How to Manage Your Finances Using Your Smartphone

When discussing smartphones and their capabilities, you’ll probably hear the phrase, “there’s an app for that!” It seems that there really is an app for almost every topic these days, and personal finance is no exception. Every day, more and more apps that help you manage your daily life become readily available. That’s why is important that your phone is operating at its most efficient level. Now more than ever, phones play a crucial role in people’s daily lives. Whether the firmware isn’t … [Read more...]

Ways to Get Quick Auto Loan Approval

If you can barely scrape by with the amount you earn each month, it might be tricky for you to afford a new car. You don't have enough cash to pay for the vehicle. You might have to consider auto loans if you want to spread the cost over a few years. The problem is that receiving an auto loan approval isn’t easy. You have to prove that you can repay the loan first. Unless you can show the necessary documents, the auto loan company might reject your application. These are some tips to help in … [Read more...]

Young, Wild and Free: On What do Millennials Spend Their Hard-Earned Money?

Millennials can sometimes get a bad rep when it comes to their spending habits. But when you think about it from who do these claims come from? That’s right from older generations! This doesn't mean that anyone who isn't a millennial can’t talk about their spending habits, it’s just that Generation Y has a much different system of value than other generations. They have specific sets of values which in a way dictates where their money goes.  So, what do millennials spend their money … [Read more...]

What Are the Differences Between Term Deposits and Fixed Deposits?

If you were to walk into your bank to make a deposit, would you know whether you are making a term deposit or a fixed deposit? Would you even know the difference between the two?  Although there is no major difference between the two, bankers tend to use the word “term” most frequently. There are some slight differences, however, that can be discerned. A term deposit is typically used when a deposit is extended for three to six months, whereas a fixed deposit is for a period of time … [Read more...]

How To Get a Loan and Have Your Business Grow Smoothly

Growth is inevitable. Just as in all aspects of life, a sound business grows continuously from the start-up stage to the maturing stage. The process, however, if not handled properly, can cause a lot of miseries and inconveniences to the business owner. The transition process, if not well navigated, can also lead the business to an early deathbed. To transition smoothly, the company needs to effectively meet the challenges that come with such increased demand or sales. The business, … [Read more...]

Smart Mommy Budgeting: How to Save More From the Household Budget

The average American household has an annual pretax income of $74,664 and 40% of that is consumed by the household budget. So it follows you - being in charge of the household budget - will want to find budget-friendly solutions for your family. To that end, what are some sure-fire ways that help you get savings and get more out of the household budget? Check Out Alternate Energy Suppliers The monthly average cost of electricity comes up to 13.26 cents per kilowatt-hour, based on the … [Read more...]

4 Effective Strategies for Saving Money

Because we work hard for our money, it makes sense that it does the same for us as well. And while it’s undoubtedly not an easy feat to minimize expenditure, especially for those with modest incomes, you’d be wrong to think that it’s impossible to achieve a substantial amount of savings. To this end, here are a few effective strategies that you can use to reduce your spending, and as a result save a lot more money in the process. Go for energy efficiency Our utility bills take a … [Read more...]

A User’s Guide – Everything to know About Cash Cards Before Applying

Cash cards are an electronic payment card. They can be debit or gift cards or payroll cards. Credit cards are usually not categorized under cash cards. However, some financial organizations offer credit card as cash cards. It solely depends on the issuing institution. How does a cash card work? When the user chooses to pay with a cash card, the cashier swipes the card at the point of sale. Over a secure internet connection, the card is validated by the merchant. Validation is checking if … [Read more...]