Teenage is a period when the temptations to spend seems to be at the peak levels. Postponement of saving is another common phenomenon. How you manage your money at this age will influence how you manage your life, when you grow up to be an adult. So, here are a few simple techniques for effective […]
How to Repay a Mortgage and Live Peacefully
You can repay your mortgage loans without any risks if you follow the simplest guidelines we have listed here. Early and delayed repayments may attract penalty in some of the lending companies. So, you have to plan your repayment exactly according to the plan given by the lending company. But there could be some issues […]
3 Ways to Make Extra Money without Sweating
You can earn extra income from the comfort of your home by choosing any of the three simplest ways we have listed in this article. You need to have some special skills, extra time after /before your main profession, and the willingness to meet the client deadlines on every assignment. Freelance Writing Freelance content writing […]
How to Prioritize Spending
Personal spending can be categorized into fixed, periodic, and variable types. Fixed spending includes rent/mortgage, school fees, taxes, insurance, utility bills, groceries, etc. Periodic spending may include subscriptions (TV, newspapers, etc). Variable spending may include vacation, gifts, hobbies, etc. These are the spending which you may not be able to avoid. So, you need to […]
How to Develop Short and Long-Term Financial Plans
Savings and investments are the two ways in which you can make short and long-term financial plans. Banks are credit unions offer you plenty of options for savings. Investments should have low risk and continuously paying returns. You may choose from stocks, retirement plans, insurance, dividend reinvestments, and the bond funds. Savings – When to […]
How to Use Credit Cards Efficiently
Credit Card Benefits Credit cards help you build your credit-history within the maximum limits. They help you handle many of the emergency and unplanned expenses. They can win you rewards like cash-back,discounts, and gifts. When you repay your credit-card balances on time, it can be helpful in securing personal and mortgage loans. Banks and financial […]
How to Create More Earning Opportunities
The first step to creating more earning opportunities is to manage your time efficiently and effectively. Your morning schedule should start at the earliest possible hour. Calculate the free time you spend at home before going to work. It should also include the free time after work and going to bed. Salary and Satisfaction Index […]
How to Stop Being a Spendthrift
Compulsive spending is stated to be a behavioral disorder which is often accompanied by psychological depression and anxiety. The individual may not stop until the last penny in the wallet is shelled out or the credit card limit is reached. Of course, it is an extreme case we are referring here. You may observe the […]
What is the Best Personal Pension Plan
When will you start planning for your personal pension? How long and how much can you invest every month for ensuring a healthy ROI? Are you an employee? Is there an employer-sponsored pension plan in your workplace? If yes, what is the monthly pension you get after retirement? Can it meet your personal and family […]
What are the Intelligent Investments of the Future
Probable Future Investment Goals Future could mean 5-10 years, 10-15 years, or 15-20 years from NOW,depending on the specific needs and wants that define your goals. Your goals are essentially defined by your age. It is obvious that you may not plan for your retirement benefits at the age of 13. So, we have listed […]