Do you often ask yourself why your savings account does not roll up even a dollar? This is something worried you even you have a good job with nice salary? Or do you think you are always under pressure from creditors to rush to settle your unpaid debts? If your answers to those two questions are yes, then you probably spend too much money. What this means is that you spend more than you earn and it is not good for your financial planning. (more…)

Remove the ATM card from your wallet and put it in the closet with your emergency credit card. Once a week go to a real live bank teller and withdraw sufficient cash for all your normal spending needs by writing a check out to cash. You will end up spending less when you’re forced to recalculate your balance. (more…)

It’s always good to have a get-together with your friends - most especially with those whom you’ve not seen for quite some time now. It’s a wonderful feeling to talk to them again and reminisce old times. Of course, it is also great to catch up on the latest buzz or on the latest happenings of their respective eventful lives.

And as the host of the party - or the simple dinner - you need funds. (more…)