Reading Time: 2 minutesNot all debt is bad or hopeless. After all, some debts you have now are your investment for a better future. Of course, part of managing your debt is to track your expenses, budgeting your monthly income and boosting your savings and emergency fund. Whether you are struggling with a personal loan, a bank loan, […]
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Reading Time: 5 minutesTo live beyond your means simply means that you are spending more than what you can afford. Statistics show that most people are living from paycheck to paycheck without any kind of financial cushion. This was quite evident on the effect of the recent lockdowns on people’s financial lives. While we all deserve to spend
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Reading Time: 3 minutesThere is a price for borrowing money. Aside from the annual membership fee, one of the most important things that you should consider is the interest. This is how the credit card issuer earns money. Understanding the different credits and debits that go in and out of your credit card statement is one of the skills
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Reading Time: 4 minutesCredit cards can be a blessing and a curse. They allow you to spend for something even without cash on hand. However, if you don’t monitor your expenses well, you end up paying more than what you originally spent. If you don’t monitor your swiping sprees wisely, you could end up in credit card debt.
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Reading Time: 2 minutesDo you know what an asset is? How about a liability? Many probably have an idea on what they are but how many actually understand these terms? True, it might sound boring for many. Unfortunately, these terms are part of the basic terms that everyone should know about personal finance. A deeper understanding of these
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Reading Time: 2 minutesThe world is now officially on a recession. Businesses went bankrupt and millions of people have lost their jobs. Many people found themselves in deep financial troubles. Although It is impossible to undo the events of the past, it is still possible to improve your financial future through financial literacy. What you need to know for
Basics of Financial Literacy: What You Need to Know Read More »
Reading Time: 3 minutesYou have been working hard all your life yet you feel like your financial situation remains the same. You still struggle to make ends meet. What is it that you are missing? What can you do to change your financial life for the better? The answer is to define your goals. Setting financial goals is
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Reading Time: 2 minutesAs you pack your Christmas decorations back in their cabinet, the money that you’ve blown away during the holidays is now finally sinking in. The mere thought of looking into your credit card account balance may even petrify you. If it’s any consolation, you are not alone in your predicament.The holiday spending hangover is ranked
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