November 2014 - Critical Financial

Home Posts made in November, 2014

Where to Find Your Sears Coupons

Posted by James Hendrickson on Nov 6th, 2014 · 0 Comment

Sears deals have been in the spotlight lately because this store often makes their discounts worthy. Regardless of what you are shopping for, their coupons and promo codes can save you anywhere from a hundred to thousand or even more dollars with just one checkout. Not to mention that most items do have an optional free delivery or can be delivered to you with a coupon code. Use Coupons for More than...
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Five Obstacles That Are Keeping You In Debt

Posted by James Hendrickson on Nov 4th, 2014 · 3 Comments

Everyone says “Get out of debt”, as though it’s a simple mechanical effort, and the only thing stopping anyone from doing it is stubbornness. If only that were true! Before you can get out of debt, you first have to identify the reasons why you are in debt. I’ve been able to identify at least five obstacles that are keeping you in debt. It’s commonly believed that irresponsibility is the...
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Here are some simple guidelines that will help you build wealth:

1) Do the math. Get a budget and calculate your net worth

2) Get an emergency fund. Save at least 6 months worth of expenses

3) Limit costs. Spend no more than 30% of your income on housing

4) Max your retirement. Maximize contributions to your tax-deferred retirement accounts

5) Pay yourself first. Set aside money for yourself before you take care of your other bills

6) Set goals. Goal let you get ahead faster

7) Avoid high interest debt. Avoid credit cards, title loans and other usurious loans

8) Diversify. Diversity your assets.

Where to Find Your Sears Coupons

Five Obstacles That Are Keeping You In Debt

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