Your Money - Articles

Your Money & You Staff have written a series of tax related articles. For additional information on related topics, visit yourmoney.accion.org

Different Types Of Loans And Loan Options
A loan is the redistribution of money between a lender and a borrower. As a borrower, you receive an amount of money from the lender, which you will have to pay back later. This service is provided at a cost, referred to as interest, or annual percentage rate (APR). Installment loans... Read
By: Your Money | 30/10/2007 | Finance

Keeping A Daily Spending Diary And Small Business Record Keeping
Have you ever taken $20 out of an ATM and wondered later where it went? Start keeping a daily spending diary to keep track of where your money goes. Try it out for one week and you'll be amazed at how much you can spend on the little things like... Read
By: Your Money | 21/09/2007 | Finance

Warning Signs Of Credit Problems
Are you consistently charged late fees on all your bills? Is it hard to decide which bills to pay each month? Do you spend more than 20% of your net monthly income to pay for your credit cards? Have you ever borrowed money to make payments on existing loans? Are... Read
By: Your Money | 14/05/2007 | Finance

The Cost Of Credit
In September, Luciana is approved for her first credit card! She grabs her purse and visits her local appliance stores perusing the aisles for the best deal on a refrigerator. After careful evaluation of the different brands and added features she purchases an Energy Star refrigerator with her new credit... Read
By: Your Money | 04/05/2007 | Finance

Smart Small Business Tax Deductions
If you think that increasing sales is the only way to make a business more profitable, think again! Decreasing what you spend is as essential as increasing the amount you sell. From an office chair to an office building, every purchase you make for your business may be tax deductible.... Read
By: Your Money | 04/05/2007 | Management

Simple Market Research
As an entrepreneur, you may know every detail about your small business, but can you say the same about your customers? In order to effectively market your products or services, you need to know who's purchasing them! Market research consists of gathering and analyzing data about your customers in order... Read
By: Your Money | 27/04/2007 | Finance

How To Handle Your Credit Cards
Credit cards have a bad reputation-many consumers dislike using them because they don't like the concept of borrowing money, or have fallen into debt in the past. However, the responsible use of credit cards can help you build healthy credit by establishing and maintaining an active credit history on your... Read
By: Your Money | 26/04/2007 | Finance

Insurance Basics For Small Businesses
Not having insurance is risky business. It's an expense that many business owners deem unnecessary, but adequate insurance coverage in times of loss is invaluable. As a small business owner, only you can decide what type of insurance coverage is best for your business. Take stock of the physical and... Read
By: Your Money | 26/04/2007 | Finance

Choose The Best Legal Structure For Your Business
Do you know the best legal structure for your small business? Legal structure refers to the way a business is organized. Choosing the best legal structure for your business is critical, as it affects aspects of your business ranging from tax payments to your personal financial liability. ... Read
By: Your Money | 26/04/2007 | Finance

Marketing On A Shoestring Budget
In order to sell your services or products it is crucial that your customers know that you exist, where they can find you, what you are offering, and why they should buy from you! "Becoming an effective marketer is simpler than you think," says Louise Johnsson Zea, a small business... Read
By: Your Money | 26/04/2007 | Marketing