Y Combinator-backed startup ReadyForZero, a startup that helps Americans cleanse themselves of credit card debt, is taking its debt management platform public today. Launched in private beta last year, ReadyForZero is trying to help those consumers who are having trouble paying their debt off, as opposed to those who are already in collections or bankruptcy. Essentially the site uses a Mint.com model to help people not carry any balances month to month.
Consumers sign onto ReadyForZero with their credit card accounts and passwords (leveraging Yodlee), and similar to Mint.com, the startup will evaluate all of the balances and minimum balances and give users a 360-degree view of their financial situation.
ReadyForZero will build a personalized plan for consumers, charting out how much interest is being charges on each credit card account, minimum payments and when each card’s balance will eventually be paid off. Based on your minimum payments, salary and balance, ReadyForZero will figures out an optimal strategy for what to pay and when. And qualified ReadyForZero members can obtain lower-interest, fixed-rate
personal loans through the startup’s partnership with peer lending site Lending Club.
The startup, which just raised $260,000 in new funding, seems like it could be complimentary to personal finance management Mint.com.
At midnight, AOL announced that it will buy the Huffington Post for $315 million. Below is the internal memo AOL CEO Tim Armstrong sent to all AOL employees (except us, they don’t trust us with anything) about the transaction. In between the corporate speak, he points out that a combined AOL and Huffington Post will have 117 million unduplicated unique visitors per month in the U.S., and outlines the new organizational structure with Arianna Huffington as Editor In Chief of all of AOL’s media properties, including TechCrunch. AOL exec Jon Brod will be overseeing the integration from an operational perspective on the AOL side.
——————–
AOLers,
We are taking another major step in the comeback of AOL. Today we are announcing that we have agreed to acquire The Huffington Post, one of the most exciting, influential, and fastest growing properties on the Internet. We believe in brands, quality journalism, and the positive role of communities in the world—The Huffington Post shares our values and the combination of the two companies will create the premier global and local media company on the Internet.
Co-founded six years ago by Arianna Huffington and Ken Lerer, The Huffington Post has grown to become an industry leader—one of the Web’s most popular and innovative sources of online news, commentary, and information. Arianna and team have created a brand and a destination that focuses on the consumer experience. By combining The Huffington Post with AOL’s network of sites, thriving video offerings, local expertise and enormous reach, we will create a company that is laser-focused on serving our audiences across every platform imaginable – social, local, video, mobile and tablet.
The Huffington Post is core to our strategy and our 80:80:80 focus – 80% of domestic spending is done by women, 80% of commerce happens locally and 80% of considered purchases are driven by influencers. The influencer part of the strategy is important and will be potent.
The Huffington Post is a strong influencer brand and it attracts a valuable audience, including a great focus on women’s content. In addition, Arianna Huffington is a world-renowned expert on women’s topics and issues, and has enabled The Huffington Post to grow rapidly by continually developing new audiences.
In the local area, the combination of the two companies will create a scaled connection between global and local communities on one platform. This will create a new way for people to get local and global information in a timely and entertaining way.
The Huffington Post will join the family of AOL Brands that are destinations for an influencer audience, brands like TechCrunch, Engadget, AutoBlog, and Moviefone. Uniquely, The Huffington Post is the platform for influential people — the people that drive trends, commerce, politics, entertainment, news, and information. Adding this strategic platform to our already strong network of sites, including the AOL homepage, has the potential to make AOL the most influential company in the content space.
Arianna Huffington is one of the most successful entrepreneurs in the Internet space and someone that is even more successful in building communities and relationships in every corner of the globe. The Huffington Post and Arianna have created a company that has partnered with the most successful and well-known leaders in all aspects of society that touch important topics to give consumers direct access to the most influential decision makers and community leaders.
This acquisition will create a high-quality and diverse digital ecosystem encompassing local, national and international news, politics, entertainment, technology, fashion, sports, health, personal finance, green, lifestyle, the arts and more. This deal will combine the amazing talent at AOL with the innovative and talented staff of The Huffington Post. Here are just a few high-level points around what this deal brings to market:
- Together, AOL and The Huffington Post will have 117MM unduplicated domestic monthly UVs, and ~270MM monthly UVs worldwide (according to comScore Dec 2010).
- The Huffington Post is one of the fastest growing web properties on the Internet. It grew 22% last year – that’s faster than Twitter, which grew 18% – and 15x as quickly as the Internet grew last year (comScore Dec ’09-’10).
- Both AOL and The Huffington Post count powerful, affluent users among their top loyal visitors, significantly over-indexing in $100K+ income users.
- AOL passed Hulu in unique viewers on video in the fourth quarter of 2010; video views on AOL are up 400 percent year-over-year.
- Between AOL’s innovative Project Devil ad unit, engaging users for 27 seconds longer than traditional display ads, and The Huffington Post’s highly-vocal community, with 4MM+ comments per month, we will marry attention-grabbing content and brand experiences for both advertisers and consumers.
In the local area, the combination of the two companies will create a premier global/local syndication network at scale. This will create a new way for people to get local and global information in a timely, informative and entertaining way.
To maximize the strategic advantage of this great deal, we will be creating a new group at AOL called The Huffington Post Media Group. Within this group will be AOL Media, AOL Local & Mapping, AOL Search and our new friends at The Huffington Post. We will continue operating the towns structure, AOL.com and HuffingtonPost.com.
I’m thrilled to announce that Arianna Huffington will join AOL’s executive team as President and Editor in Chief of The Huffington Post Media Group. We have asked Jon Brod to lead the overall operational integration on the AOL side of the combined entities. Jon will lead the local group integration and work closely with David Eun and the teams in AOL Media. We will work quickly with The Huffington Post to create a combined organizational design to coincide with the deal closing. While we wait for the required regulatory reviews to be completed and the transaction to close before implementing the design, we will move very quickly to plan the details of the integration of the two companies. To this end, we will announce the new organizational structure as soon as possible.
In the meantime, we will continue creating great content and products for our consumers within the town structure and stay laser-focused on the aggressive goals we have set for our winter luge. We are on the right track and will continue our weekly operating cadence and town structure to drive successful results against our company goals.
Here’s a special message for all of you we taped to welcome The Huffington Post and Arianna to our AOL Family:
http://today.office.aol.com/company-news/2011/02/aol-agrees-buy-huffington-post
And of course we wanted to welcome Arianna to our “You’ve Got” video of the day—check her out on AOL.com.
We will be holding a company all hands meeting to address your questions related to today’s exciting news. We will video conference from our New York office on the 6th Floor at 9:30 AM ET and will be joined by Arianna Huffington and key executives from her organization. We will also be holding a call for our west coast offices at 2:00 PM ET and for our Patch offices at 2:45 PM ET. See below for meeting info (conference rooms will be sent out shortly).
AOL is playing to win…and The Huffington Post and AOL will occupy a unique place in the future of the Internet. Let’s go get it done.
–TA
bench craft companyBreaking news: Obama quits smoking. ... Breaking news: Obama quits smoking. Share. posted at 5:30 pm on February 8, 2011 by Allahpundit printer-friendly � He had to do it. If his system wasn't in peak shape, he'd never have been able to ...
iLounge news discussing the Verizon iPhone 4 antenna problems persist (video). Find more iPhone news from leading independent iPod, iPhone, and iPad site.
Fox News pundit claims that "increase in rapes" is due largely to videogames.
bench craft company
Y Combinator-backed startup ReadyForZero, a startup that helps Americans cleanse themselves of credit card debt, is taking its debt management platform public today. Launched in private beta last year, ReadyForZero is trying to help those consumers who are having trouble paying their debt off, as opposed to those who are already in collections or bankruptcy. Essentially the site uses a Mint.com model to help people not carry any balances month to month.
Consumers sign onto ReadyForZero with their credit card accounts and passwords (leveraging Yodlee), and similar to Mint.com, the startup will evaluate all of the balances and minimum balances and give users a 360-degree view of their financial situation.
ReadyForZero will build a personalized plan for consumers, charting out how much interest is being charges on each credit card account, minimum payments and when each card’s balance will eventually be paid off. Based on your minimum payments, salary and balance, ReadyForZero will figures out an optimal strategy for what to pay and when. And qualified ReadyForZero members can obtain lower-interest, fixed-rate
personal loans through the startup’s partnership with peer lending site Lending Club.
The startup, which just raised $260,000 in new funding, seems like it could be complimentary to personal finance management Mint.com.
At midnight, AOL announced that it will buy the Huffington Post for $315 million. Below is the internal memo AOL CEO Tim Armstrong sent to all AOL employees (except us, they don’t trust us with anything) about the transaction. In between the corporate speak, he points out that a combined AOL and Huffington Post will have 117 million unduplicated unique visitors per month in the U.S., and outlines the new organizational structure with Arianna Huffington as Editor In Chief of all of AOL’s media properties, including TechCrunch. AOL exec Jon Brod will be overseeing the integration from an operational perspective on the AOL side.
——————–
AOLers,
We are taking another major step in the comeback of AOL. Today we are announcing that we have agreed to acquire The Huffington Post, one of the most exciting, influential, and fastest growing properties on the Internet. We believe in brands, quality journalism, and the positive role of communities in the world—The Huffington Post shares our values and the combination of the two companies will create the premier global and local media company on the Internet.
Co-founded six years ago by Arianna Huffington and Ken Lerer, The Huffington Post has grown to become an industry leader—one of the Web’s most popular and innovative sources of online news, commentary, and information. Arianna and team have created a brand and a destination that focuses on the consumer experience. By combining The Huffington Post with AOL’s network of sites, thriving video offerings, local expertise and enormous reach, we will create a company that is laser-focused on serving our audiences across every platform imaginable – social, local, video, mobile and tablet.
The Huffington Post is core to our strategy and our 80:80:80 focus – 80% of domestic spending is done by women, 80% of commerce happens locally and 80% of considered purchases are driven by influencers. The influencer part of the strategy is important and will be potent.
The Huffington Post is a strong influencer brand and it attracts a valuable audience, including a great focus on women’s content. In addition, Arianna Huffington is a world-renowned expert on women’s topics and issues, and has enabled The Huffington Post to grow rapidly by continually developing new audiences.
In the local area, the combination of the two companies will create a scaled connection between global and local communities on one platform. This will create a new way for people to get local and global information in a timely and entertaining way.
The Huffington Post will join the family of AOL Brands that are destinations for an influencer audience, brands like TechCrunch, Engadget, AutoBlog, and Moviefone. Uniquely, The Huffington Post is the platform for influential people — the people that drive trends, commerce, politics, entertainment, news, and information. Adding this strategic platform to our already strong network of sites, including the AOL homepage, has the potential to make AOL the most influential company in the content space.
Arianna Huffington is one of the most successful entrepreneurs in the Internet space and someone that is even more successful in building communities and relationships in every corner of the globe. The Huffington Post and Arianna have created a company that has partnered with the most successful and well-known leaders in all aspects of society that touch important topics to give consumers direct access to the most influential decision makers and community leaders.
This acquisition will create a high-quality and diverse digital ecosystem encompassing local, national and international news, politics, entertainment, technology, fashion, sports, health, personal finance, green, lifestyle, the arts and more. This deal will combine the amazing talent at AOL with the innovative and talented staff of The Huffington Post. Here are just a few high-level points around what this deal brings to market:
- Together, AOL and The Huffington Post will have 117MM unduplicated domestic monthly UVs, and ~270MM monthly UVs worldwide (according to comScore Dec 2010).
- The Huffington Post is one of the fastest growing web properties on the Internet. It grew 22% last year – that’s faster than Twitter, which grew 18% – and 15x as quickly as the Internet grew last year (comScore Dec ’09-’10).
- Both AOL and The Huffington Post count powerful, affluent users among their top loyal visitors, significantly over-indexing in $100K+ income users.
- AOL passed Hulu in unique viewers on video in the fourth quarter of 2010; video views on AOL are up 400 percent year-over-year.
- Between AOL’s innovative Project Devil ad unit, engaging users for 27 seconds longer than traditional display ads, and The Huffington Post’s highly-vocal community, with 4MM+ comments per month, we will marry attention-grabbing content and brand experiences for both advertisers and consumers.
In the local area, the combination of the two companies will create a premier global/local syndication network at scale. This will create a new way for people to get local and global information in a timely, informative and entertaining way.
To maximize the strategic advantage of this great deal, we will be creating a new group at AOL called The Huffington Post Media Group. Within this group will be AOL Media, AOL Local & Mapping, AOL Search and our new friends at The Huffington Post. We will continue operating the towns structure, AOL.com and HuffingtonPost.com.
I’m thrilled to announce that Arianna Huffington will join AOL’s executive team as President and Editor in Chief of The Huffington Post Media Group. We have asked Jon Brod to lead the overall operational integration on the AOL side of the combined entities. Jon will lead the local group integration and work closely with David Eun and the teams in AOL Media. We will work quickly with The Huffington Post to create a combined organizational design to coincide with the deal closing. While we wait for the required regulatory reviews to be completed and the transaction to close before implementing the design, we will move very quickly to plan the details of the integration of the two companies. To this end, we will announce the new organizational structure as soon as possible.
In the meantime, we will continue creating great content and products for our consumers within the town structure and stay laser-focused on the aggressive goals we have set for our winter luge. We are on the right track and will continue our weekly operating cadence and town structure to drive successful results against our company goals.
Here’s a special message for all of you we taped to welcome The Huffington Post and Arianna to our AOL Family:
http://today.office.aol.com/company-news/2011/02/aol-agrees-buy-huffington-post
And of course we wanted to welcome Arianna to our “You’ve Got” video of the day—check her out on AOL.com.
We will be holding a company all hands meeting to address your questions related to today’s exciting news. We will video conference from our New York office on the 6th Floor at 9:30 AM ET and will be joined by Arianna Huffington and key executives from her organization. We will also be holding a call for our west coast offices at 2:00 PM ET and for our Patch offices at 2:45 PM ET. See below for meeting info (conference rooms will be sent out shortly).
AOL is playing to win…and The Huffington Post and AOL will occupy a unique place in the future of the Internet. Let’s go get it done.
–TA
bench craft company>
Breaking news: Obama quits smoking. ... Breaking news: Obama quits smoking. Share. posted at 5:30 pm on February 8, 2011 by Allahpundit printer-friendly � He had to do it. If his system wasn't in peak shape, he'd never have been able to ...
iLounge news discussing the Verizon iPhone 4 antenna problems persist (video). Find more iPhone news from leading independent iPod, iPhone, and iPad site.
Fox News pundit claims that "increase in rapes" is due largely to videogames.
bench craft company[reefeed]
bench craft company
bench craft companyBreaking news: Obama quits smoking. ... Breaking news: Obama quits smoking. Share. posted at 5:30 pm on February 8, 2011 by Allahpundit printer-friendly � He had to do it. If his system wasn't in peak shape, he'd never have been able to ...
iLounge news discussing the Verizon iPhone 4 antenna problems persist (video). Find more iPhone news from leading independent iPod, iPhone, and iPad site.
Fox News pundit claims that "increase in rapes" is due largely to videogames.
bench craft company
Y Combinator-backed startup ReadyForZero, a startup that helps Americans cleanse themselves of credit card debt, is taking its debt management platform public today. Launched in private beta last year, ReadyForZero is trying to help those consumers who are having trouble paying their debt off, as opposed to those who are already in collections or bankruptcy. Essentially the site uses a Mint.com model to help people not carry any balances month to month.
Consumers sign onto ReadyForZero with their credit card accounts and passwords (leveraging Yodlee), and similar to Mint.com, the startup will evaluate all of the balances and minimum balances and give users a 360-degree view of their financial situation.
ReadyForZero will build a personalized plan for consumers, charting out how much interest is being charges on each credit card account, minimum payments and when each card’s balance will eventually be paid off. Based on your minimum payments, salary and balance, ReadyForZero will figures out an optimal strategy for what to pay and when. And qualified ReadyForZero members can obtain lower-interest, fixed-rate
personal loans through the startup’s partnership with peer lending site Lending Club.
The startup, which just raised $260,000 in new funding, seems like it could be complimentary to personal finance management Mint.com.
At midnight, AOL announced that it will buy the Huffington Post for $315 million. Below is the internal memo AOL CEO Tim Armstrong sent to all AOL employees (except us, they don’t trust us with anything) about the transaction. In between the corporate speak, he points out that a combined AOL and Huffington Post will have 117 million unduplicated unique visitors per month in the U.S., and outlines the new organizational structure with Arianna Huffington as Editor In Chief of all of AOL’s media properties, including TechCrunch. AOL exec Jon Brod will be overseeing the integration from an operational perspective on the AOL side.
——————–
AOLers,
We are taking another major step in the comeback of AOL. Today we are announcing that we have agreed to acquire The Huffington Post, one of the most exciting, influential, and fastest growing properties on the Internet. We believe in brands, quality journalism, and the positive role of communities in the world—The Huffington Post shares our values and the combination of the two companies will create the premier global and local media company on the Internet.
Co-founded six years ago by Arianna Huffington and Ken Lerer, The Huffington Post has grown to become an industry leader—one of the Web’s most popular and innovative sources of online news, commentary, and information. Arianna and team have created a brand and a destination that focuses on the consumer experience. By combining The Huffington Post with AOL’s network of sites, thriving video offerings, local expertise and enormous reach, we will create a company that is laser-focused on serving our audiences across every platform imaginable – social, local, video, mobile and tablet.
The Huffington Post is core to our strategy and our 80:80:80 focus – 80% of domestic spending is done by women, 80% of commerce happens locally and 80% of considered purchases are driven by influencers. The influencer part of the strategy is important and will be potent.
The Huffington Post is a strong influencer brand and it attracts a valuable audience, including a great focus on women’s content. In addition, Arianna Huffington is a world-renowned expert on women’s topics and issues, and has enabled The Huffington Post to grow rapidly by continually developing new audiences.
In the local area, the combination of the two companies will create a scaled connection between global and local communities on one platform. This will create a new way for people to get local and global information in a timely and entertaining way.
The Huffington Post will join the family of AOL Brands that are destinations for an influencer audience, brands like TechCrunch, Engadget, AutoBlog, and Moviefone. Uniquely, The Huffington Post is the platform for influential people — the people that drive trends, commerce, politics, entertainment, news, and information. Adding this strategic platform to our already strong network of sites, including the AOL homepage, has the potential to make AOL the most influential company in the content space.
Arianna Huffington is one of the most successful entrepreneurs in the Internet space and someone that is even more successful in building communities and relationships in every corner of the globe. The Huffington Post and Arianna have created a company that has partnered with the most successful and well-known leaders in all aspects of society that touch important topics to give consumers direct access to the most influential decision makers and community leaders.
This acquisition will create a high-quality and diverse digital ecosystem encompassing local, national and international news, politics, entertainment, technology, fashion, sports, health, personal finance, green, lifestyle, the arts and more. This deal will combine the amazing talent at AOL with the innovative and talented staff of The Huffington Post. Here are just a few high-level points around what this deal brings to market:
- Together, AOL and The Huffington Post will have 117MM unduplicated domestic monthly UVs, and ~270MM monthly UVs worldwide (according to comScore Dec 2010).
- The Huffington Post is one of the fastest growing web properties on the Internet. It grew 22% last year – that’s faster than Twitter, which grew 18% – and 15x as quickly as the Internet grew last year (comScore Dec ’09-’10).
- Both AOL and The Huffington Post count powerful, affluent users among their top loyal visitors, significantly over-indexing in $100K+ income users.
- AOL passed Hulu in unique viewers on video in the fourth quarter of 2010; video views on AOL are up 400 percent year-over-year.
- Between AOL’s innovative Project Devil ad unit, engaging users for 27 seconds longer than traditional display ads, and The Huffington Post’s highly-vocal community, with 4MM+ comments per month, we will marry attention-grabbing content and brand experiences for both advertisers and consumers.
In the local area, the combination of the two companies will create a premier global/local syndication network at scale. This will create a new way for people to get local and global information in a timely, informative and entertaining way.
To maximize the strategic advantage of this great deal, we will be creating a new group at AOL called The Huffington Post Media Group. Within this group will be AOL Media, AOL Local & Mapping, AOL Search and our new friends at The Huffington Post. We will continue operating the towns structure, AOL.com and HuffingtonPost.com.
I’m thrilled to announce that Arianna Huffington will join AOL’s executive team as President and Editor in Chief of The Huffington Post Media Group. We have asked Jon Brod to lead the overall operational integration on the AOL side of the combined entities. Jon will lead the local group integration and work closely with David Eun and the teams in AOL Media. We will work quickly with The Huffington Post to create a combined organizational design to coincide with the deal closing. While we wait for the required regulatory reviews to be completed and the transaction to close before implementing the design, we will move very quickly to plan the details of the integration of the two companies. To this end, we will announce the new organizational structure as soon as possible.
In the meantime, we will continue creating great content and products for our consumers within the town structure and stay laser-focused on the aggressive goals we have set for our winter luge. We are on the right track and will continue our weekly operating cadence and town structure to drive successful results against our company goals.
Here’s a special message for all of you we taped to welcome The Huffington Post and Arianna to our AOL Family:
http://today.office.aol.com/company-news/2011/02/aol-agrees-buy-huffington-post
And of course we wanted to welcome Arianna to our “You’ve Got” video of the day—check her out on AOL.com.
We will be holding a company all hands meeting to address your questions related to today’s exciting news. We will video conference from our New York office on the 6th Floor at 9:30 AM ET and will be joined by Arianna Huffington and key executives from her organization. We will also be holding a call for our west coast offices at 2:00 PM ET and for our Patch offices at 2:45 PM ET. See below for meeting info (conference rooms will be sent out shortly).
AOL is playing to win…and The Huffington Post and AOL will occupy a unique place in the future of the Internet. Let’s go get it done.
–TA
bench craft company
bench craft companyBreaking news: Obama quits smoking. ... Breaking news: Obama quits smoking. Share. posted at 5:30 pm on February 8, 2011 by Allahpundit printer-friendly � He had to do it. If his system wasn't in peak shape, he'd never have been able to ...
iLounge news discussing the Verizon iPhone 4 antenna problems persist (video). Find more iPhone news from leading independent iPod, iPhone, and iPad site.
Fox News pundit claims that "increase in rapes" is due largely to videogames.
bench craft company
bench craft companyBreaking news: Obama quits smoking. ... Breaking news: Obama quits smoking. Share. posted at 5:30 pm on February 8, 2011 by Allahpundit printer-friendly � He had to do it. If his system wasn't in peak shape, he'd never have been able to ...
iLounge news discussing the Verizon iPhone 4 antenna problems persist (video). Find more iPhone news from leading independent iPod, iPhone, and iPad site.
Fox News pundit claims that "increase in rapes" is due largely to videogames.
bench craft companyBreaking news: Obama quits smoking. ... Breaking news: Obama quits smoking. Share. posted at 5:30 pm on February 8, 2011 by Allahpundit printer-friendly � He had to do it. If his system wasn't in peak shape, he'd never have been able to ...
iLounge news discussing the Verizon iPhone 4 antenna problems persist (video). Find more iPhone news from leading independent iPod, iPhone, and iPad site.
Fox News pundit claims that "increase in rapes" is due largely to videogames.
bench craft companyBreaking news: Obama quits smoking. ... Breaking news: Obama quits smoking. Share. posted at 5:30 pm on February 8, 2011 by Allahpundit printer-friendly � He had to do it. If his system wasn't in peak shape, he'd never have been able to ...
iLounge news discussing the Verizon iPhone 4 antenna problems persist (video). Find more iPhone news from leading independent iPod, iPhone, and iPad site.
Fox News pundit claims that "increase in rapes" is due largely to videogames.
bench craft company bench craft company bench craft company
bench craft company bench craft companyBreaking news: Obama quits smoking. ... Breaking news: Obama quits smoking. Share. posted at 5:30 pm on February 8, 2011 by Allahpundit printer-friendly � He had to do it. If his system wasn't in peak shape, he'd never have been able to ...
iLounge news discussing the Verizon iPhone 4 antenna problems persist (video). Find more iPhone news from leading independent iPod, iPhone, and iPad site.
Fox News pundit claims that "increase in rapes" is due largely to videogames.
bench craft company Everyone is exposed to finance at one time or another -- be it in either their personal or professional lives. Personal finance, finance and managing your money is somewhat scary and daunting for a lot of people, so if you are one of these people then look no further as here is just a bit of guidance and a few suggestions as to how you can manage personal finance.
1. Know what you are dealing with and what you are doing. All finance is a risky business, so know what you are signing up for, taking out and doing.
2. Keep accurate records. Keep up to date, clear and concise records of all of your financial dealings. This will help you manage your finances better as well.
3. Keep your eye on the game and keep ahead of the crowds. Don't always follow what everyone else is doing, as this might not suit you, your lifestyles and your needs. Do what you want and need to do to keep your personal finances on the right track.
4. Get professional advice. If you are unsure or anything or with anything then its always best to seek impartial professional advice and guidance as and when required.
5. Control your personal finances - Don't let your personal finances control you.
6. Set yourself personal finance goals, aims and targets. To make keeping financial records more fun, enjoyable and rewarding, why not set yourself personal finance goals, stick to them, reach them and surpass them.
7. Use and keep a spreadsheet of your finances, your incomings, outgoings and expenses.
8. Take advantage of the best bank accounts out there, from ISAs to current accounts. Fill your ISA first and then put any additional funds into a flexible saver.
9. Try to find out and/or take a credit card with a good low APR.
10. Shop around - when it comes to buying anything and everything, find the best deals out there and around and this will help you manage your personal finances even better.
11. Consider changing your bank or building society. If you are not getting the most out of your bank or building society then consider switching, or consider telling your current bank that you're thinking of switching to another provider and see what they can do for you or offer you, to help you stay with them.
12. Don't sign before you read. When it comes to anything, especially finance, its always advisable and recommended that you read everything and anything before you sign it. If you are unsure of any of the small print then seek professional advice.
I hope you have found this article both useful and helpful and I wish you every success when it comes down to managing your personal finances.
