Credit can be a powerful tool to help people achieve financial goals. Based on an agreement to pay for goods and services in the future, having access to credit allows […]
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Three Types of Debt and How It Can Affect Your Finances (Episode 151)
Listen to this episode: on Spotify on Apple Podcasts on Google Podcasts What you’ll hear in this episode: Not all debts are the same. In this episode, I shared the […]
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How Credit Can Help Improve Your Financial Health
My brother called last month, asking if I could help him pick a laptop for his daughter that she could use for her studies. Apparently, my niece’s school will continue […]
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The 5 Factors That Affect Your Credit Score
One of the most misunderstood and misused financial tools is credit. If you know how to use it, then it can help you achieve your financial goals faster. Otherwise, you’ll […]
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The Meaning of Debt-To-Income Ratio and Why It Is Important
In personal finance, your debt-to-income ratio refers to the percentage of your monthly income that goes to your monthly debt payments. As a financial planner, I typically use a person’s […]
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6 Early Warning Signs of Debt Trouble and How To Avoid It
People who are deep in financial liabilities didn’t just wake up one day and suddenly find themselves drowning in debt. Debt troubles don’t happen overnight. In most cases, it started […]
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Tips on How OFWs Can Get Out of Debt and Start Saving
It’s so easy for Overseas Filipino Workers to get a personal loan, especially in the Middle East. And this has caused a lot of them to become buried in debt. […]
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5 Tips on How to Motivate Yourself to Get Out of Debt
The constant stress and overwhelming feeling, that debt burdens you with are painful and frustrating. Just having that weight off of your shoulders makes getting rid of debt, worth it. […]
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FREE Download: Credit Card Debt Payment Calculator Excel Spreadsheet
If you own several credit cards and want to pay off your debts, then here’s a tool that can help you. This free download is an Excel spreadsheet that helps […]
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Are South Africans Taking Out Too Many Unnecessary Loans?
Today, I give way to a colleague who wants to share some thoughts on the state of personal debt in South Africa. His article starts below. A survey by Wonga.co.za […]
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Here’s a Video That All Debt Collectors and Collection Agencies Should Watch
People who are not able to pay their debts, especially credit card debts, will soon get a call from a collection agency. And that, in almost all cases, would mean […]
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Four Debt Payment Strategies Every Person Should Know
Do you have huge credit card debts? What are you doing to get rid of it? Most people just pay whatever they can afford every month, with some only paying […]
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