Most every small business wants to have access to as much capital as possible for growth, daily operations, and exigencies. There are always times when a business endures a cash crunch – a period where money is tight and bills are mounting. During these times, chance favours the prepared business owner. Business lines of credit […]

Most people know that it’s sensible to make a will and to review it from time to time. So it’s shocking to realize from research done in 2016 that most Americans have no will at all, let alone an up-to-date one. Older and richer people are more likely to have a will, but a quarter […]

How should you buy your next smartphone? Is entering into a payment plan the way to go, or should you pay for it all in one go and own it outright? Lots of factors enter into this decision, including your financial situation and how often you want the latest smartphone model. Yes: Own It Before […]

Working on your monthly budget can seem like a lot of work and is not likely to be something that is at the top of your list.  Once you are out of high school and into college, there will be less time for making money as you spend more of your time studying to earn […]

One of the first reactions parents have when they hear their son or daughter is in trouble at college is disbelief. Not only do they want to see the best in their child but they’ll also think back to when they were at college and all the silly things they did – so, what’s the […]

It is all too easy to take a pessimistic view of your lifestyle options when you are trying to make ends meet on a frugal budget but even if you do happen to be what you might call fiscally-challenged, there are plenty of ways to get more bang for your buck. Here are some tips […]

There probably aren’t that many of us who drop our car off at the local auto repair center or dealership without having more than a moment of anxiety over how much the bill is going to be when you collect it again. You couldn’t be without your car for the convenience it provides but it […]

We all have dreams of buying a new home, a bigger car, a dream vacation and more. How does a frugal saver manage to handle such large purchases? The first thing many people would think of is charging their credit card or taking out a loan, but it makes much more sense to save money […]

It is all too easy to be blindsided by the badge and motivated by the model that offers you loads of hi-tech gadgets as part of the spec, but if you want to be a savvy car buyer a key aspect of your decision-making process should be affordability. Here are some sensible tips and strategies […]

An emergency fund is important. When times of trouble come, and they will, there is no need to panic or wonder where the money will come from. If you are living paycheck to paycheck, then building an emergency fund can be difficult. For some, setting money aside can seem impossible. Even if you are struggling, […]

Personal finance is somewhat many people don’t take very sincerely. Thus some people are fighting with financial problems. If talking about personal finance then it is just about keeping a reasonable debt to income ratio and confirming that expenses never go beyond income. It is very important to keeping a perfect credit record and keeping […]