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Personal Finance

Liberty Personal Finance Articles


Are Two Incomes Better Than One? 

Are Two Incomes Better Than One?

Article Description:

As life presents us with changing challenges and opportunities, the idea of the “traditional” American family has also changed. The dual income family, with husband and wife each managing separate careers and contributing to the financial success of the household, has become commonplace. Nowadays, economic commitments and expectations often require two incomes to meet the overall expenses of the family. The biggest question is often “How will we save for our children’s education, plan for our own retirement, and, perhaps, help our aging parents deal with some of their financial burdens?”

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Be a Winner in the Savings “Game” 

Be a Winner in the Savings “Game”

Article Description:

Like dieting, curbing your expenses only works if there is a long-term commitment. However, human nature leads many of us to become frustrated when we can’t immediately have the things we need or want. As a result, the best-laid budgeting plans can become ineffective. That’s why adopting a “pay yourself first” attitude can have a positive impact on your long-term budgeting, spending, and saving practices.

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Becoming a Financially Savvy Single Parent 

Becoming a Financially Savvy Single Parent

Article Description:

Raising children without a partner is an enormous challenge—emotionally, physically, and especially financially. Overwhelmed by the work involved in earning a living and caring for children, single parents can sometimes feel they will never be able to break the cycle of living paycheck to paycheck. But even if you have a limited income, you may find that simply managing your money better can alleviate your financial problems and allow you to save for the future.

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Changing Jobs: Fine-Tune Your Financial Plan 

Changing Jobs: Fine-Tune Your Financial Plan

Article Description:

Starting a new job can be exciting. But as you look forward to your new career, consider carefully how you will manage your benefits while transitioning from one employer to another. When you leave a job, your employer-provided benefits generally cease, unless you take action to have them continued. While you may receive benefits from your new employer, they will likely differ from the benefits provided by your previous employer. Before leaving your job, think about your benefits and decide if there are any you want to take with you. If you have accumulated money in a 401(k) or similar retirement account, you will also need to decide how to manage those funds.

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Dealing with Debt 

Dealing with Debt

Article Description:

Most everyone has, at some point in their lives, accumulated personal debt—some more than others. Whether debt is a cause for concern depends upon a number of factors, including how the economy is functioning, your particular earning and economic prospects for the near and long term, and the type of debt you incur. By being conscious of your spending habits, including credit card use and large purchase habits, you can better understand ways to control debt—before it starts to control you.

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Determine Your Financial Staying Power 

Determine Your Financial Staying Power

Article Description:

Some life transitions, such as a career change, are planned. Others, such as job loss or divorce, can be sudden and unexpected. One common thread running through all transitions is the insecurity of wondering whether you will have enough money to maintain your lifestyle. This concern may be exacerbated by not knowing exactly when the transition will be complete. While the goal of finding a new job (in the case of job loss) or landing a first job in a new field (in the case of a career change) is clearly defined, it is the timing of achieving the goal that can cause a great deal of financial anxiety.

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Economic Challenges for Today’s Young Couples 

Economic Challenges for Today’s Young Couples

Article Description:

For today’s young couples, the route to a secure future may look a lot different from the way it once appeared. Their incomes may be less certain compared to previous generations, and the demands on their financial resources may be greater. In addition, rapidly evolving technology will likely require many individuals to change or reposition their careers more than once during their lifetimes. With the future of Social Security in question and many employers no longer offering traditional defined benefit pension plans, employees must now rely heavily on their own savings to provide the bulk of their retirement income.

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Financing a Car 

Financing a Car

Article Description:

Many factors make up the search for the perfect new vehicle, including make, model, color, and price. In addition, the car shopping experience often begins with the question, “Should I buy or should I lease?” Depending on your answer, there may be a substantial difference in what you will get for what you can afford. In addition, if you decide to buy, rather than lease, you have the added consideration of how to arrange financing.

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Guidelines for Keeping Credit in Check 

Guidelines for Keeping Credit in Check

Article Description:

Imagine you are at an auction and an antique lamp you love is about to come on the block. When you viewed the auction items earlier, you placed a value of $100 on the lamp. It is late in the auction, you have planned your bidding carefully, and you have exactly $100 in cash left in your pocket.

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