Girls Just Wanna Have Funds Women's Personal Finance Blog

Doing laundry eats up a lot of energy and is responsible for a good share of your monthly bills. Fortunately, there are many easy ways to save on energy in the laundry room. Here are five to get you started: Wash in Cold Water 80% of the energy used by your washing machine goes into heating water. While you may be under the impression that hot water washes more effectively, truth is, by using a powerful cold-water detergent, you’ll get great results – and save a lot of energy and money in the process! Always Do Full Loads This will ... Read More »

Recent economic difficulties being experienced throughout the world have created a number of problems for hard-working people, and one of the most significant is the problem of consumer debt. Faced with stagnant wages, rising costs of living and an increased risk of unemployment, many are being forced to turn to short-term loan-providers for financial relief. However, thousands of consumers are becoming reliant on debt, and that is having a profound effect on their lives. Breaking free from debt is never easy, but taking these ten important steps will certainly help. 1. Don’t Ignore the Problem The incessant phone calls, letters ... Read More »

If this offends someone. Good.  That means you’re doing something wrong and should read the rest to make sure you’re not making dumb money moves that typically lead us to Judge Mathis’ or Judge Judy’s court room. Seriously, I can’t tell you how many women show up on a judge show begging to be compensated for something they should have never done with a recent paramour.  Read on to find out if you’re one of them:   Please Don’t Buy Him Furniture If you’re not engaged to be married then you have no business buying a guy furniture that you ... Read More »

It’s that time of year again and we’re in the mindset where we begin to think about the things we’d like to do better next year.   Financial resolutions are often high on the list with much “spend less, save more” promises that never seem to quite make it past Valentines Day. Plan For The Future Create A Financial Plan:  Getting started with improving your finances requires first developing a plan for success.  A financial plan is the foundation upon which all your plans exist.  Without this plan, it’s impossible to have goal directed success as it relates to your finances.  ... Read More »

Chances are, if you’re reading this blog, you know about emergency funds and savings accounts. But do you know the differences between the two and when to use them?  Life’s curve balls don’t always come wrapped in neatly identifiable boxes.  So there are times when expenses arise which force us to dip into the piggy bank.  But do we dip into the savings or the emergency fund?  Both?  What’s the difference? Let’s start out by defining specific uses: Emergency Fund: Usually consists of unplanned expenses, the ones that pop up with no warning such as unexpected bills, deaths, job loss, ... Read More »

After my divorce, the importance of having a standard 9-5 diminished because with it came demands that no longer had space in my life.  While married I was able to throw myself into my work and deal with being on call, late night emails and text messages and it was OK back then. At this point in my life, my perspective has changed and I want to leave work at work.  I want to be able to attend Bible study on certain days, work out in the mornings and have the flexibility to attend to life issues as they come ... Read More »