Author: Nikki

About Nikki

Here are my most recent posts

Credit Card Terms For Beginners

The Bangko Sentral ng Pilipinas has stated that almost 7 million Filipinos use a credit card as emergency funds or rather for groceries. To first-time credit card holders, you must know important terminologies before you use it for traveling, online purchasing, dining out, and shopping. We understand that some of credit card terms can be so intimidating that you’d rather not to sign up to get one than to understand and get worried about your

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How to Make an Effective Investment Plan

If you have decided to secure your future by investing your hard-earned money in something you’re not exactly sure of yet, investment is a wise move if you want to guarantee the financial success of your future. It may be a little challenging, but most of your money will go someplace where you have no access to for a long time. Investment involves risks and what makes it different from gambling or speculation is that

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Comprehensive Definition of Personal Finance

Because of the economic slowdown we are experiencing today, personal income and salary continue to provide us with the financial power to purchase basic goods and services. For a fact that the national economy is not doing well, the need to apply principles of finance in managing our monetary resources has tremendously increased. Defining Personal Finance Personal financing pertains to the strategic planning and management of earning, saving, spending, and budgeting the financial aspect of

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Why Track Your Spending?

Have you ever noticed that no matter how much money you make in a month, there is never enough? You most likely know how much you earned last month, but do you know how much you spent? If you don’t, you are not the only one who doesn’t. According to a financial survey, most people spend 10% more than they make! Why is it hard to track spending? It is difficult for people to track

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