For people, especially those with families, one aim in life is to have their own houses. There are many times, however, when even if you feel you need to have a house, you don’t have enough money to build one. And besides, even if you do, there are other expenses to think of — how […]
Filed under: home loans | 1 Comment »
Now that we’re through discussing scrimping and saving for ourselves, let’s discuss about saving for other people. If you have more than enough and would like to give to others, that’s great. However, that doesn’t mean you’ll shell out everything you have and give them all. For ordinary people, even giving to charities should be […]
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Last time I discussed about is a person can live earning below the minimum wage. Just like what I said before, “if you are earning below the minimum wage for now, scrimp and save up.” This is due to the fact that things change and in time you might need a lot more than what […]
Filed under: personal finance | 2 Comments »
I’ve been asked this question not too long ago. Can a person live earning below the minimum wage? Not the minimum wage of any particular country but the minimum wage in general. Let’s see…what does a human “need” in order to live? Let’s strip off all the icing from the cake and look only at […]
Filed under: personal finance | 1 Comment »
I talked about how to curtail and curb credit spending before. One of my suggestions was to stop bringing your credit cards altogether and opt to bring cash instead. And while I do maintain my stand on the issue, there’s the question of how much cash should one carry around. There are many aspects and […]
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Admit it or not, some of us are hopeless with our own personal finances. I know I am. I keep an Excel file of all my earnings and expenditures but I always end up missing a big part of where my money goes and of my finances generally. I cannot, for the life of me, […]
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I talked about credit reports and credit scores before. Just like what I said, having bad credit ratings could affect your future applications for loans and more credit cards (not that you need more credit cards if you’re already struggling to pay what you have). And truth is that, with plastic in your hands, there’s […]
Filed under: Credit Cards | 1 Comment »
Continuing on with the topic of student loans, did you know that you can avail student loan “forgiveness?” Yep, you read that right. That means you’ll be debt-free (or at least almost) if you go out of your way to be “forgiven” of your debts. It sure sounds a lot better than slaving away and […]
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Since we’re on the subject of student loans, why not go all out and discuss its subtleties and underpinnings. Taking out a student loan might make you a happy camper while you’re in school. When graduation day comes and you’re faced with the responsibility of paying them off, then you’ll probably find yourself liking it […]
Filed under: student loans | No Comments »
Life is hard nowadays. I can’t count the number of people who’d want to go to college but don’t have the resources to do so. Of course, they could work while studying but most often than not what they earn isn’t even enough for pocket money. Those who do get full scholarships sure are lucky. […]
Filed under: student loans | 4 Comments »
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