Browsing: Finance

From time to time, people need quite a bit of cash quickly. Whether it’s the result of unlucky or unpleasant circumstances, or a great opportunity that requires some cash, sometimes you can’t wait for a loan or that next paycheck. Selling gold or pawning items has long been a source of asset-backed short-term loans, but it really came to prominence again with the surge in prices from 2002-2011. During that surge, cash for gold companies earned a bit of a bad name. Labelled “scams” and often derided for unsavory business practices and taking advantage of people, cash for gold companies…

We’ve all heard of them and we know exactly what they are, but how many of us actually put into practice creating budgets? We often complain about the schooling system not really equipping us with practical tools and skills we’ll actually need just for our survival, but if we only took the time to even try and implement half of what we learned we’d perhaps all hold a different view. I mean the basics of drawing up a budget make it a really simple process. What you do is just make a list of what you spend each month and…

There are some moments in one’s life defined by a specific sort of ‘enlightening’ event during which you just suddenly understand what someone with whom you previously interacted with has had to deal with in their lives, like one of your school teachers perhaps, or even your uni lecturers. That’s that moment when you can almost literally see the satisfaction filling up inside of them when they witness one of their students go through that “ah-ah” moment — that moment when the light which they’ve been trying to turn on finally switches on. As someone who preaches wise spending habits,…

So, if you’re a new business owner, heck, even if you’re like me and are trying to scrimp and save for a trip abroad and trying to get some freelance work, managing invoices and so and so forth then I hope to the heavens above that this post will help you in some way. I mean, there’s a never-ending stream of apps and business apps out there aimed at small business owners and freelancers who are like you and I; managing life, free time, work and so on but of course, no matter what it is you’re doing, if you…

There are many ways to measure financial health.  Debt load, personal income level, property equity, cash on hand, and countless other metrics provide clues, but no single measurement tells the whole story.  Similarly, there is no single solution available, capable of fixing all your financial woes.  Instead, consistent financial success relies on a number of proven practices, from monthly budgeting to long-term investing.  Among the many useful approaches, try these three habits to further your financial goals and increase your economic security. Make Saving a Priority In addition to daily monetary concerns, successful personal financial management accommodates future needs, by…

For the true entrepreneur at heart, making your first foray into the world of business is not often something you can remember and explicitly point back to. It’s often not one specific moment of suddenly waking up one day and deciding you’re going to be your own boss and start making money for yourself. When it is spoken of you as a success story, you’ll often find the entrepreneur at the centre of it all is reminded of many instances which depicted their entrepreneurial spirit which they’d personally forgotten about.Your mom might speak of how you tried to naively sell…

Annual business plans are usually set down well ahead of Christmas, but mid-season is as good a time as any for realtors to count their blessings, review the current market situation and results achieved in the first half of the fiscal year, and define tangible objectives for the months ahead. Overview of corporate performance to date can provide valuable cues on the pace of business growth, but without insight into fresh market tendencies, you shouldn’t bank on peak end-of-year outcome. If you’ve been too busy to read up on the latest trade developments, it’s not too late to do so…

When students think about taking our minds off of the books for a bit to refresh the mind and enjoy a bit of entertainment, what mostly comes to mind is a hectic night out. You only have to walk across the street from campus to realise just how expensive a night out can be however, with bars, clubs and restaurants that are open all hours of the day taking full advantage of the urgent manner in which students generally want to go about their entertainment. Of all the ways through which a meagre student’s budget can come under threat however,…

Talking about credit and students in the same sentence is perhaps a no-go for anyone who is realistically pragmatic about their financial affairs, but as with everything under the sun, if it’s approached correctly and in the way it was originally intended then a credit facility can work out to be very useful for students. You’d definitely have to be savvy about how you use whatever little credit is made available to you and you definitely have to maintain a high level of sustained discipline. Otherwise you can build up a very good credit record during your student years, which…