Money Bible Verses: On Saving and Emergency Fund

Saving money seems to be an easy task. But the reality tells the other way around. The truth is… it is difficult to set aside money. This is because we do not only encounter controllable temptations to spend money, but also we often face uncontrollable circumstances that lead us to use them. These unmanageable circumstances [...]

Personal Finance Tips #4: Value and Importance

Here is another personal finance tip I want to share to all my readers. In an objective to attain financial stability, we need to take a good look to our personal finances. We need to stand firmly for the achievement of our financial goals. We just not need to plan, set goals and do the [...]

How to prepare for a personal financial crisis?

Sun Tzu of the Art of War once said, in time of peace prepare for war and in time of war prepare for peace.  He also stated that a victorious commander is one who makes more calculations. Applying this ancient Chinese wisdom in personal finance, we can tell that a crisis can be overcome by [...]

How to Build an Emergency Fund

In today’s world, in American and elsewhere, most people live “hand-to-mouth” or week to week. That means the average person earns just enough money to meet his or her expenses before the funds run out and the process repeats itself the following week … or month. It’s no secret that the cost of living has [...]

What is Debt Consolidation?

What is the meaning of debt consolidation? Will it help borrowers from getting out from debt troubles? People who are buried with multiple loans may consider biting on a debt consolidation program to attain lower monthly payments and longer repayment period. The convenience of having a single loan also adds its attraction. Debt consolidation is [...]