Understanding Credit Card Debt

Understanding Credit Card Debt

In the first part of this post, Joys and Woes of Credit Cards, we identified some of the benefits and dangers of these little pieces of plastic, but we deferred discussing three “dangers” to this post: They are the most expensive form of credit Interest calculations are not easily followed The illusion of minimum payments  Before beginning, we’d like to remind you that we genuinely believe credit cards are an important financial innovation. They just

Buying a Home: How Much Can You Afford?

Buying a Home: How Much Can You Afford?

In Part 1 of this post we explored some of the concepts and terms you’ll encounter when taking a mortgage. Once you get past the lingo, here comes the real question: how much house can you afford? In the case of a mortgage it is especially important you consider this question carefully, because unlike other personal loans, which are for relatively short periods, a mortgage spans 20-25 years on average and could be your single largest

Cari$ Rules for Financial Freedom

Cari$ Rules for Financial Freedom

Advice and advisors are plentiful for individuals who have surplus funds—at least in the low hundreds of thousands of dollars—to invest. But it is easy to forget that the majority of the working population would not consider themselves “rich” or “wealthy”. Instead, the majority earn a normal income, have a small or limited savings pool, and face normal money challenges and choices in order to grow their savings. At CariDollarsAndSense, we focus on helping the

Joys and Woes of Credit Cards

Joys and Woes of Credit Cards

In an earlier post directed to Young Earners, we described a credit card as a little piece of plastic that is a powerful financial product, but which appears deceptively simple. They are ubiquitous; and we love them; and we hate them. Improperly used, they can break, no, decimate your finances. In this two-part post, we discuss the good and bad things about credit cards, and we hope by the end, you’ll understand how to avoid

Couples Finances: Long-term Relationships

Couples Finances: Long-term Relationships

Courting someone you are attracted to is one of the best experiences life has to offer. While you are getting to know your companion, romanticism is the priority, and the time is emotionally charged. One of the reasons why it’s so great is real life does not have to intervene for a while. But once you decide to commit to a long-term relationship, the practical aspects of life take on greater importance, money being one of biggies.

Regrets Young Earners Should Avoid

Regrets Young Earners Should Avoid

When we look back to our twenties, or compare notes with others about their twenties, of course certain regrets pop up. Some of them are just things you wished you could have done if you had the opportunity and others are just mistakes you should have avoided. Sometimes the best legacy we can leave the generation now entering the working world is to let them know what mistakes we made so they can try to avoid. Naturally, we’ll

Save Money by Cooking

Save Money by Cooking

This has to be one of the easiest ways to reduce expenses: buy less food and cook more. Just to be clear, we are not suggesting you should never buy food or eat out; all we are saying is you’ll save a lot of money if it was a once-a-week exception rather than the everyday default option. Post Contents1 Why buy?1.1 Cooking takes too long1.2 Don’t know how1.3 Laziness2 Cost of buying vs making2.1 Bottom line2.2 Ready-to-cook foods3

Resume Don’ts

Resume Don’ts

Over time, we reviewed a lot of resumes, and honestly, we have felt a range of emotions about them, from frustration when someone does not even bother to make a decent attempt, to amusement at some odd choices, to helplessness when you see someone with potential but they just can’t bring it across on paper. Finally, through this website, we have a chance to offer assistance to those who are truly interested in preparing a proper

Page 5 of 812345678
We help you to achieve financial peace of mind