POSTS TAGGED : personal finance

How To Reduce Stress In Your Financial Life

No one ever said that dealing with finances was easy. In fact, without knowledge or practice, it can actually be extremely difficult.

Stressful financial life

Balancing incomings, outgoings, necessary costs and debts can seem like a never-ending juggling act and as a result, stress is a fairly common response. While you could turn to a payday loan from a Wizzcash lender in the case of a financial emergency, keeping track of your finances for the most part can help reduce stress considerably and ensure your budgets are kept to at all times.

Here, we’re exploring how you can reduce stress in your financial life.…

Continue reading →

Debt Settlement Dos & Don’ts

Are you barely staying above water making the minimum payments each month? This might seem like the only viable strategy available but in reality, you’re only spending more money in interest each month. Financial freedom is nowhere near. What are you to do? Sell all your things? Set a strict budget? Move in with family?

Debt settlement

All these measures are good ideas if your debt has gotten out of control, but depending on the amount you owe, they might not be enough to save you. While debt settlement certainly isn’t the wisest option for all debtors, it can be an effective last resort in dire situations.…

Continue reading →

3 Ways Office Employees Can Get Better Insurance

Does your current employee benefits and life insurance package make you feel more appreciated for the work you do? While the Department of Labour’s Office of Workers’ Compensation Programs (OWCP) offers various compensation programs (that provide wage replacement benefits, medical treatment, and other benefits) your employer’s health insurance programs may not fully take care of you or your family.

Employee insurance

Administering insurances for HSAs, COBRA, or CDH accounts can be a headache and logistics nightmare. Especially if you’re an employee who doesn’t know what you rightfully deserve in terms of benefits and health plans.

1. Employee Wellness Programs

Wellness Programs are expected to have a huge “breakthrough” in 2018.…

Continue reading →

Why Healthy Relationships are Financially Sound

There’s a time in every couple’s life when things move from dating to planning marriage, kids and an entire life together. Besides love and happily ever after, this step forward involves a wide series of changes in a couple’s life.

Money heart

Moving together means sharing not only the house but also the current expenses. Who’s paying for what could soon become a problem in a couple’s dynamic. Because talking about money is less fun than planning the next night out. So, before saying ‘I Do’, partners should take some time to discuss finance.

Knowing what to expect from your partner in terms of financial stability is essential when planning to build a family.…

Continue reading →

3 Ways to Improve Retirement Planning

One of the many things that can put stress to people is thinking about future and making retirement plans. Younger generations almost never think about retirement planning, although this is serious and important issue to think about.

Retirement planning

Saving money to spend it in retirement days seems like a thing far away to many people, but truth is that time goes fast and it is wise to make plans about future. Many people avoid retirement planning because it reminds them of getting old. But you should get rid of that mindset, quick!

Life begins after you retire

Sure, the working days are over, but being retired does not mean that the life stops.…

Continue reading →

Get The Most Value for Each Dollar You Spend: Here’s How (Infographic)

Think of the ways you spend your money! Be specific, be controlled and affording luxurious things will no longer be a dream. The infographic drawn by Oliver’s Travels gives us a clear comparison between what we buy and what we could buy for a certain amount of money.

Piggy bank

What if you were told that instead of spending money on 12 nights out in NYC, you can book a 5-Day tour to visit Canada and view the Northern Lights? What if you do not spend $906 on Christmas this year and instead rent out a villa in the Caribbean! The infographic has an advice for Formula 1 fans too.…

Continue reading →

Which Makes More Cents In Canada: A Big Banking Institution or a Credit Union?

Credit unions perform the same functions as banking institutions around Canada, but not everyone knows what they are or how they work. Whether the average Canadian is looking to invest their money in a savings account or borrowing money for a home or car purchase, they typically go straight to their local bank lender. But that might be a mistake. Not investigating the many opportunities to join a credit union and reap the benefits may have many consumers missing the financial boat.

Credit union

It isn’t just Lehman Brothers who got caught doing unscrupulous things over the past decade; Wells Fargo is still involved in a class-action lawsuit for signing up customers for products unwittingly and using their banking information without their clients’ knowledge.…

Continue reading →

Is Cash really Dead? 4 Reasons Why You Should Avoid Using It

Plastic have become so much the in thing when it comes to financial transaction that cash might as well be dead. Well, maybe not. But while there may be some benefits in using cash for your purchases and everyday transactions, they are even more benefits to using credit cards.

Using a credit card

If you can use plastics responsibly, you find that you are better off doing your payments with a credit card than with cash. Let us examine why the credit card comes out on top and why you should minimize your use of cash.

Credit Card builds up your credit rating

When you charge your expenses to your credit cards and promptly pay them up every month, you are building up a very strong credit score.…

Continue reading →

How Your Personal Financial Decisions Could Affect Your Business

Life is rough all on its own. When you add money too it, sometimes it can be too much. However, as a business owner, you must learn how to balance your own finances before you can create success in the finances of your business.

New business financial meanagement

With so many businesses going bankrupt, it might be a wise decision to invest in a little know how when it comes to money. Below are a few things that might occur in your company if you don’t.

Stay Ahead Of The Bills

Paying bills is my favorite thing to do, said no one ever. Yet, it must be done.…

Continue reading →

How to Get an Instant Loan of up to £2,000 for Your Business

Getting a loan nowadays has become a common practice because of all the expenses one needs to cover in a single income. Especially in the UK, it is inevitable to apply for a loan whether you have a good credit rating or a not-so-perfect score.

Instant loan

These loans are required for debt consolidation, to pay for a new car, college fees, emergency and unforeseen hospital bills, business expenses or capital, and so on. But at times getting a loan becomes difficult because banks typically look at your credit score and if it is less than perfect, they usually decline your application.

The same goes for credit unions and other organisations out there because they need some guarantee that you would be able to repay the loan amount without defaulting.…

Continue reading →