The Best Free Online Personal Finance Tools

Proper financial management – most coveted by millions and millions of consumers all over the globe. Faced with this tough economy, it is harder than ever to handle your finances well. But the great news is that establishing a solid financial plan for your future has become more affordable and attainable. There are a lot of online personal finance tools that are offered to individuals for free to help them manage their finances better. These are effective instruments to become financially stable while saving yourself from getting into debt trouble.In today’s modern time, tracking every single detail is quite hard and even more difficult when money is the issue. Thus, getting help from online personal finance tools sounds very beneficial. In addition, these tools come free and very handy. Calculating your cash inflow and outflow can be easily done in the comfort of your home facing the computer.Personal finance is a method of following your finances in a more streamlined manner. Since listing down on a paper every detail of your expenditures does not function well any longer, a personal finance device found online gives a far bigger and better assistance.The following are some of the best online personal finance tools from budgeting to checking one’s credit score that are offered to individuals for free:For Money Budgeting1.) Mint.com·Mint.com is one of the most popular and well-loved free online personal finance tools by the people. With over 8,000 financial company connections worldwide, this online means offers a wide variety of understandable and easy to use tools.·Once you have registered an account, you get 100% access of your whole finances such as your credit cards, grocery bills, loans and other personal expenses.·It offers a very detailed tracking program about everything that goes on with your finances from – the things you spend your money on, how much monthly savings you have as well as your investment’s performance.·Automatic alerts are also given to you through a text message or an e-mail especially when you are on the brink of reaching your card’s credit limit or if you have too little money deposited in your bank account.·In addition to these services, this online tool can also show you budgeting charts and spread sheets that teaches you how to budget in every expense category.2.) Wesabe·Wesabe.com is a website that provides strong financial management instruments while at the same time having that social networking appeal since it offers an active forum for clients who seek support and give encouragement to each other in order to reach their respective monetary goals.·Since it is more hands-on website as compared to Mint, you have the choice of putting your bank or credit card statements on your own. Since this is not done automatically, you safeguard your identity as well as important details such as your account numbers and passwords better.For Financial Planning3.) Buxfer·A more basic and less updated free online personal finance tool found in the web, it is best for people who are looking for fuss-free financial planning instruments.·However, what makes it stand out among other online financial planning device is its user-friendly interface. Buxfer is equipped with a step-by-step how to guide, easy to understand instructions as well as fast account set up.For Investment Tracking4.) Social Picks·SocialPicks.com is a business based online company that focuses more on tracking a person’s investments. It provides an independent service wherein you can easily gain access of your asset’s performance while at the same time allowing you to make comparisons with other investors. Financial advice is also provided to help you market your investment better.For Credit Score Checking5.) CreditKarma.com·Functions just like your credit score bureau company, this website offers you an updated status of your credit score. Also, advice is given on how you can improve your rating as well as tips on how you can repair a rating with glitches.·The only main difference is that you need not give out your credit card details. All you have to type in is your name, address and SSS (Social Security Number).Online personal finance tools are great devices in keeping yourself up to date with your finances current status while at the same time giving you help to make financial planning more effective without the scare of getting scammed.

Last Minute Travel And How To Find The Best Cheap Travel Deals

Sometimes if time is on your side the very best way to travel is Last Minute Travel. You can often find the very best cheap travel deals this way. Often you can find many such deals to even faraway places like Malaysia or Singapore or even some of your other dream locations. In fact more often than none the faraway places offer the best value for money when it is a last minute travel deal.Reasons Why Last minute travel deals are so good include:-

Because someone else has already paid for an expensive travel deal you can reap the rewards and even grab a bargain, because the travel company has already made their monies. The original buyer has canceled, thus the travel company no longer needs to make such a huge profit on the holiday as they have already made these profits from the original buyer. This is one of the ways you can grab great holidays at bargain prices.
You can often also benefit from holidays in 4 or even 5 star resorts, often at 2 star prices
There is also another very good reason why you would choose last minute travel over regular travel and this is because you can often get great travels deals to those far and away dream locations for small monies, that would usually only pay for a short stop holiday.
You can also usually get lots of extras thrown in for no extra monies like free transfers to and from the airports or even extra baggage allowances.
Disadvantages of Last minute travel include:-

You are limited to which hotels and resorts that you stay at due to the holiday usually being someone else’s booking.
Often the prices don’t include hidden costs including airport transfers and extra luggage costs
The dates are usually restrictive, because the holiday was previously booked for someone else’s timetable; these dates are not negotiable because they are the only ones available for the stated price.
Often the prices are based on 2 or 4 people sharing, Depending on how the original buyer booked their holiday will usually dictate on the board basis. Sometimes the prices stated are based on 2 people or even 4 people sharing and sometimes this can even be 6, however in this case they will usually allow the holiday to be split into 2 groups depending on how the accommodation was originally booked in the first place.
Even though Last Minute travel can sometimes be a little restrictive it can often be a very convenient and very cost effective way of traveling, as you can see above there are some very good reasons why people choose to travel at the very last minute, sometimes even booking the same day of travel. So if you are brave enough and you have a flexible holiday schedule at work or school why not try and book a holiday the last minute travel way and save yourself and your family a small fortune.

What Are The Greatest Changes In Shopping In Your Lifetime

What are the greatest changes in shopping in your lifetime? So asked my 9 year old grandson.

As I thought of the question the local Green Grocer came to mind. Because that is what the greatest change in shopping in my lifetime is.

That was the first place to start with the question of what are the greatest changes in shopping in your lifetime.

Our local green grocer was the most important change in shopping in my lifetime. Beside him was our butcher, a hairdresser and a chemist.

Looking back, we were well catered for as we had quite a few in our suburb. And yes, the greatest changes in shopping in my lifetime were with the small family owned businesses.

Entertainment While Shopping Has Changed
Buying butter was an entertainment in itself.
My sister and I often had to go to a favourite family grocer close by. We were always polite as we asked for a pound or two of butter and other small items.

Out came a big block of wet butter wrapped in grease-proof paper. Brought from the back of the shop, placed on a huge counter top and included two grooved pates.

That was a big change in our shopping in my lifetime… you don’t come across butter bashing nowadays.

Our old friendly Mr. Mahon with the moustache, would cut a square of butter. Lift it to another piece of greaseproof paper with his pates. On it went to the weighing scales, a bit sliced off or added here and there.

Our old grocer would then bash it with gusto, turning it over and over. Upside down and sideways it went, so that it had grooves from the pates, splashes going everywhere, including our faces.

My sister and I thought this was great fun and it always cracked us up. We loved it, as we loved Mahon’s, on the corner, our very favourite grocery shop.

Grocery Shopping
Further afield, we often had to go to another of my mother’s favourite, not so local, green grocer’s. Mr. McKessie, ( spelt phonetically) would take our list, gather the groceries and put them all in a big cardboard box.

And because we were good customers he always delivered them to our house free of charge. But he wasn’t nearly as much fun as old Mr. Mahon. Even so, he was a nice man.

All Things Fresh
So there were very many common services such as home deliveries like:

• Farm eggs

• Fresh vegetables

• Cow’s milk

• Freshly baked bread

• Coal for our open fires

Delivery Services
A man used to come to our house a couple of times a week with farm fresh eggs.

Another used to come every day with fresh vegetables, although my father loved growing his own.

Our milk, topped with beautiful cream, was delivered to our doorstep every single morning.

Unbelievably, come think of it now, our bread came to us in a huge van driven by our “bread-man” named Jerry who became a family friend.

My parents always invited Jerry and his wife to their parties, and there were many during the summer months. Kids and adults all thoroughly enjoyed these times. Alcohol was never included, my parents were teetotallers. Lemonade was a treat, with home made sandwiches and cakes.

The coal-man was another who delivered bags of coal for our open fires. I can still see his sooty face under his tweed cap but I can’t remember his name. We knew them all by name but most of them escape me now.

Mr. Higgins, a service man from the Hoover Company always came to our house to replace our old vacuum cleaner with an updated model.

Our insurance company even sent a man to collect the weekly premium.

People then only paid for their shopping with cash. This in itself has been a huge change in shopping in my lifetime.

In some department stores there was a system whereby the money from the cash registers was transported in a small cylinder on a moving wire track to the central office.

Some Of The Bigger Changes
Some of the bigger changes in shopping were the opening of supermarkets.

• Supermarkets replaced many individual smaller grocery shops. Cash and bank cheques have given way to credit and key cards.

• Internet shopping… the latest trend, but in many minds, doing more harm, to book shops.

• Not many written shopping lists, because mobile phones have taken over.

On a more optimistic note, I hear that book shops are popular again after a decline.

Personal Service Has Most Definitely Changed
So, no one really has to leave home, to purchase almost anything, technology makes it so easy to do online.
And we have a much bigger range of products now, to choose from, and credit cards have given us the greatest ease of payment.

We have longer shopping hours, and weekend shopping. But we have lost the personal service that we oldies had taken for granted and also appreciated.

Because of their frenetic lifestyles, I have heard people say they find shopping very stressful, that is grocery shopping. I’m sure it is when you have to dash home and cook dinner after a days work. I often think there has to be a better, less stressful way.

My mother had the best of both worlds, in the services she had at her disposal. With a full time job looking after 9 people, 7 children plus her and my dad, she was very lucky. Lucky too that she did not have 2 jobs.