Budgeting and saving

Using a 529 Plan To Save For College

A 529 plan is a savings plan that is used to save money for college which offers certain tax and financial aid benefits. 529 plans are quite versatile and they can be used for other things too, such as K-12 tuition bills. The Types of 529 Plans There are a couple of different types of […]

Written by prositesfinancial • Sep 3 • 4 minute read

Credit Card Negotiation Options and Risks

Credit card debt is one of the most pervasive financial issues faced by Americans, with the average credit card balance as of 2016 being $5,551. If paying off your credit card debt is proving to be a substantial challenge, or worse is making it difficult to pay critical household expenses such as groceries, rent, medical […]

Written by prositesfinancial • Apr 17 • 4 minute read

Why Dave Ramsey Might Just Be Right About Using Only Cash

The truth is, most of us just don’t have the self-discipline necessary to use credit cards responsibly. We live in an advertisement saturated consumer society that encourages us to spend, spend, spend at every possible opportunity, and everywhere we go. As a result, most Americans are up to their eyeballs in debt with the national […]

Written by prositesfinancial • Jan 7 • 4 minute read

Top 10 Easy Ways To Save Money Today

Many of us feel like we can never seem to make enough money to make ends meet. It might be drowning in credit card bills or trying to make a student loan payment, but there’s always a reason why we don’t have enough money. While it would be ideal to make more money at your […]

Written by prositesfinancial • Jan 7 • 4 minute read

Key Tips About Student Loan Debt

Overall, the need for student loan debt reform is clear. However, current economical conditions and increasing education costs don’t bode well for any significant changes in the near future. With the student loan debt now surpassing credit card and auto loan debt, it is more important than ever to take precautions and prepare as much […]

Written by prositesfinancial • Jan 7 • 4 minute read

How To Begin Building Your Credit

Starting you credit history is the perfect opportunity to begin good spending habits. With over 45 million Americans you are not alone in this pursuit, and there is a method to the madness. There is so much information out there it may be hard to decide where to begin, but after a little research you […]

Written by prositesfinancial • Jan 7 • 4 minute read

5 Simple Wealth Management Tips

We all dream of financial success in some way or another, be it financial independence, retirement, a special car, or a certain lifestyle. Perhaps you’d like to travel and see the world, or just be free from the debt and repayment cycle to spend more time with family, friends, or other loved ones. Many of […]

Written by prositesfinancial • Mar 27 • 4 minute read

Make Your Small Business Payroll Management More Effective With These 7 Tips

Payroll management is part of the bread and butter monthly operations of virtually all businesses that employ workers. Payroll management can be one of the more stressful things that small business owners deal with regularly, though it doesn’t need to remain so. It can also be an area fraught with peril, as there are many […]

Written by prositesfinancial • Mar 27 • 4 minute read

Tips for Smart Retirement Saving

Regardless of whether or not we make a plan for retirement, we will inevitably arrive at that age. The question is, will we be prepared, or not? At some point, there will come a time in life when we no longer wish to continue working. This could be due to medical reasons such as illness […]

Written by prositesfinancial • Mar 5 • 4 minute read

How to Get a Mortgage When You Are Self Employed

For many of us, living the dream means being self-employed. You get to be your own boss, work on your terms (or at least some of them) and manage your time and resources. If you are doing work you are passionate about, there is an excellent chance you are self-employed. Of course, living the dream […]

Written by prositesfinancial • Mar 5 • 3 minute read

5 Tax Strategies for Small Business Owners

As a small business owner, you want to ensure you pay as little as possible come tax filing season. Here are a handful of strategy tips that could help you to minimize your tax liability so you can improve your bottom line.. 1. Set up a 401(k) Plan If you set up your 401(k) plan […]

Written by prositesfinancial • Mar 5 • 3 minute read