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Where are all the money blogs? Long time passing … just joking, there are hundreds, thousands of money blogs out there. Nobody could possibly follow all of them. So, which ones are worth reading?

I have been on a crazy quest lately. Crazy because in reality the task is endless - finding other blogs about money. Many people are running blogs about finances on the internet, but some of them are utter rubbish. Honestly, if you follow some of the advice from these so called “experts” - or at least you’d hope someone blogging on a topic was an expert, but then again, who knows … but anyway, follow some of this advice and you’ll be broke in no time! It’s important to educate yourself about money, but make sure you’re getting your education from somewhere useful. Garbage in, garbage out, and all that.

As part of my non-comprehensive random-walk survey of money blogs online, may I present a small selection of the results for your delectation? I have avoided the obvious mega-blogs powered by media and other vested interests. read them at your peril. But apart from that, we range from the tiny and specific to the eclectic and very amusing. Enjoy.

I have been reading a fairly comprehensive blog about credit cards, debt consolidation, refinancing advice, investment strategies and wealth building. The general level of intelligence in the posts is a notch above the average internet page. One of the problems with the internet is that any fool can write and publish any article on any topic, and Google’s quality checking alogrithm doesn’t measure the intelligence of the content, just its relevance and uniqueness.

Here’s a neat little blog covering a range of financial topics including interest rates predictions, debt consolidation, refinancing, investing, reducing expenses, reducing monthly payments, vehicle refinancing, and wealth creation. It’s pretty new, so we shall see how it develops, but the start is promising. There is some original thought going in here - I know! Remarkable, isn’t it?

I think that most consumers could benefit from reading about making money, saving money, investing money, refinancing advice, debt reduction, debt consolidation and financial independence on a regular basis. Money blogs are not the only way to gain this information, but they are convenient, provide bite-sized chunks of information, and if you choose well, provide reasonable quality information. Generally they are written in a readable style and break the information into small enough chunks that you don’t get overwhelmed.

I would recommend keeping an eye on the blog at moneytalksabout.com/blog. This blog pulls together RSS feeds from several other good quality money blogs, which saves time and effort in surfing around the internet to each blog. There are good quality original posts from time to time, as well, and Money Talks has a good reputation for no-nonsense content.

As you can imagine, this handful of recommendations is not going to cover the full gamut of money blogs. Quite apart from the existing crowd, new money blogs come into existence every day. There will be hundreds of undiscovered gems available elsewhere. Please add a comment with the URL of your favorite blogs about saving money, investing, reducing debt, paying off credit cards, creative refinancing ideas, interest rates predictions, debt consolidation, refinancing, investing, reducing expenses, reducing monthly payments, vehicle refinancing, and wealth creation, and tell me why you like them. I look forward to hearing your thoughts - and learning something new!

Where are all the money blogs? Long time passing … just joking, there are hundreds, thousands of money blogs out there. Nobody could possibly follow all of them. So, which ones are worth reading?

I like this blog, which covers financial advice, personal finances, mortgage advice, financial news, investment advice, financial advice, mortgage rates predictions, financial planning, debt reduction, and how to be debt free. There are some very thoughful posts in here, and it’s rare that you find a money blog these days that actually says something you don’t already know. Well, it’s rare for me, and I am sure it’s rare for you, my discriminating reader, as well.

Some blogs try to cover to broad an area, and you find posts about basketball and baby poop interspersed with the financial articles. This one is not like that. It’s broad in the range of financial topics it tackles, but remain focused on money, finances, and investing.

I have been reading a fairly comprehensive blog about saving money, investing, reducing debt, paying off credit cards, creative refinancing ideas, interest rates predictions, debt consolidation, refinancing, investing, reducing expenses, reducing monthly payments, vehicle refinancing, and wealth creation. The general level of intelligence in the posts is a notch above the average internet page. One of the problems with the internet is that any fool can write and publish any article on any topic, and Google’s quality checking alogrithm doesn’t measure the intelligence of the content, just its relevance and uniqueness.

This blog has some good thoughts, reasonably well expressed, and that sets it head and shoulders about the average Adsense-financed “wall of words’ junk content that is proliferating around the internet on a daily basis.

Worth a look is this blog about pretty much all personal finance topics - financial advice, personal finances, mortgage advice, financial news, credit cards, debt consolidation, refinancing advice, investment and wealth building. The occasional post might be too specific to be of interest to a broad market, but most posts will be at least mildly interesting to the average reader, and there is an occasional gem as well. Make sure you check the archives, because you can find timeless material that is quite useful hidden in the depths.

It’s particularly good on strategy, and thinking about your overall financial situation. Any individual tactic is just a piece of the puzzle, and without a co-ordinated financial plan you cannot possibly get the best benefit out of any given tactic.

I think that most consumers could benefit from reading about how to save money, ways to earn extra money, how to reduce debt, how to reduce mortgage payments, ways to reduce credit card debt, and how to become debt-free on a regular basis. Money blogs are not the only way to gain this information, but they are convenient, provide bite-sized chunks of information, and if you choose well, provide reasonable quality information. Generally they are written in a readable style and break the information into small enough chunks that you don’t get overwhelmed.

I would recommend keeping an eye on the blog at moneytalksabout.com/blog. This blog pulls together RSS feeds from several other good quality money blogs, which saves time and effort in surfing around the internet to each blog. There are good quality original posts from time to time, as well, and Money Talks has a good reputation for no-nonsense content.

As you can imagine, this handful of recommendations is not going to cover the full gamut of money blogs. Quite apart from the existing crowd, new money blogs come into existence every day. There will be hundreds of undiscovered gems available elsewhere. Please add a comment with the URL of your favorite blogs about how to save money, ways to earn extra money, how to reduce debt, how to reduce mortgage payments, ways to reduce credit card debt, and how to become debt-free, and tell me why you like them. I look forward to hearing your thoughts - and learning something new!

The most important thing for you to remember about benefiting from offshore tax havens is that the control and management of the tax generating entity (be it a Foundation, Company or even a Trust) itself should be in the low or zero-tax jurisdiction. There are many corporate service providers that can provide this service. Many big companies use offshore structures to maximise their profits whilst ensuring their prices are rock bottom for the end consumer. In the UK a number of supermarket stores have been frowned upon and heavily criticised for their methods of tax effective savings – no matter that they supply their goods at reasonable costs for shoppers as well as providing employment within the country of sales.

Several jurisdictions considered to be “high-tax” including the United Kingdom and Germany have tried to attract headquarters’ offices and functions using an idea called the ‘coordination centre’. What was originally used in Belgium is now seen in many countries throughout the world. Essentially, the high tax country will allow a resident corporation to continue its functions outside the normal tax laws. It is then able to use functions such as cross border intra-group trading or “re-invoicing” to escape any withholding tax or other taxes. The taxation of coordination centres is ‘by agreement’ between the corporation and the host country and is widely minimal. This is just one of the ways in which high-tax jurisdictions, which are against low-tax areas, are also playing the same tax game themselves.

Who Else Can Benefit From Offshore Low Tax Jurisdictions?

I’m sure you don’t know that some of the most famous names in entertainment, music and film have benefited greatly from the use of offshore Companies and Trusts? Many of our well known celebrities take advantage of offshore structures to save tax and protect their assets. For example, members of the Rolling Stones (Mick Jagger, Keith Richards and Charlie Watts) use offshore Trusts to make sure that they pay only 1.6 percent of all income earned, that’s amazing! They keep 98.4 percent of all their income! (This is according to the Dutch documents that were recently published showing their tax affairs and the offshore structures involved). It’s brilliant news for them, but it’s not only the mega rich & famous that can utilise offshore structures to save tax. There are many ways for up-and-coming businesses or moderately wealthy individuals to minimise their tax requirements and legally protect their assets from litigation or economic instability.

Whilst you may never be able to reduce your tax bill down as low as the Rolling Stones 1.6 per cent (unless of course you take the decision to become a tax nomad and exile yourself from your home country) it is entirely possible for normal people like you and I to have an offshore Company or Trust within a financial management strategy that can reduce taxes, protect your estate and protect your assets in a confidential yet legal way.

The internet is loaded with blogs about money. Let’s face it - we need the help! We’re not taught much about money in school, and we definitely need to know a fair bit about financial issues just to keep our heads above water these days. But which of these blogs are worth reading?

I like this blog, which covers interest rates predictions, debt consolidation, refinancing, investing, reducing expenses, reducing monthly payments, vehicle refinancing, and wealth creation. There are some very thoughful posts in here, and it’s rare that you find a money blog these days that actually says something you don’t already know. Well, it’s rare for me, and I am sure it’s rare for you, my discriminating reader, as well.

Some blogs try to cover to broad an area, and you find posts about basketball and baby poop interspersed with the financial articles. This one is not like that. It’s broad in the range of financial topics it tackles, but remain focused on money, finances, and investing.

I don’t like to play favorites, but this new blog is shaping up to be one of mine, I think. It’s pretty comprehensive, tackling how to save money, ways to earn extra money, how to reduce debt, how to reduce mortgage payments, ways to reduce credit card debt, and how to become debt-free, and I am looking forward to seeing how it develops. I think you need a broad mix of topics to truly cover planning for financial independence, and a range including credit cards, debt consolidation, refinancing advice, investment strategies and wealth building is just the ticket.

I like the references to authors like Suze Orman - it’s always good to see bloggers making references of any kind, rather than spouting opinions as though they have sone God-given right to give advice ex cathedra. And Suze’s advice is good and solid, timeless no matter what chaos is breaking loose in the financial markets.

I’m deviating a little here, because generally I go for broad-based money blogs which offer a selection of topics, posting about credit cards, debt consolidation, refinancing advice, investment strategies and wealth building. In this case, though, I’m making an exception. Sometimes, a tightly focused blog can give you more detail than a broader blog, and that can be very valuable in itself.

This is a blog about credit cards - credit cards, debt consolidation, gift credit cards, credit card interest rates, best credit cards, credit card debt, credit card payments, credit card issuers, and how to reduce credit card debt. When you take a topic like credit cards, it is quite fascinating to delve into the depths of knowledge about a laser-focused topic. Gift credit cards, for example - I had never given them a second thought, but the pitfalls there are incredible! Credit cards are one of the largest financial hurdles in our modern life, and one of the most poorly-understood mass financial instruments. Any education about credit cards is good, but this blog is particularly comprehensive.

In general, I would recommend keeping an eye on the blog at moneytalksabout.com/blog. This blog pulls together RSS feeds from several other good quality money blogs, which saves time and effort in surfing around the internet to each blog, and the posts which are made directly to the Money Talks blog itself, in between the syndicated posts, are always good value.

I think that most consumers could benefit from reading about credit cards, debt consolidation, refinancing advice, investment strategies and wealth building on a regular basis. Money blogs are not the only way to gain this information, but they are convenient, provide bite-sized chunks of information, and if you choose well, provide reasonable quality information.

Of course, this handful of recommendations is hardly the be-all and end-all of money blogs. New money blogs come into existence every day, and there will be hundreds of undiscovered gems available elsewhere. Feel free to add a comment with the URL of your favorites, and why you like them. We can all help one another to sort the wheat from the chaff, and together we can pinpoint the best money blogs to be reading today.

Don’t you just hate having to track your finances. It is one of those things that we all hate to do but is essential for our financial health. Tracking our finances is the only to know if we staying within our available funds for the month.

Here are 5 tips that you can use to keep your checkbook up to date:

The main thing you need to follow these suggestions is your checkbook ledger. Each box of checks should include one. You use the ledger to record your starting balance and your withdraws and deposits. You also use it to record other transactions such as ATM transactions, interest earned, and any banking fees deducted throughout the month.

1. Keep all receipts. The primary reason we track our finances and balance our checkbooks is to reconcile all our weekly or monthly expenses. Keeping receipts can help us to remember to record a transaction.

2. Record all transaction at the end of the day. I know that this is not always possible since many of us are very busy, but it will be a lot harder and take more time if you leave it all for the end of the month.

3. Your bank balance is not always correct. Do not put all your faith in what your bank says your balance is. The bank can sometimes be a day or so behind what your ledger says since transactions may not have posted. If you are diligent about recording your transactions you can be assured that the balance in your ledger reflects how much money you actually have.

4. Reconcile your bank statement monthly. At the end of the month when you get your bank statement check it against all the transactions your recorded in your ledger over the month. Remember to enter any transactions on your statement that is not in your ledger such as your monthly interest and any bank fees your were charged. Check of each transaction as you find it in both your statement and your ledger.

5. Record all your direct deposits and any automatic withdraws or payments that you have scheduled. These are some of the items that are easily forgotten since you don’t usually see them. Verify that your direct deposit matches your pay stub from your job.

It is sometimes easy to lose track of how much money we have and end up overspending. That is why it is so important to keep a record of all your monthly transactions in a timely manner.

Believe me, once you start to use some of the ideas you will have things much easier and you will on top of your finances.

This is only one exercise to ensure that you are in good personal finance health.