Fastest Ways to Get a Credit Card

More people are opting for credit cards due to the numerous benefits associated with them. Besides providing the convenience of making purchases without carrying cash, they can easily be used for making online purchases in mere seconds. To apply for a credit card, one can opt for either the offline or online mode of application. Here are a few ways to get your credit card quickly without too much effort. Apply Online: If you are looking for the fastest way of receiving your card, you … [Read more...]

10 Low-Cost Ways to Save Money at Home

Owning your own home is expensive, and we’re not just talking about taxes, insurance and mortgage payments. Home maintenance and repair is perhaps the biggest hidden cost of homeownership. Utilities, yard care, renovations and other costs can also eat into a budget. But if you’re one of the 63 percent of millennial homeowners experiencing buyer’s remorse due to hidden costs, here are some ways you can slash them — with easy, low-cost, regular maintenance chores you can do yourself. Flush Your … [Read more...]

When is the Right Time to Start Teaching Kids About Money?

Parents always say that they want to teach their children the importance of money but only very few ones really invest effort in doing so. Aside from putting aside bank accounts for kids, every parent is responsible to talk to their children about financial responsibility whether or not he shows interest in playing toy register and plastic coins. You may wonder sometimes about when is the perfect time to start teaching them about money. When is too soon and when is too late? This is a very … [Read more...]

What You Need to Know About Credit Scores in South Africa

Obtaining credit is not difficult provided you have a good credit score. It’s something that we’ll go into in a little more depth later during this brief article, but first, let’s take a look the concept of credit scores. Some people have an ideal about going through their lives without ever having to borrow money. They have a zero-tolerance towards credit. The principle is fine in theory, but whenever you are faced with a high-value purchase, not many people can fund it out of their savings. … [Read more...]

10 Advantages of Using a Broker When Applying For a Home Loan

People are always stuck with the question of whether they should be going to the bank or a broker when requesting a home loan. Here are ten reasons why it can be to your advantage to contact a broker when you’re in the market for a taking out a home loan. 1.    Financially, it makes sense For most home loans you won’t have to pay the broker a fee since the lenders pay the broker a commission for connecting applicants with them. 2.    Putting your … [Read more...]

Real Cost of Unrealistic New Year’s Resolutions

With February coming to an end, have any of us actually stuck to our New Year’s resolutions? Whether it’s to lose weight, become more financially stable or to start cooking more from scratch; New Year’s resolutions are a great way to set goals for ourselves for the year ahead. The trouble with unrealistic New Year’s resolutions isn’t just that you’re setting yourself up to fail, but it’s also potentially draining on your finances. Here, you’ll discover the real cost behind some of the … [Read more...]

Family Holidays When You’re On A Budget

When looking to take the family on holiday, you may find that it quickly becomes an expensive ordeal. Whether you are looking for the cheapest flights to a distant location or a hotel in the heart of your dream location, the price can differ massively depending on the size of your family and where you want to go. Although it may seem tempting to apply for a loan through a payday loan direct lender to cover the cost, this emergency funding option isn’t the ideal solution for your holiday. So, if … [Read more...]

Teaching Kids Personal Finance From A Young Age

Teaching children about financial literacy inevitably falls on the parents' shoulders in many cases. While some schools are now offering small lessons covering personal finance topics, many are not. The ability to properly manage spending, to regularly save money and to otherwise manage funds intelligently is essential for lifelong financial security. Without structured lessons about personal finance, children often learn about money by watching how their parents manage the family's funds. This … [Read more...]