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 Repair Poor or Badly Damaged Credit in 7 Simple Steps

If you have managed to damage your credit score for whatever reason, it is definitely in your best interest to repair it as soon as possible in order to maximize both your opportunities and financial savings. Why Your Credit Score Matters And Why You Should Fix It: Having a bad credit score can affect your […]

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 Retirement Tips for Small Business Owners

Most small business owners know that they should be saving something for retirement but don’t have a plan. It isn’t that they don’t want to save for retirement, it’s just that the tantalizing appeal of re-investing profits back into the business to help it grow faster is too tempting and they end up re-investing for […]

Written by prositesfinancial • Sep 17 • 3 minute read

Understanding Cryptocurrency

As with any financial investment, you should do independent research before you buy any cryptocurrency. Cryptocurrency is a digital asset used as a medium of exchange with heavy cryptography for the security of transactions and to control the creation of additional units. Cryptocurrencies use decentralized control, not central banking systems, which works through distributed ledger […]

Written by prositesfinancial • Sep 17 • 4 minute read

10 Simple Payroll Management Tips for Your Business

No matter how many employees you have it is important to maintain all records accurately and keep them updated. With over 20 different kinds of employment records needed to satisfy federal requirements, this can seem a bit overwhelming. Fortunately, there are many programs and systems designed to streamline the process, meet the requirements, and keep […]

Written by prositesfinancial • Sep 10 • 4 minute read

The 3 Key Methods of Small Business Valuation

Whether you’ve already decided to sell your business, or just want to keep your cards on the table for the future, having a good idea of what your business is worth is important. Any sale of a business comes with lots of questions and choices and deciding on the value of the business is the […]

Written by prositesfinancial • Aug 26 • 3 minute read