Personal Finance


6 Ways to Get Yourself Motivated in Saving

6 Ways to Get Yourself Motivated in Saving

Most students enter the real world when they reached the age of 20 or 21. That is when they enter the corporate race. This is also where the real challenge happens when it comes to saving money. You’re not dependent anymore on your allowance from your parents. You now earn your own money. With that […]


The Income Trap

The Income Trap

Have you ever wondered why some employees, despite their large paychecks, end up being broke? The reality is a bigger income does not necessarily equate to becoming rich. How many people have you heard winning millions in the lottery only to spend all of it in a few years to become bankrupt? How many celebrities […]


The Importance of Variable Life Insurance

The Importance of Variable Life Insurance

When you hear the words ‘life insurance’? What does it mean to you? Does it mean an additional expense on your budget? Or does it mean a product for your financial security? In most cases, people would either live too long or die too young. Both cases need to be addressed in terms of financial […]


Seven Money Habits of Truly Rich People

Seven Money Habits of Truly Rich People

Napoleon Hill said that “Riches do not respond to wishes. They respond only to definite plans, backed by definite desires, through constant persistence.” Being rich is not about having a lot of money. It’s about building wealth , keeping your money, and spending it wisely. Sustainability is the key difference between being rich and wealthy. […]


Tips to Financially Survive the Unexpected

Tips to Financially Survive the Unexpected

There are many situations that can arise that financially knock us off our feet. In the event of an accident or an illness, how will you deal with the financial fallout? There are several considerations to make well before this ever happens to you. This way, if you do end up falling prey to accident, […]


Financial Graces that Can Leave You In Financial Ruin

Financial Graces that Can Leave You In Financial Ruin

The recent recession left many people in financial ruin. In order to make ends meet, people had to do drastic things to their personal budgets. However, many people were actually taking money away from the wrong places and making their financial situation worse. No matter what your financial situation, there are some things that should […]


Accounting for your Savings

Accounting for your Savings

The recent financial crisis has brought home the importance of increased savings for many people. Of course, with interest rates provided by banks at a historic low, some people avoid saving even while they know they should. For those prepared to dig a little deeper in their pockets, the good news is that there are […]


The Difference Between Being Rich and Being Wealthy

The Difference Between Being Rich and Being Wealthy

Being rich and being wealthy seems to be synonymous as both involves having a lot of money. However, there’s a big difference between the two. If you notice, there are a lot of so-called ‘get-rich-quick’ schemes but there are no ‘get-wealthy-quick’ schemes. The main difference between being rich and being wealthy is knowledge. Wealthy people […]


Why Seasonal Spending Saves You Money

Why Seasonal Spending Saves You Money

Instead of waiting until the last minute to make a purchase, seasonal spending can be a real money saver. Sales come in cycles. You cannot sell ice creams on winter. Likewise, you cannot sell winter clothes on summer. Depending on the time of year and if you are a savvy shopper, you can take advantage […]


Free Online Calculators for Fixing Your Personal Finances

Free Online Calculators for Fixing Your Personal Finances

Calculators are essential part in managing our personal finances. As they said, numbers don’t lie. They tell you exactly how much is needed to reach your desired savings goal or payments of your bills. Through them, we can our keep track of our developments towards the goal that we aim. Ultimately, we need to save […]