Personal Finance Lessons You Wish You Had Learned in School Part 2

How are you doing with your finances? Do you consider yourself  financially stable? If you do, then good for you. If not, you are not alone. Most people are having problems with money because only a few are financially literate. Most of us have to learn financial lessons the hard way. Just imagine all the things that you could have done differently if only you know a thing or two on personal finance.

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How to Read your Credit Card Statement Part 3

There is a price for borrowing money. Aside from the annual membership fee, one of the most important things that you should consider is the interest. This is how the credit card issuer earns money. Understanding the different credits and debits that go in and out of your credit card statement is one of the skills that you need to be able to use your card wisely. Don’t just swipe, understand how your credit card works.

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Common Sense Financial Advice That People Don’t Follow

Money has always been a top source of stress for most people.  If not addressed, debt and worrying about money can lead to serious physical, emotional and even relationship problems.

How to solve money problems then?  There are tons of financial advice that people probably already heard or read about.  In fact, most of these advices are simply common sense yet one the greatest mysteries about life is that no one really follows them.  It looks so easy to do but for most people, it is very difficult to follow.Read More »

10 Warning Signs that You are Living Beyond Your Means

To live beyond your means simply means that you are spending more than what you can afford. Statistics show that a great majority of employees nowadays are living from paycheck to paycheck without any kind of financial cushion. While we all deserve to spend our hard earned income, spending beyond our earnings and racking up debt in the process is a recipe for financial disaster.

To live beyond your means is to spend more than you earn.

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