Manage your expenses with these helpful Apps

There are Many Helpful Apps You Could be Using to Manage Expenses

One of the important aspects of managing your expenses is keeping track of what you spend.  Getting into the habit of tracking your expenses can be very challenging, and recording every transaction can be too tedious for some people. Fortunately, there are apps made for smart phones specifically crafted to help you monitor your spending. Since you basically keep your phone within reach most of the time, recording your purchases and income can be very convenient. You can also frequently monitor your remaining budget at a glance. Continue reading

Loan office lending to people

Same sex loan application

Interesting Facts About Same Sex Loan Applications

I have just come across a very interesting article about the cost of applying for a loan from someone of your own sex.

A 10 year study by Cass Business School,(City University London), found that borrowers paid more interest on their loan when they applied from someone of the opposite sex.  Continue reading

A student contamplating his loan

Student Loan Considerations

Don’t Let Your Student Loan Become a Burden

At the time of writing, it takes about 14 years for an engineering graduate with a $56,000 starting income to pay off a HECS-HELP (Higher Education Contribution Scheme – Higher Education Loan Programme) debt. However, the Australian government is intending to raise the interest on student loans to about 6%. This change will result in the same student taking 29 years of working life to pay off the debt. Continue reading

tips to save money

Money Saving Tips to Get Out of Debt

Money Saving Tips to Help You Get Out of Debt

Money is one thing that seems to slip through your fingers and many people find it difficult to manage.

The good news is that there are quite a few easy changes that you can make in your daily life and these money saving tips can help you manage your debt and keep more money in the bank. Continue reading

Piggy Bank

Debt Consolidation Loans to Pay off Credit Card Debt

How to Use Debt Consolidation Loans to Pay off Your Credit Card Debt

Having two or more loans to be paid can be very challenging. If you are having a hard time in paying your loans on time and you are worried that you will be paying more if you fail to meet the deadlines, let debt consolidation loans help solve your problem. These loans are known to be the most efficient ways on how you can pay all your credit card debts. Continue reading

pocketbook review of budget planner to monitor spending

Pocketbook Review – Easy Budget Planner

Pocketbook Review For Budget Planning and Expense Monitoring

In a previous article, I talked about the importance of creating a budget and monitoring your expenditure over time.  Today I will show you a great way to make that easy…

Once you’ve created your budget, categories and amounts for each category, it’s time to begin monitoring your spending.  This can be a challenging step and one that results in people abandoning their budgeting.  Let me explain… Continue reading

Money Management Skills to Get Out of Debt

Money Management Skills to Get Your Finances in Order

Everyday Money Management Skills to Get Your Finances in Order

Most people struggle to manage their money effectively. It’s hard enough to keep up with the bills and daily expenses, let alone set aside money for the future. However, the truth is that there are many things that you can do to improve your financial health, provided that you develop some simple money management skills. The problem is that it’s difficult to know where to start – it’s easy to become overwhelmed by the amount of advice that is available. Continue reading

Debt agreements can help people to be debt free

Debt Agreements to Get Out Of Debt

Debt Agreements may reduce your overall debt (and costs!)

Debt can catch you by surprise and what was once a “doable” amount of debt can become something that at best causes stress and at worst seems to be sucking the life out of you.  Most people who are looking at a debt agreements because of unmanageable debt didn’t fall into it because they have been irresponsible; they fell into debt because of unforeseen changes in their circumstances such as a loss of employment, reduction in hours, illness or unexpected expenses. While the amount of debt you owe may be manageable, the interest costs can be too much. A debt agreement could reduce your interest costs or reduce the full amount of your debt.  This will let you get back in control of your finances and your life. Continue reading