Do you wish that your life does not revolve on the cycle of working-paying bills, and maybe a bit of splurging? You are not the only one. Many people find themselves working for years but still do not have a lifesaver fund in the bank. Like you, they are still struggling with how to make their personal finance secured and stable. What to do? Here are some tips that can help you get out of
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
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
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
