Are you headed towards a financial disaster? You may not know it yet but your current lifestyle could be leading you into a pit of debt. Financial problems usually creep and go unnoticed until it’s already too late and out of control. That’s why we need to be aware of the early stages of these [...]

Are you a credit card holder? If so, then you better practice some of these tips on how to keep your credit card secure. Protect yourself from financial losses by following these simple security tips. As they say, it’s better to be safe than sorry. Moreover, you should also be aware of your consumer rights [...]

Are you ready to get your first credit card or maybe thinking of getting a new one? If so, then here’s a guide to help you choose the right credit card for you. Don’t just fill out the first application form that’s been handed to you nor accept and use that pre-approved credit card that [...]

Are you planning to open a bank account? If so, then the first crucial step you need to take is to determine which bank is the appropriate one for you. There are so many banking institutions available nowadays that choosing the best one can be a bit confusing. However, this process need not be complicated. [...]

One of the best ways to see how financially healthy you are is to calculate your net worth. You do this by preparing a personal statement of assets and liabilities. This means determining the value of everything you own, getting the amount of all your debts and then computing the difference between the two. In [...]

I love credit cards and I couldn’t imagine my life without one. Yes, it may seem odd to read this from a personal finance blogger when many others have written how evil credit cards are. Personally, I believe that anyone who holds an aversion towards credit cards are missing out on one of the most [...]

Payday just came by and some of my friends were just plain happy to buy a little something for themselves last weekend. I was glad to tag along with them as they shop for new clothes and purchase other stuff they’ve been wanting at the mall. After a couple of hours walking and shopping, we [...]

This is the last part of this article, to read the first part, click here: The Relationship Of Obsolescence And Frugality Part 1. Aside from planned obsolescence, there is another type of obsolescence that’s being utilized by product engineers to maximize business profits. This is called perceived obsolescence. This type of obsolescence is where the [...]

Wikipedia defines obsolescence as the state of being which occurs when a person, object, or service is no longer wanted even though it may still be in good working order. The root word of this term is obsolete, which we all know is synonymous to being out of date. Furthermore, it is said that obsolescence [...]

How long will it take for you to become a millionaire? Let’s have a bit of fun today by trying this financial calculator. You will start by entering your Current Savings. Then look into your monthly budget and determine how much you can save in a month, enter this amount as your Monthly Deposits. In [...]