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Are you so desperate for a home loan that you are stretching your finances too far?
Once you get a quote for a home loan don’t be tempted to take the entire amount if it looks like you overqualified. Most consumers fill out an application for a home loan and hope they can get enough money to buy their dream house. A nice chunk of...

Deciding Whether to Refinance a Mortgage Loan
If you're considering whether or not to refinance your mortgage loan, you may find that the decision that you make will influence your finances for years to come. Refinancing can be a powerful tool to save money and receive better interest...

How to finance a business for your Son or Daughter
First, how not to go about it: A cash loan is not the way to go. Neither is signing as surety for a bank loan A gift of the amount required? Again, not the best approach But these are the three most...

J.G. Wentworth Forecast:Consumers Expected to Increase Sales of Annuities They Hold in 2006, Continuing 3-Year Trend in Personal Finance
Bryn Mawr, PA, December 5, 2005 - American consumers are expected to more than double the sales of existing tax-deferred annuities they hold in 2006, as the economy moves into what appears to be a transition phase in which liquidity will...

Refinance Mortgage: Smart Move For Home Buyers
There are several reasons why a refinance mortgage might just be the right option for you. Getting a refinance mortgage is a smart move for any home buyer. With refinance mortgage, not only do you lower down your interest rates but you also reduce...

 
Using the internet to manage your family’s finance

The effectiveness of managing family finances has never been more significant, as parents struggle to find a balance between work and family life. A recent study by Mother and Baby magazine has found that new parents are getting less sleep than previous generations, with new mums struggling to manage their exhaustion.

Whilst there is no technological solution to sleepless nights as yet, it is possible to assign many tasks which were once only possible through physical movement, to the internet, such as shopping and banking. No longer do you have to worry about co-ordinating the demands of screaming children with your weekly shopping list or about missing the bank at 5:01pm. Whatever issues you may face with your child, there are plenty of websites collating advice from parents around the world, such as http://www.workingfamilies.org.uk/ and http://www.babycentre.co.uk/.

There are websites such as http://www.parentspenniespounds.co.uk/ offering financial advice and support, and financial comparison sites such as http://www.moneynet.co.uk/index.shtml, which ensure that parents can always find the best


deal for their finances, including credit cards, loans, mortgage, life insurance, house insurance, car insurance and the children’s savings accounts. Many personal finance sites including moneynet also offer “account aggregation” tools, which allow parents (and non parents!) to manage all of their finances online, including current accounts, savings accounts, loans and credit cards. If you think your household bills are too high, uSwitch.com can provide you with a comparison of providers for gas & electricity, water and household communications.

And if that all seems a little too practical, take some time out for a little light relief with http://www.learnthenet.com/english/features/tenthings.htm. This website offers a wealth of information about how to extract useful information from the internet, as well as providing more random suggestions such as the science of online games, “design a structure of copper coins” and even the world’s most calorific sandwich.
About Rachel: Rachel writes for the personal finance blog Cashzilla: http://www.cashzilla.co.uk Cashzilla is a personalfinanosaurus. “Rachel” means sheep in Hebrew: “little lamb” or “one with purity”. Cashzilla means financially savvy with great fiery ferocity.