Lending is one of the biggest businesses in finance. Banks, financing companies, credit card companies, and government lending institutions all participate in it. We probably all need at least one loan in our lives whether home loan, car loan, salary loan, or personal loan. In these, we need to establish a good credit. In the […]
If savings is the foundation of wealth, bad debts are considered as the destroyer of wealth that can easily corrode you on your way to bankruptcy. Nowadays, it is no surprise that credit cards are one of the best sources of bad debts. Almost anyone owns a credit card. It is easily accessible and provides […]
Personal finance is the financial management of either an individual or family as a unit. This means that you are able to pay for day-to-day living expenses as well as unexpected emergencies while saving a part of what you earn for both investment and retirement for a brighter financial future. Unfortunately, many people don’t realize that […]
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, […]
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 […]
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 […]
One of the causes of financial burden of a lot of Filipinos is their credit card bills. With the availability of various credit cards issued by banks and the convenience of “buy now, pay later” cashless purchase, a lot of Filipinos enjoy shopping using their credit cards. Without proper credit card usage, it can lead […]
Happy New Year to all! Forgive me for not constantly updating my blog since I have been occupied with a lot of tasks at work lately. I had a coffee last night with friends after watching a movie. I was surprised upon knowing about their average monthly credit card bills. It’s easy to get credit. […]
With the rise of internet and e-commerce nowadays, almost everything can be done online. You can trade stocks online, you can shop online, and you can also pay your bills online. It provides convenience and saves you time and money. If you’re responsible for paying the bills, you probably know what’s involved – paperwork, clutter, […]
Credit cards are very popular among shopaholics. The convenience of swiping and doing cashless transactions make credit cards the best companion in shopping. However, an alternative to credit cards are debit cards. So what’s the difference and similarities between a credit card and a debit card? Both cards are used by cardholders to buy good […]
