Archive for September, 2006
How To Know You Are Getting The Best Rate On Your Credit Card
Friday, September 29th, 2006These days, shopping around for the right credit card can be as exhilarating as shopping itself. Because of the many kinds of credit cards offered by many companies, it would not be a good idea to just grab and sign the first application that comes your way. You need to carefully put many things into […]
Spending after.
Thursday, September 28th, 2006Getting off the spending treadmill - or never getting on in the first place - is a matter of habit. A habit of not spending before you have the money.
Why does this matter? Because, if you have already spent the money, you don’t have a choice. It has to be paid, at some time. And […]
First … and Last!
Wednesday, September 27th, 2006Why do you have to get insurance, when you buy a car? It isn’t that you expect to have trouble; but in case you do, having insurance helps mitigate the damage!
The same holds true for life and career. You hope that you’ll never have a mis-step, or a bad patch; but if you’re prepared, even […]
Tomorrow will be better!
Tuesday, September 26th, 2006It’s quite natural for most of us to be optimists; the feeling that even when things aren’t too good, they will improve later. Not to mention that when things are good, the feeling is always “Tomorrow will be better”. You hear it all the time - “Next month, I’m due for a bonus!” or “I’ll […]
Student loan consolidation.
Monday, September 25th, 2006Student loans typically have a lower interest rate than others - credit cards for instance, or other private loans. But there are ways to further reduce the damage - through loan consolidation.
Why should you do this? If you have multiple loans with different interest rates and payment periods, you’re likely to be making payments more […]
Dealing with College Debt.
Friday, September 22nd, 2006The best time to deal with College debt is before it starts! Barring a few, most people today need to rely on loans for completing a degree. But quite apart from this, there’s also the other side - personal expenses. And with credit cards available for the asking, it’s tempting to use it to ease […]
Personal Finance Bloggers Shine
Thursday, September 21st, 2006In the latest issue of Kiplinger’s Personal Finance Magazine (October 2006 issue) there is a feature article on must read bloggers. It seems the media is finally catching on to what many of us has known for years. Blogging has become an essential part of online business and serves as a platform for both professional […]
Life after debt.
Wednesday, September 20th, 2006Scrimp and save. Stretch all ends (are there only two?) till they meet. Somehow. Yet another month where despite your best efforts, your negative balance grows. And the only bright spot to look forward to is the time when all this is over, and a handsome income awaits.
And then, the day dawns. Over with college, […]
Managing debt.
Tuesday, September 19th, 2006When is a budget of no use at all? Most people believe it’s when there’s little or no income - but you still need money to carry on day to day. Typically, people encounter this while going to college - it’s true that a good degree can boost your income prospects, but getting the degree […]
What’s the point, anyway?
Monday, September 18th, 2006Making a budget for the first time has got to be one of the most depressing activities ever. Unless you’re fortunate enough to have a huge income and minimal expenses, chances are you’ll find that you don’t make enough money!
It isn’t uncommon - there just are too many things that all of us […]