What are the different factors you should consider when applying for a personal loan? Here’s everything you need to know when getting yourself a personal loan.
Read MorePreparing a meticulous budget is indeed the best way to keep track of your daily spending. An effective budget will keep track of every cent going in and out of your pocket, ensuring that it is categorized and allocated properly. However, when some items are forgotten, the budget planning just goes into the drain – being ignorant of your expenses can lead to frivolous spending. Do you know what costs and expenses are commonly neglected? Before reading on, do keep in mind that some of these expenses may not be relatable to you, but they are the common ones that tend to steer your budget to the wrong side.
Read MoreYou’ve experienced it: Halfway through the month, you decide to check your spending – and you’re surprised: “Where did I spend my money ah?” It’s very likely a lazy habit that’s costing you money. Be it you’re being a complete sloth in managing your budget or just not putting effort into your savings; it could be anything. You might find one of these 14 habits very familiar.
Read MoreWe often stumble across the terms “Flat Rate Interest” and “Reducing Balance Rate” when applying for loans, but do we truly understand the difference between the two types of interest? Although these terms may sound like financial jargons, they are relatively simple to understand. The truth is most of us take the easy route and depend on our bankers to do the calculations for us. That said, it’s best to keep informed on these finances so we have a good idea when the time comes. Here’s our explanation on their differences and calculations, made simple to help you manage your own finances.
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