How to Remove Disputes from Credit Report History and Get a Higher Score

Credit Report Disputes

It is always a good idea to keep an eye on your credit score and credit report. I have been been doing my homework in this area, and I am thrilled to report that my credit score has risen dramatically due to some simple efforts I made. Here’s what was holding me back. I’m pretty conscientious when it comes to paying my bills on time. But a year ago my wife and I moved to a new city. Though we canceled our utility accounts only after the final balances had been paid, my credit report showed an unpaid partial month. Because we changed addresses twice in 3 months, I guess written … [Read more...]

4 Online Degrees That Will Earn Your Money Back Fast

Online Degree

Furthering your education is important. When you get a degree, you're able to not only improve yourself, but also everything in your life. However, getting a traditional degree is difficult for some. Whether you're dealing with time constraints, money problems, or other issues, going into a classroom isn't always the best option. Luckily, today there are a number of online degrees you can pursue that will help you recover the cost of time, money, and effort you put into it.   Online MBA Degree As you're considering your future, you need to think about the degrees that will get … [Read more...]

Some Unconventional Thoughts on Investing for Your Retirement

Investing for Your Retirement

When I first started in financial planning, this would be back in the 1980’s, investing for your retirement was simple.  When you were young, the theory went, you dutifully started putting away a little bit of your salary each month.  The amount was as high a percentage of your income as you could manage.  It was supposed to be a sacrifice.  Give up something now to have something later. You invested in the stock market, of course.  Equity returns were the way to go and you had plenty of time to ride out cyclical fluctuations.  Your risk return profile indicated a higher acceptance of … [Read more...]

When Conventional Wisdom About Money Clashes With Conviction


My understanding and beliefs about money began at the same place most do - with one’s parents. My parents' handling of their personal financial life was truly a work of art. Transferring money from one budget envelope to the next to meet a need, hitting all the local auctions and thrift stores, and using the credit card for emergencies were all the norm in our household. One can’t help but carry those same patterns of behavior into early adulthood. Parental modeling of behavior has that much impact. So after college, I tried to follow the conventional wisdom about money by being as … [Read more...]

How to Go About Finding Financial Jobs in Great Britain


The following contribution is from a reader of My Money Design.  If you’d like to write for us, please feel free to contact me. The economic situation in Great Britain has had an impact on each part of UK. Some industries have been affected in some ways. With the unprecedented numbers of graduates who are unemployed and big number of redundancies, and every government department and company making big cuts, finding jobs is not very easy task. The economic recession in UK affect every city in the country. Finding a work in Britain has not been such a difficult task for a long time. … [Read more...]

Will Digital Currencies Like Bitcoin Force a Secondary Currency Exchange?


Content provided by Dave Hellowell, on behalf of 4x Currency, specialists in foreign exchange and international money transfers. Although Bitcoin has suffered a major blow with the apparent closure of the Mt. Gox exchange, it seems that the alternative currency has not died any kind of final death just yet. Under plans now announced by Robocoin, a company based in the U.S., investors will actually be able to buy and sell bitcoins from a cash machine based in London. This means that transferring funds to or from a virtual wallet, with the use of a smartphone which is scanned by the … [Read more...]

Getting Fit on a Budget and Becoming Healthy for Less

The Beach At Dawn In Thailand

The following contribution is from a reader of My Money Design.  If you’d like to write for us, please feel free to contact me. Staying fit and healthy is important for our long-term health as well as for out short-term happiness and looks. But getting in shape is something that can sometimes seem like an expensive business!  Gym memberships, exercise classes, personal trainers… there is a reason health and fitness is a booming industry and there is certainly a lot of profit to be made from unfit people looking to get fitter. If however you want to become a fitter, healthier version … [Read more...]

Tips for Getting by Without Borrowing Money

Walking On The Red Arrow Street

The following contribution is from a reader of My Money Design.  If you’d like to write for us, please feel free to contact me. Borrowing money is usually one of those things that sounds great at first, until the bills start coming in. If you take a look at just how much money you have to repay for the amount you borrowed, you will realise how much money you may have wasted on interest. If you would have planned ahead before borrowing money, you would now have more cash available to purchase other things you want. The problem is that debt often turns into a never-ending cycle of … [Read more...]