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Welcome To Money Smart Guides!

Overwhelmed by debt? Want to make investing a breeze? The goal of this site is to help you get out of debt and start investing for your future. If you are unsure where to start, click here to begin. I will break everything down for you in small, obtainable steps so that you can take control of your finances once and for all.

Forex Trading: The Risks And Rewards

forex trading currencyAwhile back I wrote a post about my introduction to forex trading. At that time, it involved setting up a play account for my international finance course and to make trades throughout the semester. It was an interesting experience trading forex and I was lucky enough to end up making some money. I say lucky because I had no clue what I was doing. After all, I am mainly a buy and hold investor.

Recently however, I was out with a friend and we got to talking about investing. He too is a passive investor but wants to set up a play account and start forex trading. In his case though, he will be using actual money. He knows that I am well versed in the investment industry and wanted to know what the risks and rewards were to getting involved in forex. I told him I would do some research on it and get back to him. Below are the risks and rewards I found when forex trading. [Read the full article]

8 Free Excel Spreadsheet Templates

Personal Budget

In honor of America Saves Week, I want to talk about budgeting today. I know, I know, budgeting isn’t the most glamorous thing in the world. But it is needed if you ever want to attain financial freedom. Too many people are stuck in life because they have no clue where their money is going. … [Read the full article]

8 Ways To Pay Off Student Debt

student debt

Student loans suck. There is no sugar coating it. But, student debt is for most, a necessary evil if we want to go to college. While there are tons of ways to avoid student debt in the first place, I am not going there with this post. In this post, I am going to be talking to those who already have … [Read the full article]

5 Great Cheap Valentine’s Day Ideas On A Budget

valentine's day

What options will you consider if you find yourself with an empty wallet as Valentine's Day approaches? If you are like some people, you may max out your credit card. While an expensive gift would certainly wow your partner, going into debt because of it will eventually put stress on your … [Read the full article]

A Reader Writes: Financial Advice for 20 Somethings

financial advice for 20 somethings

I received the following email recently from a reader who needs some help. I post it as I feel the question is common for many recent grads and I can talk about financial advice for 20 somethings: Hi,I just graduated college and received a job offer from a great company. I'll be making $40,000 … [Read the full article]