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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Finance:Personal Finance Articles from
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)?
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 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.
01/06/2018 09:16 AM
What Is Ripple and Why Has Its Value Increased So Rapidly?
With a 35, 000 % increase in value in 2017 and a market cap of over $118 billion, Ripple has become a much-debated topic among analysts and investors alike. But, what is Ripple? Is it like other cryptocurrencies? Why has it been on fire lately? Continue reading to get answers to these questions.
01/04/2018 04:01 PM
TR Binary Options ProOption
TR Binary Options offers one of the most innovative binary option tools on the market: the TR Binary Options ProOption. Learn how to make more money with ProOption now!
01/04/2018 03:43 PM
American Express Credit Card - Find the Ideal AMEX Credit Card for Your Needs
Did you know that American Express offers 9 credit cards in 7 types, with 3 kind of reward programmes? For a world that thrives on choice, there is something for everyone in the American Express credit card collection, though most of the cards are good for frequent flyers and fans of Singapore Airlines. Let's take a quick look at each card and its benefits.
12/07/2017 11:57 AM
Ideal Legacy Planning Strategies for Businessmen
Legacy planning is hard, especially for businessmen who want to leave a lasting legacy. Here are a few tips to make the process easier for them.
12/05/2017 10:23 PM
What Are Your Financial Resolutions For The New Year?
2017 is quickly coming to a close. It's a perfect time to renovate your financial life by making resolutions that can move you closer to financial freedom in 2018. Here are a few tips to get you started.
12/04/2017 09:54 AM
Focused Money
Money mistakes are the most common cause of financial independence.Learn about making smart decisions with money.
11/08/2017 02:59 PM
Why You Should Learn to Swing Trade, Even If You Have a Busy Life
I tried day trading once. I tried to fit it in between working 60 hours a week, continuous meetings and phone calls, coaching, volunteering for school, etc. Let's just say it didn't work out.
11/08/2017 10:13 AM
Traits And Skills of Bank Customer Service
Customer service is one of the most important parts of mobile banking. Banks are actually service based kind of business so many of the activities involve service elements. They do sell financial and banking products, but the tangible product is very little. The service manager's deal with service issues directly, but there are some jobs that have to do with service.
11/08/2017 10:12 AM
Telephone Banking And Its Popularity
Banks as well as other kinds of financial institutions provide telephone banking. It allows customers to perform different kinds of financial transactions on phone without necessarily going to the bank physically or going to the ATM. For this kind of banking, customers enjoy longer opening times and there are actually institutions that make the service available 24 hours every day. There are restrictions regarding the accounts accessed through this method and amount limits that one can transact.
11/01/2017 03:42 PM
How to Handle the Effects of Inflation During Pre-Retirement and Post Retirement
We often hear from our parents and grandparents that they used to buy movie tickets for Rs. 5. Milk that we used to buy for Rs. 13 few years back has doubled now. Have you ever thought why such change in price happens? The answer is inflation.
10/31/2017 03:58 PM
Are You Aware of These 4 Improbable Claims Often Made to Investors?
Buyer Beware "The buyer needs a hundred eyes, the seller but one". This proverb cannot be over emphasized as a buyer needs to be on his guard whenever he or she chooses to make a purchase of goods or services.
10/31/2017 12:04 PM
What Can Bring an Economic Boom to India?
How bad is bad? Or for that matter how much sugar is there in sweetness, really? Perhaps we rarely stop to think. Bad or good are more or less absolute to us, and we often refrain from probing further into their causes. Personal health is one area however, which we do not leave to chance. So why should we not do the same about our financial and economic health?
10/26/2017 10:25 AM
Equity Financing: The Accountants' Perspective
Deciding to finance business could either be by equity or debt is viewed in different ways by different stakeholders in every business. The Accountant also has a perspective on that which I have expressed an opinion on.
10/25/2017 04:13 PM
The Importance Of Financial Means
They say money can't buy happiness. That is not entirely true. In today's world in America and all around the globe, money is the predominate means to attain the necessities of life.
10/25/2017 08:45 AM
How Long Is 'Long Term' in Equity?
For someone running the last 100 meters of a 42 Km marathon, one sec can seem to be quite a time. On the other hand, to change a simple habit in your life, a decade may seem quite small. Long Term, therefore, is a relative term in life. But it is not so in equity investments. Whether it is mutual funds or stocks, we can define Long Term quite precisely, clearly and objectively - with logical data points. Let us see how.
10/23/2017 03:19 PM
Eight Habits That Can Drive You Into Poverty
Many people are driven into poverty not as a result of their circumstances of birth but as a result of their own habits. I have explained here those habits. Pay close attention to this articles. Perhaps it will help you to avoid those habits.
10/18/2017 08:00 PM
Interest Rates Are Rising in Canada - Should You Be Concerned?
Interest rates have been rising slowly over the past 6 months in Canada. If you have debt, should you be concerned? First of all, if the debt you have is credit card or private debt that carries a high interest rate (20% or higher), the interest rate changes will likely not affect this. For other types of debt, it depends on what it is. There are 2 stages in looking at this.
10/18/2017 04:22 PM
Universal Basic Income: Visionary or Wishful Thinking
Universal Basic Income, also known as UBI, social credit and Basic Income Guarantee, is not a new concept. However, it is being looked at newly by the State of Hawaii as a solution to how AI (artificial intelligence) is likely to take over many of their jobs.
10/18/2017 03:56 PM
The Lure of Easy Money: Islamic Finance in the Age of Capitalism
Money. Money makes the world go round, or, well, any direction you want if you own it. So, when it comes to easy money, boy, it makes the world go haywire! Easy money - that is earned without the sweat and toil, normally, required for earning a livelihood. Who wouldn't, at least, be tempted by it? Society and its priorities change with the seconds of the change in time. Whereas morality and integrity were of utmost significance at a time in an obscure past, the priority of society, today, is amassing heaps of wealth. One may question, why not? If, having more zeros after a figure in your bank statement, surely, means having a greater influence and a vaster dominion over the world, then why are you playing the guilty conscience card on us?
10/17/2017 09:47 AM
Money Advice: 20 Minutes Learning to Help Make You Rich
Money advice: What money advice can you learn in 20 minutes to help you become rich? Here discussed 19 wise money tips to make you rich painlessly but with ironclad willpower. Napoleon Hill wrote: "to become rich consist of doing." Thus, get the wisdom here and act on it. You will become rich.
10/09/2017 02:36 PM
Benefits of IFSC Bank Codes
With internet banking becoming such a snowballing phenomenon, banks have to ramp up the accuracy and safety of such transactions. One of the ways to do that is by making details such as the IFSC number of the participating banks a mandatory pre-requisite when conducting these digital transactions.

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