Best Visuals: Mobills. Mobills organizes your expenses in categories so you can track your spending is progressing toward your budgeted amount. See the amount you have remaining to spend in each budget category so you can rein in your spending as needed. The budget planning app includes interactive charts that allow you to analyze your financial life; you can use them to make adjustments as you need to reach your larger financial goals. Add your credit cards to the app so you can see your current balance and spending limits all in one place. You can add all your bills and due dates to keep track of when your bills need to be paid. The free version of the app has limited functionality while upgrading to the premium version will give you full access to all the app’s features.
If you’ve ever bought or sold stocks, there’s a chance you may have done so based on feelings and emotions rather than cold, hard evidence. You may want to believe you trade based on objective information, keeping an eye focused intently on your investment goals. But you’re human. You buy a stock because you saw a pundit talk about it on television. You sell a stock because it’s lost some value and you’re freaked out. You’ve probably bought or sold stocks simply because it feels good to make a transaction.
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Average Family’s Guide to Financial Freedom. The Tooheys, named among the ”Best Personal Finance Managers in America” by Money magazine, offer practical advice on how average families, with children, in debt, with modest incomes, can take control of their financial lives. Putting their own advice into action, they amassed a whopping $467,000 in 8 years on an income of $65,000. They show you how to turn your average income into above-average wealth.
Balances With Different APRs. If you have balances with different APRs on your credit card, the finance charge for these balances is calculated separately. For example, you’ll have a finance charge for purchases, one for balance transfers, and one for cash advances if you had all these balances on your credit card. So, if you’re calculating your own finance charge, you will have to calculate the average daily balance separately for each.
How It Can Help You, If you want to become a better investor, you will want to become less human. That sounds harsh, but it will benefit you to take stock of your own biases and recognize where your own faulty thinking has hurt you in the past. Consider asking yourself tough questions, like, “Do I always think I am right?” or “Do I take credit for investment wins and blame outside factors for my losses?” Ask, “Have I ever sold a stock in anger, or bought a stock based on a simple gut feeling?” Perhaps most importantly, you must ask yourself whether you have all of the information you need to make the right investment choices. It’s impossible to know everything about a stock before buying or selling, but a good bit of research will help ensure you’re investing based on logic and objective knowledge rather than your own biases or emotions.