Monthly Archive:: June 2014
The 4th of July is coming and like the majority of Americans, you may be planning to throw a party for the celebration of the independence of the USA. You can still have a fun party without getting broke. There are practical things that you can do so you can save money on this big
It’s important to have a life insurance, especially if you have your own family or you are the breadwinner of the family. This will ensure that your loved ones will be able to survive and live a comfortable life even after you’re gone. This may be an added expense on your personal finances, but this
Bad financial habits can negatively affect your personal finances. Just like any other habits that you’ve already been used to, it can be difficult to eliminate them. However, if you are committed to improving your finances, with your dedication, it can be possible. Here are some of the most common bad habits when handling finances
While being frugal and cheap may sound the same, there’s a fine line that separates the two. Both would like to save money, but in different ways. Frugal individuals would not sacrifice the quality of products purchased over the price, while cheap people only think about the price. Moreover, thrifty people would spend more money to
It’s nice to dine out with friends every now and then. It could serve as a bonding moment and it’s also a great way to distress and forget about the problems that you may have at work or at home, at least for the mean time. Since eating at a restaurant doesn’t come cheap, there
Your credit score is very important as it plays a big factor in the approval of your future loans. Most lenders check on credit records before deciding if they would lend a specific amount to the borrower. If you have a good credit rating, there’s a bigger chance that your loan will be approved. There
Before walking down the aisle and saying “I do”, it’s important to talk about some money matters in advance. You may still be elated with the fact that your partner slash fiancé proposed to you and this may be an awkward topic, but you’ll thank yourself for braving to open it up before the marriage.
Even when you dine out with your closest friends, it may still feel awkward at times to talk about how to split the bills. However, this is an important thing to consider since not everyone may be in the same financial situation. Furthermore, not everyone in the group may be ordering the same meal, so the
When lenders are unable to collect what the borrowers owe, they often hire a debt collector to do the collection. They may also sell the debt to a debt collection agency, which then contact the debtor to request for payment. If you received an e-mail or a call from a debt collector, it could be
Many people nowadays rely on loans for big purchases and for emergency situations. You’ll never know when you would need to borrow money that’s why it’s important to maintain a good standing on your credit score. A good credit score will make it easier for your loans to be approved. Moreover, your interest rate will