Steps to Manage a Household Budget


Maintaining your household budget is not easy, yet it is manageable. You may be surprised of the huge amount of effort moms exert just to make ends meet. Utility bills are also not getting any lower, which is why certain aspects of the expenses put into your home must be stretched, in order to fill…

Simple Tips to Build an Emergency Fund


Emergencies are always unexpected. Aside from injuries and possible property damages, you would have to deal with the emotional stress of handling whatever comes your way. Your best option would be preparation: assembling first-aid kits, insuring your properties, memorizing emergency hotline numbers, among others. Yes, while your full proof plan may be solid enough to…

Pera Padala 101: Ways to Manage Money Remittances from Abroad


OFWs are the modern heroes of our time. It’s a statement that may have been overused, but it definitely holds truth. It requires a lot of courage and determination to be away from your loved ones, in exchange of giving them a convenient and bountiful life. Needless to say, their sacrifices are worth it as…

Factors That Affect Car Insurance Rate


It’s your first time to get car insurance and you’re excited to receive a great deal. You think that this will definitely help you save in the long run; after all, insurances were made so that you may avoid major expenses in injuries, repairs and other property damages. However, there are things that insurance companies…

Benefits of Having a Fixed/Time Deposit Savings Account


A time deposit account may be more beneficial for you than any other type of bank account. Yes, various accounts have their own features, each with of their underlying pros and cons as well. However, if it’s your intention to save money, then this one may be your best option. Why would I even apply…

Ways on How to Get the Most Out of Your Business Loan


When accomplishing a loan for your business, surely you would like to use it wisely. It may have taken a great effort in getting the approval for your capital; however, it is a much tougher struggle in using your funds in the most budget-friendly way, making sure that not a cent gets wasted. There are…

Tips to Save on Car Insurance


Accidents happen. This is the main reason why many would avail of car insurance--to avoid spending big for damage repairs and possible hospital bills later on. There are various coverages in terms of car insurances, however, always remember that not all coverages are applicable for you. There are only a few that would save you…

Tips to Improve Your Chances of Getting a Small Business Loan


It’s tough to get rejected when you’re applying for a business loan. No approval, no business capital. Indeed, borrowing money for your business may seem complicated, as many are turned down, regardless of the type of business they have in mind. However, this doesn’t mean that your chances would always be slim. As a matter…

Tips to Choose the Best Personal Loan for You


Once in a while, we get the idea of getting our own personal loan to meet various needs. They are actually a preferred type of loan for some as they may pay off the loan within a set amount of time. Other than that, it may seem practical as it offers the feeling of financial…

Personal Loan 101: Bank Loans vs Private Lender Loans


Loans vary, depending on your needs and preferences. If you decide to open your own business, you would need capital, or the preliminary amount that you would use to startup your venture. You would like to start immediately, however, your savings aren’t enough to accommodate the overall capital itself. So you choose to borrow money…