy theories are generated to ...
» Will a bank finance a car that has over 100,000 miles on it?
Here's the deal i want to trade in my car which is worth only about $1,500 and finance a used a car ...
» Your Credit Score Matters More Than You Think
In many of my recent columns Ive been writing a lot about credit reports and credit scores. Most ...


Link to:
Add to Blog »
: Finance | 799 | »


You can login using the proposed social services to add a comment.
Comments from authorized users are added to the directory without checking administrator.


You can log in using: Yandex Google Mail.ru Twitter Loginza MyOpenID OpenID WebMoney
Your name: *  
Your email (optional):     
Review: *  
  characters left.
: *  
 Top Listings

  Overseas Express Ltd. - Chaudhry Hukam Dad - Director 0121-328-3907 - Unknown, West Midlands, Birmingham.

  Overseas Express Ltd. - Holiday & Travel Agencies - 178 Alum Rock Road

  (3344 Hits since0-0-22.10.2012)

  GlassHouse Technologies (UK) - Mr G Sponner - Director 2077438960 - London, Greater London, London.

  GlassHouse Technologies (UK) - Computer Support & Services - 1 Cornhill

  (82 Hits since0-0-22.10.2012)

  Anglian Home Improvements - Mr R Waldock 01689 898342 - London, Kent, Orpington.

  Anglian Home Improvements - The kind of business activity - Double Glazing Repairs - SIC - 4544 - Ad

  (803 Hits since11-15-2014)

  Bristol Urological Institute - Mrs Liz Wetherell - Manageress 0117-959 5690 - South West, Bristol, Bristol.

  Bristol Urological Institute - Research Organisations - Southmead Road

  (1198 Hits since0-0-22.10.2012)

  St Martins Accessories Ltd - Mr R Avis - Manager 2078369742 - London, Greater London, London.

  St Martins Accessories Ltd - Model Shops - 95 St. Martin`s Lane

  ( Hits since0-0-22.10.2012)


 Products and Services


Criminal Law and Motoring Offences
If you've been accused of committing a criminal act, you need a solicitor who will represent yo ...
0


Right to Buy Claims
Did you buy your house from the council under the Right to Buy scheme? If so, you may be able to cla ...
0


 Updated company

  Greenford Ltd - Mr R Hutton - Director 01865 877 820 - South East, Oxfordshire, Oxford.

  Greenford Ltd
Civil Engineering
Unit 1, London Road
Wheatley
Oxford  OX33 1


  Hamlin Iles & Crago - Chartered Building Surveyors - South East, Surrey, Guildford.

  Hamlin Iles & Crago - Chartered Building Surveyors in London and south east - specialising in pa

  Service Graphics North - 01695 725 486 - North West, Lancashire, Skelmersdale.

   We Change Space As the UK's largest provider of , we have a long and proven track record of pro

  Broughton Pianos - North East, Worcestershire, Belbroughton.

  Broughton Pianos have been trading for over 30 years, and in this time have established themselves a

  Tekfirst - Yorkshire and the Humber, North Yorkshire, Harrogate.

  Tekfirst is a professional full-service digital marketing agency which offers an array of services f


 Featured Listings

  Martin Stephen Shipping Ltd. - Kevin M Burke - Managing Director 0151-236-3752 - Unknown, Merseyside, Liverpool.

  Martin Stephen Shipping Ltd. - Freight Services - 4th Floor Castle Chambers

  MSC Software - Mr Andy Connolly - Manager 2476408620 - West Midlands, West Midlands, Coventry.

  MSC Software - Computer Systems & Software (Development) - M S C House/4 Rye Hill Office Pk

  Mersey Docks & Harbour - Mr Peter Jones - Chief Executive 0151-949 6000 - Unknown, Merseyside, Liverpool.

  Mersey Docks & Harbour - Portspithawala Docks & Harbours - Maritime Centre

  Lawtons Ltd - Mr David Huhges - Managing Director 0151-479 3000 - Unknown, Merseyside, Liverpool.

  Lawtons Ltd - Packaging & Wrapping Equipment & Supplies - 60 Vauxhall Road

  Optima Floor Systems - Mr J O`Hara - Director 0151-280 9383 - Unknown, Merseyside, Liverpool.

  Optima Floor Systems - Flooring Services - Bradewell Street


My Notebook (0) UK Business Directory
This Page Took 0.932 secs To Load, Current Template - "shape", Language - "en".
GZip Compression Disabled, 60 SQL Queries Executed, Took 0.738 secs ( Average 0.012 secs )


CV12FL, ENGLAND, WEST MIDLANDS, COVENTRY,THE MERIDIAN, 4 COPTHALL HOUSE, STATION SQUARE
Business directoryFree xml sitemap generator
+44 (0) 247-699-67-96, +44 (0) 843-532-55-12
http://www.handbook.org.uk/