Personal Finance Information

Personal Finance Information

Money Saving Tips. Maximize Savings on Everyday Items!


Frugal living is more than a lifestyle. It's a passion.

Top 10+ Ways to Jumpstart your New Year's Finances!


Of course, these don't have to be done in any particular order! Just pick one or two that particularly apply to your situation. * Create your 2005 filing system.

Budgeting your Savings - Did You Let Your Piggy Bank Get Away?


I think most of us have at some point in our lives. Some how we forget to feed the little piggy.

Budget Planning - Its Elementary My Dear Watson


Does it feel like you have to be Sherlock Holmes to solve the mystery behind balancing your personal budget? Are you living a mysterious thriller where your realization of "financial independence and security" is a vicious repeating cycle of debt? Don't be afraid?..

Save Money on your Clothing Budget. Tame the Closet Monster!


Reducing the clothing budget was a serious challenge for me. Two pre-teen girls and a teenage girl certainly didn't make life any easier.

More Money? My Cup Runneth Over...But Im Still Thirsty


Most of us, especially those of us who have debtor's disease (if you have it you know what it is!), have commented or at least thought, "If I could just win the lottery, or sweepstakes, everything would be better." Unfortunately, even if that big dream did come true things probably would get worse instead of better.

How to Draw a Personal Budget that Works


Many people spend their little income haphazardly without any planning and end up getting broke before month-end. They then borrow to make ends meet and end up with more problems that they fail to repay their debts promptly.

5 Ways to Absolutely Destroy Your Finances!


Ben Stein has a book called How to Ruin Your Finances. To be honest, I'm not sure an entire book is needed on the subject-there are some fairly quick and easy ways to accomplish the task.

A Fresh Start for Family Finances in 2005


While 40% to 50% of us make New Year's resolutions on January 1-a ritual that has existed since ancient times-approximately 60% to 80% of us have already broken them by the end of February, according to researchers.It's still not too late, however, to reset the trajectory on your family's finances, experts note.

Money Matters: Strengthen Your Marriage by Putting Finances in Order


Did you know that 43% of all married couples argue over money issues, making it the major reason couples fight? If you and your spouse handle money differently, now is the time to talk, establish expectations, and draw up a financial plan.Money is a very big part of a marriage.

Organizing Your Finances - Thinking Outside the (Shoe) Box


If you're like most people, your personal financial records are most probably kept in less than "Good Accounting Practices" standards. For example, stashing old ATM receipts and hanging on to a stub showing what you paid for a pack of mints two years ago (cash, of course), might be filed with your paycheck stubs, credit card statements - paid and unpaid alike - as well as a few tax forms, a stray paper clip and a penny.

Kundalini Lessons - Money


I've been going through and interesting growth period lately that I thought I'd share, as some of the lessons were pretty profound (at least for me).I've written before about my awakening and the joys and tribulations since, and I've also mentioned that it's an ongoing process which, as far as I can tell, doesn't really end til you shuffle off this mortal coil.

Know Thy Finances


The first step to financial success lies in knowing your financial situation at any given time. There is an anecdote attributed to John D.

The Wright Place - Finances


Women have a love/hate relationship with money. Most of us do not enjoy dealing with it, yet we know not having finances under control will cause our entire family to suffer.

Whats The Truth Behind Your Finances?


Between 15 - 20% of people in our country (UK) own there own businesses. This statistic is on the rise thanks to the incredible invention of the Internet.

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04/08/2019 09:39 AM
10 Common-Sense Ways to Cut Expenses and Get Rid of Debt
These are just a couple of questions to ask yourself when figuring out how to cut expenses. Better budgeting doesn't mean you live a boring, restricted life or have to feel weighed down by money. It's actually the exact opposite! You don't need to turn over every penny to save on your monthly expenses. Try these unexpected ways to cut expenses and start to improve your credit score.
04/04/2019 09:25 AM
3 Biggest Downsides of Bad Credit
Quite an unpleasant feeling when you need an apartment, find the apartment but can't get the apartment because you have small debts holding down your credit scores. Low scores, for some, can really affect your day-to-day. Especially if you're dependent on your credit.
03/28/2019 09:06 AM
Empowerment and Equality and Your Finances
The slogan "girl power" has been used for decades to encourage and celebrate female empowerment, independence, and confidence. The term used most often relates to sports and employment; however, new studies are showing that women need to exert their girl power when it comes to finances and financial planning.
03/22/2019 01:49 PM
Keeping Your Passwords Safe Is More Important Than Ever
Do you keep using the same password and variation? Are you keeping those little lists on sticky notes or folded papers in your wallet? Read how we are working with clients to change their ways and create safe and secure passwords.
02/05/2019 04:42 PM
Great Stock Market Guidelines for a Successful Portfolio
Investing can sometimes seem like a tough thing to do. A lot of people want to see their money grow, but they aren't sure where to start. The stock market is a good place to invest your money, so if you want to learn more about how you can make a reasonable income through the stock market, then this article is for you.
01/24/2019 09:51 AM
What's Your Money Secret?
That secret recording, your secret recipe, or your secret talent! Everyone has a secret. Even in money matters. In fact, only a few people would really know your actual money records, spending habits, or financial history - and for sure there are one or two financial matters that you have been keeping to yourself... unknown even to your life partner. You probably had a spending or credit memory you've been wanting to forget; unfortunately, for money matters 'past is past' doesn't really apply entirely.
01/16/2019 02:00 PM
Prepping for the After-OFW-Life
If you're ready to retire as an OFW, or a Filipino who just started working abroad, you may want to consider reading this list of the working realities and the best ending story of an OFW's journey. Take a peek into the common realizations when you're finally working as an OFW, and see the list of the most realistic and recommended next steps after the OFW life.
12/12/2018 06:19 PM
Finding Your Financial Advisor
It is critically important to understand if your financial advisor will be acting as a fiduciary for you or, instead, seeking investments that are suitable for you. It is also important, though, to learn if this is a trusted person that understands your needs, offers an approach that feels comfortable, and has the experience you seek for your unique circumstances. To help navigate the sometimes stressful search, we have put together our top five recommended questions when seeking a financial advisor.
12/04/2018 04:34 PM
Control Your Finances The Easy Way
Too much month at the end of the money? Many people are faced with the problem of running out of money before their next payday. This is usually because they don't take the time to organize their incomings and outgoings and end up wondering what happened to their money. There are solutions to help you control your finances which have helped me over the years and now I want to share them with you so you can learn to control your finances the easy way.
11/27/2018 01:00 PM
November Is Financial Literacy Month
Most of us only think of literacy in relation to reading. This month is meant to bring awareness to the term Financial Literacy and what it means to everyone. It doesn't mean understanding how to look at your bank statement, but rather looking at your entire financial plan and understanding how it fits your stage of life.
11/20/2018 11:16 AM
Increase Your Income
Increasing your income is the only way to build wealth. The more you can increase your income the more you can save and invest later. The best way to increase your income is with your current income flow. Here is how you do it.
07/31/2018 09:04 AM
Russian Roulette: A Dangerous Financial Game
Sometimes those little hairs on the back of my neck would tingle, I'd notice them with dread and then pretend not to notice. Do not play Russian Roulette with your life. If you suspect financial hanky-panky, act quickly because when the money is gone, it's not coming back! Blame and ignorance do not pay the bills and debt collectors do not care.
07/24/2018 02:39 PM
Your Financial Checklist of Things to Do When You Retire
You've finally made it to retirement age! Congratulations! Now it's time to take a few smart financial steps so you can relax and enjoy your new-found freedom!
07/10/2018 08:19 AM
5.5 Steps on How to Save for Your Big Play
Save to invest into your big play. Do you have the financial resources to invest into the deal of a lifetime? Here are 5.5 steps to save for your next big deal.
07/09/2018 03:26 PM
Online Forex Trading - A Way to Enter in the Biggest Financial Market
The global increase in trade and foreign investments has led to inter-connection of many national economies. This and the resulting fluctuations in exchange rates, has created a huge international market for Forex, opening up another exciting avenue for trading.
06/30/2018 07:27 PM
The Secret Legacy Behind "Buy Term and Invest the Difference"
40 years after A.L. Williams started the "Buy Term and Invest the Difference" movement, a new study reveals how his legacy has affected the American family's financial health
06/21/2018 09:08 AM
Spend Money on Everything That Fulfills You
Very few things in life can provide fulfillment to the inner soul, and travel is one of them. When you combine travel with education, be it gaining or receiving the knowledge, it becomes a gratifying journey.
06/16/2018 10:37 AM
Reasons to Go Cashless and Ditch Paper Money
Going cashless can bring a lot of convenience to your life and make it easy to stay on a budget. More and more people are going this route and giving up paper currency all together. It looks like digital payments and cards can be used for everything. We've given you a few reasons why going cashless may be right for you.
06/12/2018 10:53 AM
Top Three Things You Should Do After Winning the Lottery
There's nothing wrong about using the money you earned from winning the lottery for pleasure like shopping, travel and others. However, keep in mind that it will eventually run out if you keep on spending. Before it happens, make sure that you have undertaken the following tips in order to avoid problems and to ensure that your cash is spent wisely.
06/04/2018 08:52 AM
Life Changing Investment Mistakes
This article is about the biggest Investment mistakes that can change your life entirely. Investment is the method of generating profits with the money we save. Money is the most important thing in any individual's life. Without money, no one can survive. Therefore we should start saving our money and start investing. Financial Planning is the first step to take. Financial Planning helps us to set us long term and short term goals and according to these goals we can create a plan and spend our money accordingly. If financial planning is not properly devised then we can make many mistakes which can affect our life tremendously. Some of the mistakes we make are discussed below.
05/09/2018 08:03 AM
How Does the 2018 Federal Budget Affect You and Your Family?
If you sat down at 7:30 last night to watch the 2018 Federal Budget Announcement, you may have found yourself a little overwhelmed. With so many figures and areas of taxation to get your head around, we have sat down, dissected and summarised the answers to the question you may be asking - "What's in it for me (and my family)?
05/05/2018 05:37 PM
How To Earn a Pretty Profit With Diamond Investing
One of the great benefits of owning a diamond, besides the status and luxury of the gem, is that it will never see its value decrease. Learn more inside my article.
04/27/2018 03:18 PM
Make Goal Based Investing to Realize Your Financial Goals
Life is all about setting different goals and achieving them one after another. As Tony Robbins said setting goals is the first step in turning the invisible into the visible. When each rupee you invest has a definite purpose behind it, is called Goal based investing.
04/25/2018 09:07 PM
Why Do More and More People Choose Online Payments?
Consumers are used to having instant connections with information, entertainment, other users through text message, social media and products they want to purchase. Since people expect that almost all their needs can immediately be addressed with the help of technology, it is not surprising that they would rather go for online payments and the businesses that accept them. The top reasons why people choose online payments are as follows: They get rid of geographical limits.
04/25/2018 09:06 PM
Online Bill Pay and How It Works
Online bill pay is fast becoming a popular means of payment among people who want to practice good debt management skills, and save on both time and money in the process. What exactly is online bill pay? Generally, it is a payment method that lets an individual carry out payment instructions to creditors electronically through a computer program.
04/25/2018 09:05 PM
Online Bill Pay and Its Benefits
For every one of us, there are several bills that are paid on a monthly basis. The list includes rent or mortgage, electricity, credit cards, cell phone, internet and cable, among others. Most people pay an amount in double digits.
04/23/2018 04:07 PM
How to Transfer Your SBI Savings Account From One Branch to Another Online
Those days are gone when people had to stand in long queues, fill forms, submit innumerable documents and then wait for several weeks to get their savings accounts transferred from one branch to another. With the help of internet, account transfer from one branch to another has become quick and hassle free.
04/18/2018 08:11 AM
Investment Strategy: The Investor's Creed Revisited
The "Investor's Creed" sums up several basic asset allocation, investment strategy, and investment psychology principles into a fairly clear, personal portfolio management direction statement. Through the application of a few easy to assimilate processes, you can plot a course to an investment portfolio that regularly achieves higher market value highs and higher market value lows while consistently growing both working capital and income... regardless of what is happening in the financial markets. So rather than rejoicing through each new stock market rally or lamenting each inevitable correction, you should be taking actions that enhance both your working capital and its income productivity, while at the same time, pushing you forward toward long term goals and objectives.
04/17/2018 03:05 PM
What Causes Volatility in the Pakistan Stock Market
For a long time, Pakistan's Stock Market was performing exceptionally well. Over the years of continued stable political and improved security indicator further strengthened the economic activity in the country. All of a sudden, political turmoil gripped the country in wake of Panama Leaks accusing head of the ruling party.
04/16/2018 02:13 PM
What Is Emotional Spending and Saving?
How you use your money is a reflection of your thoughts and emotions. Another way to say this is that you handle your money according to how you think and how you feel. When your thoughts and emotions are unbalanced or unhealthy, this will show up as unbalanced spending, addictive behaviour or irrational decision making.
04/10/2018 03:01 PM
The Power of Thrift
If you look up the word "thrift" on the Internet, you'll find that it's generally related to being extremely careful with money. But thrift is much more than that and that it's an extremely powerful way of life that you should give serious consideration to.
04/06/2018 10:23 AM
How Do Credit Card Companies Make Money?
A number of banks and financial institutions are offering credit cards nowadays. But how do these card issuing companies earn money from their credit card business? While fees and charges help the banks earn, here we will learn about the other ways how they make money from this venture.
03/29/2018 09:56 PM
Why People Rarely Get Rich Quick
The world seems like a huge ball full of endless opportunities to get rich but still millions, if not billions, of people are stuck in poverty. While some cases may be argued as sheer bad luck or misfortune, most people are simply not becoming rich because of various factors that will be highlighted. Most people don't become rich quick because of the failure to balance the paradoxical process that is full of contradictions, requiring a strategic balance of the various elements.
03/29/2018 09:54 PM
How Stress Affects Your Wallet
Worry and anxiety are probably the most operative words usable as descriptive vocabularies of the term stress. Do you have fear or anxiety clouding in any sphere of your life? Do you have professional or job-related stress?
03/29/2018 09:51 PM
5 Ways Being Overweight Costs You Money
Obesity is not only costly to your health, but being overweight also has adverse implications on your finances. Apart from the obvious medical expenses associated with treating health conditions such as diabetes and high blood pressure arising from being obese, here are 5 nonmedical ways being overweight costs you money. Loss of income Lost wages are the earnings an employee does not receive from their employer because they missed work or were unable to work for one reason or the other.
03/27/2018 10:16 AM
Actions to Do If You Want Your Personal Finances to Improve
The articles outlines 25 must take steps for people who are passionate about improving their personal finances this year. These steps if properly followed guarantee a boost in the individual's financial life.
03/11/2018 11:15 AM
How To Find The Right Financial Advisor For You
Finding the right Financial Advisor can be a difficult task. This articled explains 3 things you can do to narrow the search and avoid making mistakes when selecting the best Financial Advisor for you.
03/10/2018 01:12 PM
How To Save Money? Heres' 25 Money Saving Tips To Work On
How to save money? Probably searched by lots of people on Google, no matter what's his/her financial stature is. Earnings and utility differ from man to man, but there is hardly any person, who's not interested in knowing the ways to save money. Interestingly, it's the human ingenuity that lets him find out the best way to save money out of his own financial position.
03/08/2018 08:54 PM
Retirement Plan Needs to Address Financial Costs and Burdens of Aging
Late-Boomers and Generation X members should be well on there way to planning for a future successful retirement. One key area should be a plan to safeguard savings from the high cost of Long-Term Care. Longevity results in aging and health issues including memory loss. Caregiving is hard on family and paid care drains assets. Affordable Long-Term Care Insurance safeguards savings while reducing the burden on family members.
03/02/2018 09:53 AM
6 Financial Investments to Take This New Year
Every New Year usher new hopes, aims, and aspirations which are unique for everyone. When it comes to achieving financial goals, it is never too late to start though it is advised to start as early as possible to get better returns.
02/28/2018 10:57 AM
Equating Profitability With Cashflows: A Myth in Corporate Financial Performance
A business prime reason for existence is to make profit. But is it possible to make huge profit but have cashflow challenges? Which of this variable - profit or cashflow, is more important in business operations? If you have constantly been equating profitability with cashflows, then you must read this artilce!
02/27/2018 09:18 PM
Online Banking Has Changed the Way We Manage Our Day-To-Day Finances
The emergence of online banking has definitely changed the way we manage our finances. Online banking has many benefits with convenience touted as the major advantage. There are many more reasons to enjoy the perks of online banking at your financial institution. We have highlighted just a few.
02/27/2018 10:22 AM
Reinforce Your Business Plan With Sound Financial Projections
Strange as it may sound, the creation of financial projections is far more important and complex, than the actual results. More than merely the figures, it is the planning that matters. Or restated, it is the means to the end that matters here more than the end.
02/24/2018 07:23 PM
Looking for Money in All the Wrong Pockets
An incident happened this past week in which I am still scratching my head. Have you ever known you had something, but for the life of you could not find it? I will accede to the fact that occasionally, I do have a streak of absent-mindedness running through me. At times, I wish it would just walk. I was fairly certain I had an extra $20 in one of my pant's pockets. It was what I affectionately refer to as my "mad Money." My wife would be mad if she knew I had it. I do not remember where it came from but my real problem was, I could not find those pants. Usually, if I find money in my pants pocket there is only one explanation. I'm wearing somebody's pants, but not mine. The truth is, my pants rarely see any extra money. If there is an occasion when I do have money in my pocket, my pants get all excited and wrinkly.
02/22/2018 07:57 AM
The Best Financing Options For Consumers
There are many ways in which a consumer's purchasing power can be boosted to have value without many risks. There are different providers that offered different instant credit that can be used as they shop at different stores. In some cases, customers are allowed to get a loan and then pay in installments over a period of time that is predetermined.
02/06/2018 11:59 AM
My Grandmother's Advice That's Still Relevant Today
Our grandmothers lived at a time when financial security was not taken for granted. Most probably, money was short, job security was not guaranteed, bank loans were not available, credit cards didn't exist, and luxuries were few. We might think that our grandmothers were unsophisticated and that we're big shots now because we have a credit card, an overdraft facility and more expensive tastes. But our grandmothers (who were the ones who generally had to manage the family budget) knew a thing or two that we'd be well advised to learn from.
01/31/2018 04:28 PM
Understanding "Income Purpose" Investing
The list below describes some important characteristics and concepts involved with investing in income purpose securities. Familiarization with these will aid in the development of valid "performance" expectations. Doing so will also help develop an appreciation of this important (and somehow not too often mentioned) relationship: changing market values (in either direction) rarely have any impact on the income being generated by the security.
01/31/2018 11:42 AM
What All Should We Know About a Unique Taxpayer Reference Number?
A UTR (Unique Taxpayer Reference) number is a 10 digit number that is remarkable to it is possible that you or your organization. It recognizes you by and by with HMRC for things identified with your duty commitments.
01/22/2018 03:55 PM
The Stages of a Market Mania
What is a mania? It is defined as mental illness characterized by great excitement, euphoria, delusions and overactivity. In investing, this translates into investment decisions being driven by fear and greed without being tempered with analysis, reason or balance of risk and reward outcomes. The mania is usually running parallel with the business development of the product, but timing can sometimes run askew. The late 90's technology.com boom and today's cryptocurrency boom are two examples of how a mania operates in real time. These two events will be highlighted with each stage in this article.
01/09/2018 09:32 AM
The History of Money Revealed
As we go about our daily activities people all around the world are beginning to discover that our money no longer affords us as much as it once did. And a large majority of society subject themselves to longer hours at work with the thinking that 'making' more money will solve the issues. Unfortunately, efforts such as these will prove to be futile in the long-term.


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