Girls Just Wanna Have Funds Women's Personal Finance Blog

Float Money (www.floatmoney.com) first appeared on this blog a while back when they were beginning to build awareness for their very unique interest-free loan service. Now, they’re back to announce the Float Planned Spending Program launch. The Planned Spending Program (or PSP) is designed to appeal to budget-conscious people trying to find a way to create a budget cushion or a “rainy day” fund via Float’s  no-interest and no-fees credit line. The PSP system automatically delivers gift cards on a schedule the user creates so they can do their local shopping. You set up your recurring order of gift cards ... Read More »

Identity theft has exploded over the last decade with the advent of the Internet and increasingly stealthy methods to gain access to your financial information.  If gone undetected, months if illicit activity could lead to years to financial devastation.  And, because we’re all about keeping our money in check, ain’t nobody got time for that! Here are some simple, practical tips on how to prevent ID theft: Monitor your accounts daily. Make an effort to monitor your credit accounts. The reason is that a single case of identity theft could spiral into months of abuse on your accounts. An identity ... Read More »

Everyone wants to know how to earn a bit of extra cash, but there are so many ideas out there that take too much time and effort for minimal reward, or are simply “schemes” that promise the world and don’t deliver. This is where Qmee comes in. Whilst it won’t make you filthy rich, it’s a legitimate tool that rewards you for searching online, and it doesn’t require you to do anything different. Intrigued? Qmee is a free browser app, that once installed, works in the background so that when you do a search on Google, Bing, Yahoo or even ... Read More »

Who doesn’t like a little retail therapy occasionally after a bad day or even a good one?  But what happens when that retail therapy veers into the lane of operating like a shopaholic? Shopaholic. This is what we usually call someone who shops a lot.  Who are we kidding.  That’s what we call a woman when her shopping habits are out of control!  And, we all know someone like this. There’s clearly a spending addiction at play and sometimes it can be difficult to determine if there’s a true addiction or if the person just needs help controlling their spending. ... Read More »

The end of tax season is virtually upon us, and you’ve probably been had your personal finances in the forefront of your mind for the past couple of months. Once you file those taxes, however, and before you move on with the rest of your life, you should take a brief look at your credit card situation and see if you can improve on that aspect of your finances. If you’re carrying any significant credit card debt that you’re stuck paying interest on, it may benefit you to transfer that high-interest balance to a credit card that offers 0% interest ... 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 »

We’ve all felt the fear.  A credit card payment is coming up and you can’t pay it.  Panic sets in and you don’t know what to do.  Ignore it, reach out to the company, take a cash advance on another card, sell a kidney?  What is the best approach? The first thing to know is that floating a payment on one card with a cash advance is a surefire recipe for disaster.   It’s the marijuana gateway drug to a full-blown heroin addiction.  Just don’t do it.  There’s no coming back from that type of credit card shifting.  You need a ... Read More »

Even if you enjoy your job, and love the people you work with, occasions arise where you need to make a decision, do what’s best for yourself, or maintain a friendly relationship with your employer.  Claiming work place accident compensation is relatively easy, but making the decision to proceed is often fraught with worry. This is particularly true within small businesses, where everyone knows you well, the boss is like family, and the staff are your best friends. Of course, most companies have insurance, but that doesn’t stop your boss from worrying that a claim could be detrimental to business ... Read More »

You’re filled with first date jitters and wonders of whether he’s “the one,” as you sit down to dinner across from your potential soulmate. You immediately begin sizing him up, analyzing his clothes, teeth, and the way he styles his hair, as you secretly plan to segway into your mental checklist. Yes, that laundry list of requirements and features of your ideal mate, from must love dogs to an appreciation for strong family values. But before you can nonchalantly ask about his religious background, political views, and career aspirations, he blurts out, “What’s your credit score?” Suddenly this no longer ... Read More »

Structured Settlements is something that is blind and unknown to many. Luckily the experts at EinsteinStructuredSettlements.com where kind enough to provide this helpful data and information for those “who need cash now” as the commercial so popularly states. Info on the industry is something there should be more of online. My clients are always asking me questions, so I decided to address some of them in this article. The most often asked questions are: What exactly is a structured-settlement?, What types of disputes can it be used as a settlement option?, and How can you sell a settlement-annuity? I am ... Read More »

The Winter Carnival is one of the biggest events in Quebec and its events celebrate the cold months with activities like snow baths, ice canoe races, night parades and more!  Winter in Canada is long and cold, so why not celebrate when it is ends with a rollicking festival? This event has been held Feb. 1 – 17 since 1894 and is how the city lifts its spirits in the dreary cold. These days, the festival brings an estimated one million visitors to Quebec City every year and it has been named by Reader’s Digest as “Canada’s Best Winter Festival.” ... Read More »

Creating a realistic budget for your bathroom renovation wasn’t easy, but you’ve finally determined exactly how much capital is required to install that beautiful marble vanity or amazing travertine flooring. Unfortunately, when the job is done and the workmen are gone, you’re left with a beautiful, empty bathroom and no money for accessories. From the ideal shower curtain to amazing light fixtures; accessories are what make an elegant, modern bathroom feel like home. Even if you haven’t renovated, adding fresh accessories can fool your friends and family members into thinking you spent a small fortune overhauling the space. Shower Surrounds ... Read More »

Unless you’ve been living under a rock then you know that the ongoing recession has devastated homeowners all across the country.  Jobs have been lost, homes went into foreclosure, retirement savings were decimated and there’s still much uncertainty about our country’s economic future.  One of the main issues that contributed to the crisis was mortgage loan interest rates. Many buyers accepted interest rates that were either too high or unpredictable given the above-mentioned state of the market.  This is where greed stepped in on all sides. Buyers wanted houses they couldn’t afford in a sticky market and lenders saw dollar ... Read More »

Love is in the air and in the name of Love and Money we’ve got this week’s Carnival of Personal Finance – Love and Money Edition! Editor’s Pics Joy from Her Every Cent Counts presents Helping My Boyfriend Get a Job, and says, “My boyfriend is 30 and unemployed. In order to help him kick start his career, I’ve created his resume and put together a list of jobs he should apply for, along with options for graduate school.” Peter from Bible Money Matters presents 3 Simple Steps to Take to Change Your Financial Life, and says, “If you know ... Read More »

You’re planning a family vacation to Queensland but don’t want to spend the entire trip lugging your teenager’s bags through shopping centres or easing your queasy stomach after enjoying too many rich foods and roller coasters at an amusement park. Luckily, there are three compromises that will actually appease every member of the family: zoos, aquariums and wildlife sanctuaries. Aside from being a welcome distraction from the constant cries of “Are we there yet?” and “I’m bored,” these educationally enriching attractions actually allow you to slip a little learning in with the fun. Here are a few of the best ... Read More »