Personal Finance

Do you run a large family and you are looking for ways to save? If YES, here are 21 bad habits you must break to save money on grocery shopping without coupons. We need money to live a comfortable life no matter the part of the world we live in. Money is a medium of exchange…

Do you always dread receiving your monthly electricity bills because you are almost sure that what you are going to find in there would not be pleasant to you? If YES, here are 12 bad habits you must break to save more money on electric bills. Before i go further, i want you to know…

It is a known fact that young drivers carry a high risk and thus pay a higher premium. However, here are 10 tips and tricks for saving money on car insurance. If you work and earn money, you would always appreciate it when you look at your bank account and see money there; money that you…

Are you an employee or retiree looking to own passive income streams online part time? If YES, here are 20 ideas on how to create passive income with no money. It is an established fact these days that one source of income is never enough to handle a person’s daily needs, including paying the plethora…

Do you want to build credit fast at a young age of 17 & 18; or as a college student? If YES, here are 50 ideas on how to build credit with a credit card for the first time. We live in what people refer to as a ‘plastic society’ where credit card use is…

Do you want to save money at home without spending the money? If YES, here are 50 ways to cut cost at home from groceries, food, car insurance, gas, electricity. With rising cost of everyday items, everyone now seems to not only want to stretch their pay cheque but to also cut down on the…

Are you torn between the choice of starting a business vs traveling abroad to seek greener pasture? If YES, here’s a deep comparison to help you decide the best between traveling abroad and starting a business. Almost every Nigerian, especially Nigerian male who has not yet left the shores of the country, has nursed the…

Do you want to eliminate credit card debt legally without paying or hurting your credit? If YES, here are 20 tips & tricks to get rid of Credit card debt fast. A credit card is usually a card that is issued to an individual by a financial institution so as to enable them borrow funds…

Do you want to learn how to make money effortlessly? If YES, then read on as i reveal the ultimate law of attraction and how to apply it to your life successfully. Life is governed by rules or laws that were enacted since time immemorial. If you can learn to play by the rules, you…

Do you want to retire young with good health, travel the world and be financially free? If YES, here are 7 proven strategies on how to retire early and rich. Before I go about sharing tips that will help you develop your own retirement strategy; I want to appreciate my mentor “Robert Kiyosaki” for stirring…

Are you a late bloomer and you are thinking on possible strategies that will help you live a life of abundance in retirement? Then below are ten smart retirement tips for late bloomers. According to the Employee Benefit Research Institute (EBRI), Only 58% percent of Americans aged 55 years and above have been able to…

Are you a woman looking forward to retiring early and living a life of abundance in your old age? Then below are ten early retirement tips for women. Many schools of thought believe that women generally have a higher life expectancy rate than men. This means that women are likely to live longer than their…

One major factor that will determine your level of satisfaction with your investment firm and with how they manage your money is how well your investments performed compared to the broader market. But according to a 2013 U.S. Full Service Investor Satisfaction Study, two elements (aside investment performance) determine whether you will be satisfied with…

When you have free money that you don’t need at the moment, you can handle such money in either of two ways—or both: by saving and by investing. You may be accumulating your extra cash with the aim of buying something later in the year, such as a new car, a new HD plasma TV,…

What are the best personal wealth building strategies for entrepreneurs? How do I increase my wealth without working too hard? What are the exact steps one can implement to attain financial freedom and get out of debt? If you seek answers to any of the questions above, then i advice you read on. Everybody keeps…

According to Wikipedia, a self-directed IRA (Individual Retirement Arrangement) is “a type of IRA that allows the account owner to direct the account trustee to make a broader range of investments than other types of IRAs.” A self directed IRA is a smart way to save for retirement. It can be funded in many ways,…

Are you always wondering why you exhaust your monthly salary without having anything left to save? Are you always wondering why you keep wallowing in a mire of huge debt despite earning a decent monthly income? Then it’s time to create a budget and stick to it. Making a budget and sticking to it is…

Do you want your children to be financially literate but you lack ideas how? If YES, here are 10 best fun activities that will teach your kids about money fast Today, many individuals and businesses are wallowing in a mire of financial problems due to little understanding of money and poor money management skills. Unfortunately,…

Why do the rich get richer and the poor get poorer? What is the wealth accumulation secret of the rich? Here are 19 untold reasons the rich keeps getting richer. Sometimes it just might seem that the world is partial especially when you see people who are extremely poor and can’t eke out a living…

Do you want to know how much it will cost you to retire early? If YES, here are 7 practical tips to help you determine how much money you need for retirement. It’s never too early to start planning for retirement. You may think that you are young and still have enough time. But the…

Do you have a career or a business? Have you thought of the kind of life you would like to live when you no longer have the strength to work? If you have not really given any serious consideration to any of these questions asked above, then you might be missing something. It pays greatly…

Statistics shows that over eighty five percent of the whole American populace are in one form of debt or another, and some people don’t even get to pay off the debt until their death. Being in debt can be a distracting and stressful situation as your debtors will keep you on your toes all day…

As an average college student, you may not have all the money you need to go by. Your main income may be the little pocket money you get from your parents or the little money you make from the part time work you do. The only exception to this scenario is college students whose parents…

Live is in stages; from birth to old age are all different stages we all have to pass through in life, and each stage has various characteristics that people of that age are known for. Senior citizens are made up of people who have retired from an active work and are actually depending on their…

Do you want to retire young in financial abundance and travel the world? If YES, here are 21 smart tips on how to save for retirement in your 20s or 30s with ease. Whether you are in your thirties, or even twenties, it is very needful that you have the future at heart; it is…

Retirement age varies from country to country and also from profession to profession, but one thing that is common is that there is limits to which anyone can be actively involved in the labor force hence the need to make adequate preparation for life after active service. Irrespective of what someone earns and how comfortable…

The dream of every employee and even business owners goes beyond making good income to be able to pay their bills and take care of their family members but also to be able to enjoy their retirement when the time comes. If your intention is to work hard and be able to enjoy and maximize…

Most people put their monies in banks because they feel it is safe, secured and in some cases profitable to do so ignoring the fact that all banks are in business to make profits and more profits as long as they have the opportunities to do so. So if you go to a bank to…

If you are a wealthy man or woman or an entrepreneur who intend to build great wealth, one of the strategy you can adopt that will guarantee that you keep your wealth intact or to ensure that your effort of building great wealth is to devise a means to legally protect your money from the…

If you are a wealthy man or woman or an entrepreneur who intend to build their wealth to a reasonable level, then there will be need for you to protect your money from anybody that can easily have access to the money. Your family member and friends know how to get money from you especially…

Are you an entrepreneur? Are you bothered about life after retirement? If YES, here are the best retirement plan options and tips for small business owners. Life is such that requires that after a hard work, there has to be a time when one has to relax and not work actively. This is one of…

Do you need a loan to start a business but you have no collateral/guarantor? If YES, here are 20 easy steps to start a small business with bad personal credit. One of the worst things that can ever happen to you is to delve into business without having the required start up fund to sustain yourself…

Do you want to retire young and be financially free? Or you want to eliminate debt? If YES, here are 50 best personal finance tips and tricks for young adults. Handling finances can be very tricky even for full adults, not to mention the ones who are just beginning to evolve into the world of…

Are you afraid of losing your hard earned money to inflation or recession? If YES, here are 19 best ways to protect your money from inflation or economic collapse. There are some things that are certain in life. Things like tax, death and of course inflation. Some certain external factors such as inflation and economic…

Do you want to retire young and rich without having to work for money again? If YES, here is how to build wealth from scratch in your 30s and 40s guaranteed. Life comes in stages; we are born, we go to school, graduate, pick up a job or start a business, and the next thing…

Do you have savings in the bank and you want to multiply it with low risk? If YES, here are 50 best profitable things you can do with money sitting in the bank. Smart investors cum business people know the importance of leveraging on money to build more wealth which is why they collect the…

Are you gone past age 50 but you still want to retire rich and travel the world? If YES, here are 33 guaranteed ways to build wealth from scratch after 50. If you ask anyone they would tell you that one should have already started acting on wealth creation from age 25 at least. This…

Are you in your 40s or 50s with no retirement plan but you wish to retire well? If YES, here are 17 smart tips on how to save for retirement in your 40s or 50s. When some people think about retirement, they only picture it as an end to a vibrant life. This is the…

Are you about starting a retirement portfolio but don’t want to invest in a 401K? If YES, here are 13 smart tips on how to save for retirement without a 401K. Since it was established in the 1970’s, 401k plans have been by far the most popular type of employer-sponsored retirement plan in the U.S.,…

Are you self employed and wish to retire with enough money to travel the world? If YES, here are 7 smart tips on how to save for retirement when self employed. Quite a number of people dream of becoming self-employed, and quite a number have gone ahead to achieve that dream. But being self-employed comes…

Do you want to know the net worth of a celebrity or someone you don’t know personally? If YES, here is a guide on how to calculate the net worth of an individual. What is Net Worth? Net worth is the value of all the non-financial and financial assets owned by an institutional unit or…

Are you confused on the best retirement plan to choose? If YES, here is a detailed comparison between saving for retirement vs paying off debt vs buying a house. If we aim to live a better life, then we have a lot of choices to make. Some are simple choices on how we can live…

Are you a high income earner and you need ideas on how to cut down your taxes legally? If YES, here are 50 best ways to reduce taxes for high income earners. Do you have a high salary, own a business, own real estate, have capital gains, or generate a lot of income from inherited…

Some people sometimes get apprehensive whenever they cash cheques, worrying over the paper trails they have left behind. This worry can stem from so many reasons especially people that carry one or more debts. While the IRS can be thorough when it comes to tracing funds, but it should be realized that the IRS doesn’t…

Do you sometimes wonder why youths of today accumulate huge credit card debts? The answer is simple; it is due to the absence of a well-structured/planned financial life. Many individuals make the mistake of spending recklessly with their credit cards. This leads them to spend out of their budget and accumulate excess debt. We have outlined simple and easy…

The determination of an individual’s net worth can be a very useful tool in the measurement of the individual’s economic status and even in the measurement of his or her financial progress from year to year. In a nutshell, your net worth is basically the sum total of all your assets subtracted from your liabilities….

If you are self-employed, work part-time or if your employer does not offer a retirement plan, you will find out that it is not so easy to plan for your retirement when all the work is all up to you. However, if you work in an environment where your company sponsors a 401(k), saving for…

Are you currently living paycheck to paycheck? Here is how you can save money even if you earn very low income.  Majority of us have the desire to save cash so we can create wealth and make plans for future purposes. We have goals we want to attain like buying a car or a home, amongst…

Are you a traveler at heart, but you do not have the funds to accomplish your dreams? You can actually travel the world with no money. Here is how go about it.  Countless number of people dream about quitting their 9-5 jobs to tour the world. The fear of quitting and eventually failing at what you…

Do you have any reason to suspect that you will likely be going though a divorce soon? Are you currently going through one? If YES, then you ought to start thinking ahead. This article will give you pointers on how to protect your money during a divorce.  When people sign the ‘happily ever after’ dotted…

In this new age and with the advent of technology, people still find it very hard to hide or protect their money from lawsuits. The IRS are working on finding secret Swiss bank accounts, which has yielded a solid understanding between the agency and so many Swiss banks. Reports are showing that the rest of…

Budgeting is the first step to financial planning and it is also the only panacea for good financial health. The importance of making a budget cannot be overemphasized. If you and your family want financial security, following a budget is the only answer. You may think this decision will not have much impact on you…