In the world of business, debt management is approached from a different angle to that of the average householder. Depending on the total earnings of the company, a certain amount of debt can even increase the business’s overall ROI. However, push that too far, and debt can have the same effect on a business as it can on an individual. In some ways, it can be even worse – after all, what is the worst that can happen to an individual? File for bankruptcy and start again with a clean sheet – some have gone from here to great success. […] Read more »

Let’s face it: we’ve all made goals but never worked towards achieving them. From losing weight to sleeping more, it’s easy to say you want to do something but never make progress towards achieving it. Like many other goals, financial goals also seem to have a way to fall through the cracks. Though saving money isn’t the easiest thing, it’s also not the hardest. If you find it hard to commit to saving money consciously, there are all sorts of ways that you can trick yourself into saving money without even trying. Here are 6 easy ways to save money […] Read more »

One of the main goals for many people in the world right now is to get themselves out of debt and to ultimately achieve financial freedom. Debt can be extremely costly to individuals, couples, and families, and it can destroy relationships and homes if not managed properly. Perhaps the most popular technique for getting out of debt, or at least making your way towards a debt-free life, is consolidating your debts. However, if doing this damages your credit score in the process, is it really worth it? Today, we’re going to explore the ins and outs of consolidating your debts, […] Read more »

At this time and age, it’s almost impossible to live comfortably without a car. Yes, there are public transport systems that are fairly decent. But they follow strict schedules and most of the time, you don’t have control over who you’re going to be in the vehicle with. With a car, you can go anywhere on your own time and with the company that you prefer. You can also bring along stuff such as extra clothes and other implements. Because cars are inherently expensive, they are generally acquired through loans. Now, how to get a car loan? If you have […] Read more »

Applying for, and getting a loan from a lender is always a 50/50 process: you either get the loan, or you don’t. But you find that there are many instances where borrowers’ applications are rejected even when they are clearly within the minimum loan requirements. There are other instances where the borrowers get themselves in trouble with the loans due to some mistakes with the paperwork. This article has compiled a list of mistakes that loan borrowers have been known to frequently make when applying for online loans. Paperwork The most common mistake that loan borrowers are known to make […] Read more »

When the monthly statements roll in, it can be very stressful. You know that the best way to raise your credit score organically is to pay everything off over time. In the process, you take on extra work, sell off valuables, and adhere to a strict budget. This adds to the stress. But what about any other tricks and hacks you can use to get a better score? Here are three lesser-known, low-stress ways to improve your credit. 1. Lower your credit utilization rate. You need better credit to get loans for a car, a home, or schooling. When you […] Read more »

The number of people who work from home has skyrocketed in recent years. It’s becoming easier for many people to work from home, as many companies are allowing their employees to work remotely part- or full-time. The appeals of working from home are vast as it saves money for employees and employers. Economic Office Equipment Alternatives The costs of running an office can quickly begin to add up. If you’re an entrepreneur with your own startup, the cost of setting up your own home office can easily save money in areas such as office supplies, rental space, and equipment. Your […] Read more »