So Can We Shop Now?

For almost two years now the world economy has been in a downward spiral. Suddenly everyone wanted to know how to do everything on a budget and what measures they could take to escape unscathed. There are signs that a bit of sunshine may be peeping around the corner and even President Obama was quoted as saying "we may have stepped away from the precipice".

Before you whip out your credit cards for a celebratory shopping spree let us recognize that advice that was solid in the midst of a recession will still be valid post recession although we may be less likely to heed the warnings.

But it's not over yet, so there is still plenty of reason to be cautious. Read on to brush up on some tips on how to recession proof your life.

http://www.helium.com/items/1595221-recession-proof-habits

How to get rich slowly

As they say... slow but steady wins the race. It may be thrilling to suddenly come into a heap of cash, but how often does this happen? And when it does, how long does it last? It can be argued that it is far better to be the tortoise than the hare when it comes to personal finance matters. The tortoise takes the time to think through his decisions and makes intelligent investments while the hare may be quick to rush into get rich quick schemes. Even if the hare does get a lucky break and comes upon a sizable amount of money he is also more likely to have an easy come easy go attitude and may very well end up with less than he had at the start.

For a more in depth analysis of the merits of getting rich slowly check out the article below.

http://www.helium.com/items/1440457-getting-rich-one-dollar-at-a-time

Would you like your marhmallow now or do you want to have two later?

This is the question posed to a group of children and the results are hilarious but they also leave us open to draw some serious conclusions about the concept of delayed gratification and how it affects our personal finances.

Check out the article below for more information...

http://www.helium.com/items/1584831-delayed-gratification-personal-finance

and then watch the video

The Total Cost of Borrowing

With banks advertising make it happen loans and Christmas and Carnival only a few short months away... loan season is approaching. So I thought it would be a good idea to talk about the total cost of borrowing.

You probably think that the cost of borrowing is the interest rate... well it's actually a bit more than that. Have a read and you may find that taking a loan is more expensive than you think.

http://www.helium.com/items/1383845-the-total-cost-of-borrowing-money

Money Saving Strategies

Who doesn't wish they could stash some more cash away for a rainy day? If you feel like you are living paycheck to paycheck and you can't seem to find the leak in your wallet, the following article is just for you.

http://www.helium.com/items/1422590-money-saving-tips

Saving: The Key to Weath

It might seem apparent that inorder to become wealthy we must save, but sometimes it is the most obvious things that escape us. This is not to say that if you were asked the question "So what do you think you need to do to become rich?" you would be stumped. More than likely you would immediately say that you would need to make more money closely followed by the understanding that you would have to avoid spending the money you make for it to accumulate. Yet most of us do not put this into practice.

The following article offers some insight into the importance of saving as a reminder.

http://www.helium.com/items/1367938-importance-of-saving