Should You Pool Your Money with Your Spouse If you are combining your money, then you are in good company, because about 80% of couples do so. It seems to hold true no matter whether both partners are working or one is a stay-at-home parent. Most importantly, it offers many benefits for married couples. This […]
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4 Actions to Prevent Card Scamming
While certain types of crimes are down during this crisis, card scamming has increased. Perhaps it’s because it is a crime which can be perpetrated at home using a computer. Nevertheless, while you are likely to be distracted due to the crisis, now more than ever, please be vigilant to avoid being a victim of […]
Read MoreStep by Step: How to Prepare a Budget
The steps involved in how to prepare a budget can seem quite straight-forward to some people, however, it may not to others. Understanding basic, such as how to prepare a budget is a critical skill in personal finance. And now due to the current economic and social changes, understanding the basics of how to prepare […]
Read MoreWhat is Personal Overspending?
Personal overspending is when you spend more money than you earn. While there can be months where your expenses exceed your monthly income that does not necessarily mean you are overspending. Because it is offset by months where you spend less than you earn. In other words, your income does not support your life-style. It […]
Read MoreIs It Okay to Carry Credit Card Balances
No, it is never okay to carry credit card balances. This is one of many key ingredients, such as understanding your cash flow or your net worth in order to be or become financially sound. Fiscally responsible adults know that they should never carry credit card balances. However, it is not fully understood why it […]
Read MoreQuickly Lower Your Credit Card Debt
Did this past holiday season spending cause your credit card balances to increase? Maybe it wasn’t the holiday spending but other expenses that now makes you wonder how you can quickly lower your credit card debt. No matter how the balances increased, you now have higher monthly minimum payments due. You may have been struggling […]
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