When you are young, in your 20s or 30s, retirement feels like a looooong way ahead. Typically in your 20s, the only person you have to spend for is yourself. In your 30s, you will have new financial priorities such as the wedding, child’s schooling, house loans, etc. If you consider all the aspects of
According to DEBTSteps.com, envelope budgeting or envelope system is a popular way of maintaining a budget. It starts by storing the cash into separate categories of household expenses that are allocated in separate envelopes. 1. TRACK YOUR LAST MONTH’S SPENDING PATTERNS One of the first steps that you have to take is to analyze your
Like a kid in a candy store, consumers have various loans to choose from. From education loan to home loan, we shall look at personal loan through a microscope. Personal loans are used for family emergencies, home furnishings, or consolidating other debts. These loans are often short-term. 1. APPLICATION PROCESS You will be asked to
Tertiary Education and Graduate Studies can be too costly especially to people who live by one cost at a time without any savings plan what so ever. On the other hand, just because a bank tells you that you are qualified and approved for an education loan does not mean taking it is a good
Everyone knows that keeping fit and healthy isn’t exactly the most fun thing in the world (unless you’re one of the minority of us that truly enjoys torturing yourself exercising in Singapore’s excessively hot climate – in which case, you definitely have more willpower than me). It can be very difficult for most of us to
