Articles written by Todd Pheifer in Personal Finance

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About me - Todd Pheifer

I am the sub steward of Human Resources in the Business Channel. My work experience includes business, education, management, leadership, supervision, and customer service. I am excited to be part of the Helium community as we share ideas and strive to develop

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Personal Finance > Budgets & Saving Ways to increase your savings: 1 of 30
In theory, many people desire to increase their level of savings. However, in practice saving can be easier said than done and many consumers find themselves pushing the practice of saving to the bottom of the allocation list. Too often, other financial obligations seem more important, or people can succumb to particular tem... More..
Personal Finance > Investing Basics Painless ways to save money: 2 of 50
Life can tend to cost a lot of money, and people are often looking for ways to save a bit more on their monthly budgets. Unfortunately, people are used to simply spending more or putting household expenses on a credit card. Saving is something that the general public aspires to do but doesn't actually accomplish on a regular... More..
Personal Finance > Smart Spending Christmas shopping on a budget: 2 of 43
That big, beautiful catalog I remember when I was a child we would get large, thick Sears and JCPenney catalogs in the mail. As we got close to Christmas, I would get out a piece of paper and go meticulously through the toy section and mark down each item that I desired. It is humorous to think back on that now, as my list w... More..
Personal Finance > Credit Cards The number of credit cards young people should have: 1 of 21
Consumer credit card debt is one of the biggest issues in American finance today. People like their stuff, and credit cards can be the key to acquiring just about anything. Unfortunately, people make poor decisions on a daily basis and accumulate life-changing debt that can hamper them for years to come. Young people can be ... More..
Personal Finance > Budgets & Saving Making saving easier: 1 of 15
The idea of saving is not complicated. Most people understand the concept of putting money away and many will agree that it is a good idea. However, this does not change the fact that saving money is a very difficult exercise for a variety of people. Good intentions are fine, but they will not necessarily get money into the ... More..
Personal Finance > Budgets & Saving How to set up a budget: 5 of 72
Setting up a budget can be a major part of personal money management. It is also a very difficult task for some people as it requires time, structure, and self-discipline. In addition, it is often avoided because people fear that setting up a budget will be require them to adjust their spending behavior. Still, it can be val... More..
Personal Finance > Credit Cards Should credit card companies be targeting college students?: 3 of 40
You walk through the student union building and there they are: the credit card company with their table all set up, ready to sign up unsuspecting college students. And what wonderful free gift do they have for them today? A free t-shirt? A colorful tote bag? A wonderfully useful key chain? Regardless of the gift, students s... More..
Personal Finance > Investing Basics Family investing tips: 1 of 12
Investing is on the mind of most people, particularly those with families. Family investing can be a challenge, particularly in a world where credit and commerce are so easily accessible. Sometimes we get into trouble because of desperate situations or because we make decisions in the moment, rather than thinking things all ... More..
Personal Finance > Budgets & Saving Save money on stamps: 1 of 11
Cost cutting Even the stamp is under scrutiny for budget cuts. Watch your stamp collection, Grandpa. The kids might be looking to raid it for household cost savings. Despite that fact that a postage stamp is relatively inexpensive, the long-term cost can add up, particularly if many stamps are needed. Therefore, people are l... More..
Personal Finance > Smart Spending How to save money when you are in high school: 1 of 10
Saving money is about starting and maintaining good habits. These habits are particularly relevant to young people. The average high school student is in an odd state between dependence and freedom. On the one hand they are still in a situation where they depend on parents or guardians. On the other hand, they are starting t... More..