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We earn more, save more and invest more to ensure our future finances are well secured. But the reality is, relying on only one source of income isn’t enough. Realising the fact that getting by on a single income is tough, many people are seeking alternative ways to earn more in order to supplement their income. But is that all we can do to earn money? Working a full-time job is not the only way you can earn a living. There are multiple ways to make money that you should consider. Here are 7 streams of income which are said[…]

People choose to live in frugality as a way to keep more of their hard-earned cash in their pocket. Well, there’s no wrong in saving to secure your future finances. But don’t be extremely frugal to the extent you’re being labelled as cheap by your friends. Being overly frugal can do more harm to your wallet than it actually helps. Here are a few ways of being too frugal can end up costing you more in the long run.  Getting the cheapest insurance Buying an insurance policy can be seen as a waste of money to some people since they[…]

When you purchase something on the spur of the moment, that’s impulse buying. The moment you decide to buy a jumpsuit after passing a store that shows great discounts, know that you are making an impulse purchase. It is not easy to avoid impulse buying. Impulse buying doesn’t have to be about expensive shiny items. It can be as small as grabbing a chocolate bar that wasn’t on your grocery list. You’re making impulse purchases whenever you suddenly decide to buy things without a plan to do so. Impulse urge is almost subconscious and can be very dangerous. Have you[…]

Credit scores play a significant role in measuring our financial health. A healthy score can increase your chances of getting a loan and qualifies you for the best interest rate. Meanwhile, bad credit may make it hard for you to reach your financial milestones in life like getting your auto loan or mortgage approved. As you’re excited about having your credit score increase, you should be equally alarmed about the reasons for the drop too. Your credit score changes over time depending on how well you treat it. But before we go deeper on what affects your credit score, let’s[…]

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