Miranda Marquit over at Yielding Wealth talks about post-nuptial agreements which are starting to become as common as pre-nuptial agreements.
What about the wedding itself? In addition to the usual wedding budget items (e.g., dress, shoes, rings, reception, etc), there are other items usually overlooked, but neverthless make a big dent in the starting couple’s […]
Reduce the number of credit cards that you have. The more credit cards you have, the lower credit score financing institutions give you and, consequently, you are charged higher interest charges & placed under more stringent conditions.
When you finally decide to improve your credit score and cut down on the number of your […]
In these times of weekly price increases, you have to optimize all your household expenses. The best way to optimize your expenses is to keep to a Budget.
The job of keeping within the Budget is better & easier achieved if everyone in the family (including the children) are involved in the formulation of the […]
From the Sunday Column of Nelly Favis Villafuerte, Gentle Breeze, in the Manila Bulletin (3 August 2008)
Can DNA cells be transformed to allow conversion to a godly life?
This is a well-known story narrated in many books. I got this from the collection of stories by R Strand:
Max Jukes lives in a the state of […]
Reduce the number of credit cards that you have. The more credit cards you have, the lower credit score financing institutions give you and, consequently, you are charged higher interest charges & placed under more stringent conditions.
With multiple credit cards, keeping track of your expenses becomes a more difficult personal accounting task.
Believe it or […]
You have to find out where you are: your credit score (is it lower than 600?) and credit risk rating (is it higher than R or I 5?). The commonly used credit bureaus which supply credit information to financial institutions and from which you can get a credit rating report are TransUnion, Experian, […]
Credit cards enable you to spend future cashflow, income that you haven’t earned yet but expect to earn with some certainty (e.g., regular paying job, income from own business, etc).
Credit cards are temptations to live beyond your means. You are living within your means if you are able to pay off the entire balance […]
If your household’s lifestyle pushes you to keep spending income several months into the future, to live beyond your means and to rely heavily on credit cards, you probably have a credit score below 600. This puts the interest on your credit cards higher than 18% or at least an addtional annual expense of […]
If your household’s lifestyle pushes you to keep spending income several months into the future (i.e., live beyond your means and rely heavily on credit cards) and are unable to save at least 5% of your monthly income, you are in DANGER.
You are living on the edge of a financial disaster. If any kind […]
If your household’s lifestyle pushes you to keep spending income several months into the future (i.e., live beyond your means and rely heavily on credit cards), it is time to take stock of your expenses.
List down all your expenses. Be absolutely honest and categorize them into:
(a) necessary
(b) can be spent if there’s […]
Behind The Buzz
Biz Chicks Rule
Biz Levity
Brandcurve
Business & Blogging
Buzz Networker
Contract Worker
Copyblogger
Daily Blender
Doing Biz Abroad
E-shop Owner
Everyday Networker
Franchise Pick
Greener Assets
Health Care Insiders
Home Biz Notes
Interview Chatter
Just Make Money Online
Leadership Turn
LifeDev
My Organized Biz
One Vote Matters
Pimp Your Work
Project Management 411
Property Crossroads
Slacker Manager
Small Business Boomers
Startup Spark
Successful Blog
Talk Stock Trading
Taxgirl
The 501(c) Files
The Golden Pencil
Work Boxers
Yielding Wealth
Recent Comments