While you have no control over when you will get a raise, you do have a little leeway when it comes to your take home pay.  No matter if it has been years since you have seen a raise, there is something you can do about it. Check your allowances S1, S2, or M3 – what does it all mean? Your tax deductions depend solely on the information you provide to your human resources department via your W-4 form. This form determines the amount of taxes to be deducted from your check. If you’re withholding too much, you should increase
These days, simply earning money from your main gig may not be enough. Simply put – you may need to have additional income outside of your 9 to 5! Nothing teaches us this lesson better than the recent government furlough. For so long, we thought of government jobs as the safest employment opportunity, however in a blank of an eye, many government workers found themselves seeking financial assistance to make ends meet.   Here are a few tips to increase your income outside of your 9 to 5!   Turn your passion into cash I know it may seem impossible,
Everyone wants the American dream and purchasing a home is a great way to achieve it. One sure way to build wealth for generations to come is to become a homeowner. But if you are not careful, just as building wealth can be achieved through homeownership so is destroying it as well. Know what you can afford If you are in the market to purchase a home, chances are, your loan officer may approve you for the maximum amount you and your spouse could afford. But what about the future? For instance, if you are approved for $200,000 based on
  We hear it all the time: save, save and save! But that is tough when bills are due, unexpected expenses come your way and taxes seem to reduce your earnings to nothing. Nevertheless, you must find a way to save. Whether you earn $20,000 or $200,000, here are five ways to save on a tight budget. Start a savings habit I don’t care if it is $5 per month or $500, get into the habit of saving something. Just saving $40 per month can give you $500 for the entire year. That is merely $20 every two weeks. You
Few of us think of our personal finances as a small enterprise. But just like any business or government agency, we must watch our bottom dollar. How do you run your personal financial house? Do you raise the debt ceiling to meet needs? Or do you operate on a budget and save for rainy days? Whatever method you use to operate your personal finances, you must run things like a small business. Get organized Do you know who you owe? Or better yet, who owes you? If your bills or financial documents are scattered throughout your house, it is a
We hear it all the time… we must spend within our budgets. But what does that really mean?  Many people spend aimlessly without preparing a budget and as a result, they usually come up short in their financial goals.  Trust me, I know.  There have been many times in my life, I figured I would just “wing it” or spend according to my feelings.  But that type of attitude got me nowhere.  It wasn’t until I decided I would commit to a budget, then and only then did I see changes in my finances.  Now does this mean that you
Throughout the day, we are presented with many opportunities to spend our money. Whether it is the promotion at the grocery store, the supersize requests at fast food restaurants or simply your family and friends enticing you to spend, there will always be something. It is ironic with so many opportunities to spend there are few options to save. So what can you do to stay committed to your saving goals in a world that requests you to spend so much? Make wiser choices You have to commit each and everyday you will make the most of every dime which
Ok, you can see it in your dreams, the money you will make, becoming your own boss and more importantly, creating your future dynasty.  Your new business is finally closer to reality… and you can finally tell your boss to kiss your future! But wait, hold up!  Are you really financially ready to venture out on your own? Starting your own business requires a financial commitment. It also requires an additional commitment to get your personal financial house in order.  So, before hanging your shingles, consider these tips to ensure a smooth financial transition. #1 Get Your Personal Finances Right
So what should you do if the IRS comes knocking?  Check out my live interview with Fox Channel 8!  I provide helpful audit tax tips to help you beat your next tax audit. Click Here for Fox Channel 8 featuring Kem Washington – IRS Audit Help Tips!
Now that tax season is winding down, hopefully you have taken advantage of the many tax deductions available and the IRS has allowed you to walk away with a couple of dollars in your pocket.  According to the Internal Revenue Service (IRS), the average tax refund is approximately $3,000.   Knowing this – many corporations aim advertisements to snatch your tax refund out of your pocket.  Whether it’s a tax day sale or car dealers promising to double your tax refund, there are many sticky financial traps – so be cautious as you decide what to do with your tax refund.
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