Sticking to a personal budget is always tough. While it is an effective way to start saving for future purchases or unexpected expenses, it often means denying yourself things that you would otherwise buy without a second thought. For this reason, many people avoid budgeting for fear that the sacrifices involved in the long, painful […]

If you have been considering an offer from a credit card company that promotes low interest rates on balance transfers, there are two things you need to understand. First – Yes a balance transfer can work well for you as a means of eliminating debt effectively. Second –You should have a plan in place before […]

A recent survey conducted by Price Waterhouse Coopers (PWC) asked hospitals what was the most important thing for them to do in 2010. The number one response was to cut costs. As soon as my mind saw that, one word immediately popped into my head: “Still?” Many people believe hospitals are making money hand over […]