If you are like many people, you may carry thousands of dollars of debt.  That debt can cost you thousands more in interest every year, which is essentially wasted money.  Credit card debt, especially, can be costly to carry as the interest rate is often 12.99% to as high as 29.99% if you have not paid on time before and incurred a penalty fee. If...

Getting a great deal on a credit card is getting harder and harder every year, since there are more laws limited what credit card companies can do, and more focus on increasing profits.  However, if you shop around and follow these rules below, you can help yourself find a great credit card that can work for you, and not against you. The Interest...

According to research from APACS, the banking payments association, UK cardholders spend around £10 billion a month on their credit cards. Statistics in the report show that there are more credit cards in UK than there are people. The credit crunch has stalled growth, but it’s fair to still say, when it comes to choosing a credit card – the choices...

When you first start a new business, you may understandably be focused internally.  There is much to keep you occupied within—how many people to hire, how much to pay employees, how much product to produce, where to find the best suppliers, how to generate additional revenue.  The needs of your business may be endless.  However, it is also important...

When you are struggling to make the pennies stretch far enough, it can be tempting to consider calling one of the firms that promise to write off the majority of your debts. However, the ‘loophole’ that many of the advertisements talk about is a legitimate solution, known as an Individual Voluntary Arrangement (IVA), for those unable to...

Taking out a loan is a big decision. There are so many things to think about and consider before you sign the paperwork. Instead of rushing into the decision, take some time to figure out if your situation can benefit from the use of loans or if you are just digging yourself deeper into financial insecurity. Here are a few great examples of when you...

Are you ready to make the leap to self-employment?  If you are considering quitting your day job to work for yourself, you may be both excited and nervous.  While you may be sick of your job and can’t wait to leave, it is prudent to carefully plan for the financial instability self-employment may bring. There are a number of aspects of your financial...

Within the last few months, the U.S. media has been reporting the high level of student loan debt graduating college students have.  In fact, the average student loan debt at graduation is approximately $25,000.  Unfortunately, there are many graduates who have a higher student loan debt, often as high as $50,000 to $100,000 depending on whether...

Is the Australian dollar about to crash on the foreign exchange market? These are the rumours that are circulating at present, as the AUD seems to run out of steam following months of astonishing gains against both the pound and euro. In the past fortnight for instance, instead of continuing the steady climb that has characterised the Australian since...

  China was the first country to use banknotes back in 100 AD. Chinese emperors authorised the use of paper money when shortages of copper affected coin supplies. Since then, the design of banknotes has been an artistic, as well as an economic, undertaking with some of the poorest countries in the world have the most beautiful banknotes. Below,...