Personal Finance

The Proper Ways to Manage Personal Finances

There are proper ways to manage your personal finances, and there are not-so-proper ways. When you opt for the former, you are sure to be stress-free when it comes to the very demanding task of sorting out your money. When you only ever choose the latter, you create problems for yourself that you really do not need to be creating. To see the proper ways to manage your personal finances, check out the information below. Set yourself goals The first thing that you should do when you come to deal with your personal finances in a proper way is to set yourself some goals in regards to where, how and when you want to spend your money, as well as what you want it to be spent on. If you want to save up for something as big as a new home, set that as your goal and try to…

Perth Mint & Silver’s History

It is said that there are certain names in every industry that have contributed immensely to the growth and prosperity of the industry as a whole. Think of Microsoft and computers, Facebook and social networks. Throughout their years of operation, they’ve been responsible for numerous innovations that have allowed the industry to take the next step while maintaining strict performance standards. When talking about Gold Stackers silver bars, it is impossible to continue on the conversation without giving due credit to Perth Mint. After all, it is one of the oldest working mints in the country and continues to influence the precious metals industry in the country. So, what’s the history behind Perth Mint and how did it grow to become the leading working mint inside Australia? Here’s a thorough run-down of Perth Mint’s history. Early Beginnings The 19th century saw a surge in the demand for gold. The whole…

Australian Credit Card Reward Programs: An Insightful Comparison

Planning a domestic or international trip for your upcoming vacations is quite exciting. But it’s extremely important to consider your budget while planning. If you’re one of those people who think that it’s not possible to enjoy your vacations to the fullest on a budget, then think again! With the help of credit card reward programs, you can now visit your favourite destinations with your family or on your own without breaking the bank. Here’s a brief comparison between reward programs of the most popular credit card companies in Australia to help you decide which program works for you: The Qantas American Express Ultimate Card American Express or Amex is a popular financial service provider. They offer various credit cards to facilitate customers. But if you frequently travel, then the Qantas American Express Ultimate Card is one of the best cards for earning points. When you get registered and spend…

5 Reasons why you should have Loan Protection Insurance

After a certain amount of time has passed by and you have entered your adult years, you might start a business, family, buy a house or make other investments. Like most Australian adults, you might do all this with the help loans and mortgages. In fact, the majority of a household’s debt is for housing. But in the midst of the excitement of growing up, we often forget that these loans are payable over a long time period. This means that you will be paying them off over the next 20-30 years, making monthly payments. This is why insurers provide loan protection insurance plans such as Freedom Loan Protection Insurance. This type of insurance pays a lump sum amount to pay off your loans and debt in case of death, terminal illness or permanent disability. It offers borrowers the peace of mind that your family and loved ones will be…

3 Ways to Enrich Your Life With Affordable Luxury

As the economy picks up, luxury goods are coming back in style. While most people assume that luxury means expensive, fortunately, today’s market includes an increasing range of products designed to meet demand for affordable opulence. Here are three ways to add some luxury to your life without breaking the bank. Look for Affordable Items That Add a Touch of Class One strategy you can use to add splendor to your life is to keep an eye out for items that look lavish but aren’t actually expensive. For instance, buying a chandelier is an easy way to add an ambience of elegance to your living or dining room, but it can be done as cheaply as $100 or less. Luxury kitchen items such as single-serve coffee brewers, food processors, immersion blenders and pasta makers add spice to your meals, and can be had for as little as $20. Faux fur car seat…

Biting The Bullet: Could Bullet Journaling Help You Clear Debts?

We’re going to go ahead and assume you already know what a bullet journal is. They’re big business at the moment. Even those of us who’ve never kept one have a pretty good understanding of them. They’re fantastic tools for organizing your life and making plans look pretty at the same time. And, bullet journaling could be the answer to your ongoing debt problems. Clearing debt is, after all, about managing different areas of your life. Sounds like bullet journals to us! And, if you’re already successfully implementing the bullet journal method into your life, you’re halfway there. Read on to find out how that can help with your debts. Organization = getting on top of debts When you’re trying to clear debts which keep building, organization is the best hope you have. After all, once your debts start snowballing, it’s likely you’re collecting them from more than one place.…

3 Suggestions For Those Who Need To Start Taking Their Finances Seriously

Many people struggle with their finances in the current economic climate. Of course, whilst the post-recession landscape has been tough, there’s a lot that can be done to improve your finances on an individual level. You could benefit from simply learning how to moderate your spending habits and start saving money regularly. Here are 3 suggestions for those who need to start taking their finances seriously. Prioritize the expenses which are necessary. If you’re going to start taking your finances seriously this year then you need to learn how to prioritize the expenses in your life that are necessary. The best way to do this is to create a monthly budget that can help you to track your expenditures. You need to know how you spend your money on a monthly basis so as to ensure that you live within your means. Most importantly, you need to make sure that…

Unplanned Overdraft Fees: 12 Ways to Avoid Them

Overdraft fees are common charges that many of us experience without ever realising it. If you place a transaction when your account reaches zero, your bank will either decline the transaction or charge a fee to make the transaction successful. These charges are called overdraft fees and they can easily add up to huge credits that you’ll have to pay back. Here’s how to avoid them: 1.      Keep your transaction register up to date It very easy for you to lose track of your transactions and your bank balances, especially with all the automated billings like insurance, internet service, apps and so on. Recording your transactions in register can help you monitor of your balances and the transactions you can afford. 2.      Set up online banking alerts One brilliant way to avoid unnecessary unplanned bank overdraft is setting up online banking alerts. These days, it’s as simple as having an…

Latest Wedding Trends That Stay On Budget

As 2017 comes to an end and wedding plans for 2018 are emerging, we are finding more couples are watching every detail and staying within budget. This is not an easy thing to do. It takes planning and it takes paying attention to every detail. Small and unexpected expenses can add up quickly. The brides of 2018 are taking quality over quantity. They are being selective about where they get married. If they are planning a destination wedding, they keep the guest’s list as low as possible. They have a larger reception when they return to celebrate with all the friends and family that could not attend. Couples are taking advantage of off-season resort bookings to save money. Some wedding parties are asking for parties of 12-20 people and going via chartered jet. Splitting the expenses and being careful about where you go makes this a luxury trip for everyone.…

Buying your first car? Read this post

Buying your first car? Congratulations! This is a great way to gain more independence, and a big first step on the road to adulthood. But there are a few things you need to know before you buy your first car. Ready? Let’s get started: Set a budget One of the hardest parts of buying your first car? Reconciling your dream car with the reality of how much it costs. Cars are expensive, and they’re not an asset- they depreciate the minute you drive them off the lot. There are also many fees to consider at the time of purchase, along with recurring costs like gas, parking, general maintenance, and car insurance. The first step is to set a realistic budget. It’s no fun having a car if you can’t afford to actually go anywhere in that car. Once you know your budget, you can begin looking for cars that are…

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