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“Do I pay with cash or credit card?” That’s a question we’ve all asked at some point, save for those who don’t have a credit card in the first place. Which begs the question, when is it more fitting to use either of the two modes of payment? There could be any number of scenarios depending on the nature of your transactions and individual personal preferences. We’ve done the homework and singled out some three scenarios for this writeup. Read along to find out when it’s more fitting to use digital credit for purchases instead...

Owning a rental property is one of the ways you can invest to earn long-term gains while earning residual revenue in the process. As the value of your property grows, you receive a steady income from renting the property out to the right tenants. As a landlord, however, you still need to pay taxes on the property as well as the income you get from renting it out. As with other taxes, there are ways to minimise your taxes. We have the best tips and tricks you can use to minimise your taxes as a landlord in this article. Use Negative Gearing According...

If you are hoping to move your life in a more positive direction, you should start by tackling your finances. Getting a handle on your money is a great way for you to prepare for the future. Why waste your days worrying about what is yet to come, when you could be excited for all of the amazing opportunities ahead? No matter the current state of your personal finances, there is always something to be done. Hopefully, the following four steps will help you on your way towards a life of savvy spending, impressive saving, and financial stability. Keep...

Our parents aren’t perfect, so there will undoubtedly be times in your life when you have learned from their mistakes. However, while you will have learned valuable life lessons from their parenting and adult blunders, we are going to steer you towards the positive. There are things your parents are bound to have said to you when you were growing up that can help you manage your finances today. You may have turned your nose up at their advice in your younger years (the arrogance of youth), but some of the words they gave you are worth...

With tightening budgets and the cost of living rising, getting a grip on personal finances can be difficult. There is a host of things to think about when planning your finances including how you’re going to save for those big household buys or what type of finance you could use to consolidate any debts. Using simple methods, you could turn your personal finances around and make your money work better for you in the long-term. Realistically sometimes you may find it hard to juggle everything, but preparation and planning is key...

Significant life disasters can come out of nowhere and sideswipe you from a position of comfort and progress into financial and emotional turmoil. They can come in the form of household damage, car crashes, job losses and personal bereavement, and so there’s a range of different ways to deal with the huge life setbacks that might come your way. The first rule of damage limitation is to have a plan for the worst eventualities.Here are four such plans that’ll help you avoid the spiralling damage to your wallet and your mental health...

Many individuals, families, and households are faced with money problems at one time or another. No matter how hard you work to earn enough money, or how strictly you try to keep up with regularly putting money into a savings account, your monthly expenses can easily become more expensive than you had originally planned for. Expenses come in many shapes and forms, from the money you spend on transportation, to energy bills and recreational costs; However, there are ways to bring these outgoings down. If you are looking to save yourself...

If you’ve managed to save up some capital over years of toil and financial management, it’s not a good idea to leave it languishing in a bank account, where it accrues minimal interest while banks make money on their investments. Instead, it pays to consider the range of options available for investments that go beyond the traditional stocks and shares that previous generations will have considered. Here are a few ideas for investing your money that’ll expand your financial power without risking losses on volatile markets. Art It...

Saving money can be a difficult aspect these days due to the fact that the cost of living is constantly increasing. However, there are certain instances when the hardest part is just the beginning. When it comes to saving money, setting goals can motivate you to begin the whole process. People are more likely to overspend or withdraw money for various reasons when they are not putting it in a saving account. First of all, one has to consider their goals. Then, they need to develop a realistic saving plan and stick to it for as long as...

Dealing with finances can be tough, and we’ve all felt the pinch at one time or another. Perhaps you find yourself struggling after the Christmas season each year, or maybe large, unexpected costs like broken appliances or your car needing repairs catch you off guard. Sometimes, having access to just a little extra money can make life so much easier- and these days it’s actually very simple to do this. The accessibility of the internet means earning some spare pocket money or even working from home full time is very possible....