A Personal Finance Blog
I just thought that today we should start on a lighter note by sharing funny and serious credit card quotes. These have been drawn from the saying of some very famous people from various countries. Almost everyone nowadays has a credit card and the levels of consumer credit card debt are rising rapidly to a … Read more
Pay off debt or invest – which one is better? This is a very tricky question to answer as it depends on a number of factors that I will discuss later on. I should point out that I am a big advocate of people avoiding getting into debt in the first place. I actually believe … Read more
Should there really be expenses you should never put on a credit card? I would submit that yes, some expenses should never have any place on that beloved card. In fact, I am not really a big fan of the use of credit cards. This is because this card has caused more harm than good … Read more
It has taken me a few days to come to this point when I am writing this post, “I Need Money Now: Ways To Get Cash Immediately. It is such a wide subject with all sorts of “landmines” as we are dealing with someone in desperate need here. I know for sure that almost all … Read more
A few days ago I found a post that had some amazing motivational debt free quotes. I immediately decided to find some quotes to share with my readers. The quotes are from politicians, ministers of religion, philosophers, etc. It is my hope that these quotes will go a long way in motivating towards the goal … Read more
I wanted us to deal with the issue of how to deal with creditors when you can’t pay. It may sound a remote possibility for many but events of the last few years have shown that no one is immune from this. It is therefore important that we all learn in advance on what we … Read more
I thought that it might be a good idea today to discuss tips for buying your first home. Believe it or not, this is an issue that many first time home buyers make “schoolboy” mistakes. If you think I am lying you just go back in your memory lane to the subprime mortgage crisis to … Read more
In this post, we are going to discuss how to calculate APR (Annual Percentage Rate). APR should be a familiar term for anyone who has required finance when purchasing goods. In some countries, lending institutions are forced to indicate the APR and not just the base rate of interest. In taking out any form of … Read more
In this post, we want to explain some important credit card terms that every credit card owner should understand. Because most of these terms are not in everyday English usage it is very easy to misunderstand them. Terms such as APR are very important terms that need to be understood before the credit card company … Read more
Have you ever wondered as to what is the best way to pay credit cards off? Credit card debt can be in a nuisance when it gets too high. Besides payday loans which are in a different class of their own, credit card debt is expensive. The average interest rate can go as high as … Read more