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When considering budgeting, financial goal setting is one of those rare activities used by the wealthy and successful who are well used to using the tools available for managing their personal finance online. Information is easy to find because of the breadth of social media platforms and their accelerating usage amongst the money wise. Sometimes the issue is not what you know it’s what you do with that knowledge – from Belfast, Ireland to Kuala Lumpur, Malaysia.
Financial Goals can obviously be anything, from short term little goals like saving for a guilty pleasure, through to big goals like becoming debt free, but it can sometimes be a struggle to know what to aim for. Financial goals examples are good places to start when planning personal finance online because they can be copied, emulated or modeled, and since this series is concerned with every aspect of personal finance online, we researched the top financial goals from the wide variety of websites providing insight on personal finance online, and present below the top 5 financial goals examples.
1. Clean Up Credit History
The number one entry in our financial goals examples, is clean up credit history. One of the primary weapons in managing personal finance online is the credit or FICO score. Contrary to myth, there is no single ‘score’ or ‘rating’ -these are different calculations by lenders on the basis of how much profit they can forecast from you. Common ways to clean up a personal finance credit history are to check your report from credit reference agencies, change bank accounts, close unused credit card accounts, detach from people you’ve been linked to in joint borrowings, and ensure you have standard things like a land line and entry on the electoral register. These can all change your profile after 6 months has passed.
2. Create A Workable Budget
The number two entry in our financial goals examples, and one which is particularly relevant to managing personal finance online is to create a workable budget. The central principal in any budget is understanding where all the money goes – specifically, and then making choices and decisions about how to use the available funds – within your means.
there are many personal finance online software tools, budget worksheets, family budget spreadsheets, all available to assist in setting these financial goals.
3. Eliminate Bad Debt
The number three entry in our financial goals examples is to eliminate bad debt. Eliminating bad debt is easy. Pay the minimum on all cards and loans except the most expensive interest rate, to which you allocate as much of the budget as possible. When that card is paid off, transfer all that budget to the next expensive, and so on until they are all gone. Other options include debt management plans, debt counselling services, or insolvency remedies like bankruptcy of voluntary agreements. The hardest action in eliminating bad debt is taking action to start, the rest is pretty straightforward
4. Create An Automated Savings Fund
The number four entry in our financial goals examples is an essential part of personal finance budgets, for either a rainy day, an emergency or some future purchases. Sometimes called income smoothing, it involves paying yourself first out of money coming in, before paying the expenses and bills. Simply divert a sum the same day the paycheck clears at the bank – you’ll never notice it gone, and build up your reserves. You can keep track of how it is building by including it within the budget section of a personal finance online tool, or personal finance budget software.
5.Start A Business
The final and possibly most lucrative of our financial goals examples is to start a business. This is easier than it sounds and can be done even if you are in a full time job. It is really easy to start an online business, create knowledge products and sell them online. All this secondary income has huge tax advantages, and if you want to get serious about it full time there are plenty of coaches, like me, who have done it and can help.

Financial experts agree that finance personal software can help you reduce “financial stress”. Money budgeting helps you keep track of your expenses and income, plan wise money-saving strategies, gives you control over your money, peace of mind, and saves you time.
These budget software reviews provide information to help you decide which personal accounting software is better for your needs.
Mvelopes – uses an envelope budget system where you save part of your income periodically (by-weekly or monthly) to pay future bills and stay within your budget. You create spending categories called “envelopes” which you set up for your various expenses. Mvelopes focuses more on budgeting your money than most other finance personal software programs.
Their application is website-based, so you don’t need to download any personal accounting software on your computer. This allows you to share software budgeting with another person, such as your spouse and this also causes less tech support problems. This envelope system includes features such as FREE online bill pay service, automatic monthly income allocation to your spending accounts, and links to more than 14 thousand financial institutions.
Summary: Mvelopes is particularly useful for people who travel frequently and want web access to their financial planning. Disadvantages: There is only one savings category, it has quarterly and yearly fees, and is more elaborate than other finance personal software systems, so it takes longer to learn.
You Need A Budget – By using their four sound financial principles, you’ll never find yourself in financial trouble. Their finance personal software is user-friendly and allows you to import information from your bank, set up repeating expenses, offers unlimited user-defined categories, charts, and other reports. A great advantage is their automation, so you don’t need to repeat data entry.
Setting up YNAB finance personal software is fast and easy and they offer great support such as online tutorials, a wiki, user forum, online user manual, a FAQ section, and FREE online coaching through webinars. After you set up your starting budget, you can easily import information from your banks, schedule payments and tasks, create charts, and other reports to organize your finances.
Summary: YNAB comes with 5 bonus spreadsheets, auto-suggest budgeting and The YNAB Way eBook FREE. Disadvantages: Currently is not available for Macs, though you can run it on an emulator.
Quicken Deluxe – combines data from your bank account, investments, and monthly bills into a single database so you can better organize your software budgeting. This finance personal software includes many solid tools to help you create your monthly budget, pay your debts, allocate regular savings, manage your investments and plan your retirement.
Their finance personal software is very good for tracking and analyzing your expenses and this is a big help at tax time. It provides you with comprehensive, searchable help topics even with no Internet connection. Quicken Deluxe offers access to most major banks so you can download your statements automatically online. You can set up automatic data downloads at a specific time each day; however you must close it to run scheduled updates.
Summary: Your impression of Quicken Deluxe finance personal software will depend on the compatibility between your bank (and other financial institutions) system, and Quicken’s data access. Disadvantages: It has reported software bugs, no portfolio analysis, expensive phone support, and doesn’t open during downloads.

Too often people seem to assume that just because they have been through a foreclosure that buying another house in the future is an impossible dream. This is not a good attitude and I have seen many many examples where people have gone on to successfully obtain mortgage loans and fulfill their home of buying back into real estate.
In this article I will give you some of the valuable lessons I have learned that will help you get another mortgage after your foreclosure. If you have recently lost your home then hopefully this will be a good article you can learn form.
A great starting point to getting a back your home to start tracking both your income and expenditure. To do this you need to start writing down every dime that comes in and out of your life. For every item try to classify each spend into categories such as: eating out, socializing, groceries, utility bills, rent, clothes, gadgets, loan repayments etc
After a couple of weeks sit down and work out what you spend on each category each week. You will almost certainly be able to identify areas where you can reduce your expenditure. Common items are cigarettes, coffee, bagels etc. Work out how much you spend on each of these per year and you will most likely fall of your chair in surprise.
Improving your credit to such an extent is simply about changing your habits. Start spending on essentials or things you really want, don’t waste your money, pay back your bills first before deciding if you can afford that meal out.
Perhaps the biggest lesson of all I can offer to people that currently have bad credit is that you must not delay. Repairing and fixing your credit will not happen over night but if you do a little every day  it will not be long until you start to see real improvements and you will be closer to your dream of buying another home.

I have been singing since I can remember. My family was heavily involved in our local church, so I grew up in children’s choir. As I got older, I became the worship leader, which is something I still enjoy to this day. I knew I wanted to make music my career, so I did some homework to see how to make this happen. When I came across an article explaining how to buy music plays for Spotify or Soundcloud, I knew that I was going to do that myself. I use Spotify every day, so it just blew my mind that I could be one of the featured artists on there for other people.

Of course, it does not work exactly like that. I was able to find a company that had several different packages available to get my songs played on Spotify. The nice thing about this is that the prices of these packages are so affordable that I was able to afford the premium package without any problem. What I liked is that it guarantees me a certain number of plays on the music platform, so I naturally wanted the premium package since it would be played thousands of times on it.

The entire process was easy, and I knew that my career was going to change as soon as I made that decision. I am going to continue to be a worship leader because that is where my heart is, but now I can have a music ministry that is going to go outside the walls of my church because of this. Spotify is one of the most popular music apps, and my music is going to be available on there. This is going to open up doors for me that would have otherwise not even been available!

Even if you have no credit history you can still get a competitive mortgage loan from most of the major lenders. Although it may not be exactly the same type of loan as those available to people with a higher score. Many people are having a tougher time than ever when it comes to being approved for a loan, but the good news is that no credit score mortgages are available.
When you are looking for your loan provider you should take time to carefully do your research. Without a credit history you may not be eligible for loans that come with the best terms, there are many mortgage lenders out there that cater for people who are in exactly your situation – so talk to as many different loan officers as possible to find someone that can help you.
When you do find a mortgage lender they will calculate the risk you pose to them. This will take into account your credit score as well as the amount you earn and other assets/debts. Without a credit score, you will be classified as a slightly higher risk to the lender. This means that you probably won’t be offered the best interest rates and you may also be required to make a large down payment as well take out a mortgage insurance policy.
Whilst it may seem as though many options are closed off to you, there are a number of ways you can be approved for a no credit score mortgage. All it takes is a little time and research to find the best lender who will take your application. This way you can ensure you are getting the best deal for your situation!

Aside from the exceedingly rising costs of paying for a higher education, books, housing, food, and everything else that comes along with going away to college, many students feel the need to obtain their own transportation as well. While many students live on campus, not all do. Deepening the pressures of their studies, many also take on part time jobs to help with their expenses making it even more necessary for them to have their own reliable transportation to get them from place to place in a timely manner. But how likely are they to be approved for a loan when they have no credit? Believe it or not, very likely. Many lenders offer special auto loans specifically for college students that include several distinctive advantages spelled out to help a student with their needs and to build their credit rating.
Being that most students are young and have not yet had a chance to establish a credit rating, most have none. Many lenders realize this and are willing to take a chance on students whom are working hard to improve themselves and their education. By doing so the lenders are also willing to lower the standard approval requirements making it much easier for students to acquire necessary loans. Most are even willing to approve applicants that may seem risky in order for them to prove themselves worthy.
Knowing the demands of the average student, these loans often also come with a much lower interest rate and as well as have lower monthly payments throughout the life of the loan. This makes it much easier for students to keep up with their loan and more difficult for them to default on their loan further on down the road. In many cases, lenders may even be willing to lessen or disqualify other terms included in most other loans too.
Since the costs of a college education rises every year and most every student these days needs to have a student loan in order to further their education, lenders realize that requiring a large down payment is not necessarily a viable option. Typically the more risk a lender takes on, the higher the interest rate, making this yet another example of the flexibility lenders are willing to give to students. In some special cases or during limited promotions, some may even remove the down payment requirement all together.
Another advantage is the lack of a needed co-signer. Typically without a good credit rating, a co-signer is a must. Again, with college students, this is often not required. This is very good since finding someone willing to put their credit rating on the line is often times slim to none.