How
to make your current income go further
You are responsible for the amount of money you earn and for
the amount of money you spend. The way you spend your money
today will determine what you have six months from now or throughout
your lifetime. Do you live within your means (income), or do
you whip out that bit of plastic for every transaction?Living
within your means requires careful planning. It requires self-discipline
and the ability to say 'No' to unnecessary spending. The ability
to manage money has to be learned, developed and practiced on
a daily basis. So read on to find out what our experts have
to say about this. |
 |
A
guide to refinancing your home
There are several
reasons why people refinance but the main reason is: money.
When interest rates drop, cases of refinancing usually increase.
Read what other reasons you should think about when considering
refinancing. |
|
Housing
Loans: The smart shoppers way
For those who intend to get a house or flat soon, the initial
move towards home ownership and a housing loan begins not with
a trip to the real estate agent or bank, but with a hard look
at your finances. How much can you afford to pay? Find out more
about housing loans in this article. |
|
All
you need to know about car loans
If you're looking to buy a car, the smart thing to do is to
assess your long-term earning capacity, and to shop around for
the best loan package that suits your budget. There are several
types of motor loans in the market, but the three most common
ones presently are flat interest rates, flexi-loans, and balloon
financing. Also popular with borrowers is the "step-up" loan,
which works using the principle of gradual increased repayments.
Read on to find out more about the different types of car loans. |
|
Loans:
What does the jargon mean and what to look out for
Unlike deposits, lenders have to determine your ability and
willingness to repay, and protect themselves in case you do
not. Whatever you need the money for, do remember that it is
easier to borrow than to repay, so read the terms of the loan
before you take on the debt. In this article, we sum up the
various types of loans you can make use of, and then take a
look at some of the more popular loans products in the market. |
|
| |
Credit:
Beware of misuse
Overspending may be the greatest misuse of credit! Consumers
may be overwhelmed by their sudden ability to buy things that
they get 'hooked' on credit. The problem is that over-spenders
will not admit that they are spending too much, thinking that
they are alright as long as they make the minimum repayments.
Read how you can avoid this problem of overspending. |
