Tips Resipi

Bagi sesebuah syarikat, mungkin musim bonus telah berlalu. Dan mungkin ada juga syarikat yang belum menawarkan bonus bagi pekerjanya.

Apa yang akan anda lakukan jika tempat anda bekerja memberikan bonus sebanyak 8 bulan?

1. Reward myself (Should it be no.1? Ahahah :p )

2. Melabur (ASB, amanah saham, saham, FCPO, etc)

3. Menyimpan

4. Membeli aset

5. Membayar hutang-hutang (kalau ada)

6. …

Atau apa sahaja. Dan anda boleh berkongsi di sini. Senaraikan apa yang anda akan lakukan mengikut priority. Yang mana anda patut dahulukan, dan yang mana tidak.

p/s: Bagi sesiapa yang masih ragu-ragu, atau tidak pasti apa yang patut anda lakukan, jangan lupa sertai kami dalam Bengkel Cashflow 101 yang akan diadakan pada 23 dan 30 Mac ini :).

>> Untuk pendaftaran sila klik di sini!

Baca:

Kenapa saya perlu menyertai bengkel ini?

Kadang-kadang, kita tak boleh lari dari memerlukan debt instrument dalam kehidupan kita. Nak beli kereta, perlukan pinjaman. Nak beli rumah pun, perlukan pinjaman juga.

Namun begitu, kita punyai pilihan yang banyak dalam memilih debt instruments yang bersesuaian dengan aliran kewangan kita. Jadi, adalah lebih baik jika kita membuat perbandingan dulu dari segi harga atau caj yang dikenakan dan beberapa faedah yang lain yang boleh membantu kita untuk membuat keputusan dengan bijak.

Dalam website www.ringgitwise.com ini, boleh membantu anda dalam menentukan pencarian anda Melalui website ini anda boleh:

1) Compare Credit Cards

2) Compare Hire-Purchase Deals

3) Compare Home Loans

4) Compare Base Lending Rates

Input-input dalam website telah dikemaskini pada Julai 2007. Mungkkin ada beberapa fakta yang sudah berubah. Antaranya:

AffinBank Credit Card

1) Interest rate : sudah diturunkan kepada 9.99%

2) Annual fee: Dihapuskan

* Fakta ini berkuatkuasa pada 31 Ogos 2007

Apapun, anda masih lagi boleh pergi melawat ke website-website setiap bank yang ada untuk maklumat terkini. Selamat memilih

The video on woman & debt part II. Let’s learn together on how to manage our debt prudently after this!

This is an interesting video about women and debt. In the synopsis of the video stated this, “Men owe twice as much money as women, but women are more likely to struggle with debt and more likely to use ’sub-prime’ credit - credit which is easier to access, but costs more in interest rates.”

Enjoy the video and Happy New Year 2008 to all of my reader especially woman out there.

By Kausik Dutta

If you are asking yourself this, you probably have already found out, like many others, that it isn’t hard to accumulate a lot of debt. Credit cards, student loans, car payments, mortgages, medical bills – there are dozens of reasons that people develop debt, and it’s a lot harder to get out of debt than to get into it.

However, there are several things that you can do to take control of your financial situation. If you are in the debt cycle and are wondering what you can do to get out of debt fast, here are a few tips:

Get organized. Find out exactly how much you owe to each creditor that you have. This is often the first step in being able to really work out a plan to get your debt under control. Bills with the highest interest rates should be worked out first, and always make sure that you pay at least something to each creditor each month to prevent further damage to your credit.

Revisit your budget. Document ALL your expenses and take a look at what you are spending your money on. Chances are there are at least a few things here and there that you can cut back on. It’s often a few small things each month that can really set you back. Consider brewing your own coffee in the morning, taking your lunch to work, etc. Also, it may be helpful to set a limit on the amount of money you spend each week. If you know how much you have to last you to the end of the week, it may help you reconsider certain unnecessary purchases.

Use cash instead of credit and debt cards. We all know that problems that can arise out of credit card use. However, debit cards can often make your financial situation worse even though they don’t charge interest. Just like credit cards, debit cards can make you feel like you really aren’t spending much since you aren’t actually counting out the cash. Also, unless you update your checkbook with every debit or check card purchase, you probably aren’t keeping track of those expenses. This can lead to overdraft fees in your bank account – making your debt even worse.

If you have tried all of these and other methods and are still trying to find the best way to get out of debt, you may need to go one step further. Debt-reduction programs exist that can help guide you and get you on the track to being debt-free. These programs can be very helpful for people who are still struggling and asking “how do I get out of debt?”

TIP: Debt-reduction programs are abundant. You don’t want to waste your money on ineffective programs or scams, so make sure that you go with a reputable company. Look for programs from companies that offer a guarantee, provide client testimonials, or are members of a legitimate business organization.

It’s not uncommon to be in a lot of debt, but that doesn’t mean you have to live with it. If you have tried to get out of debt and are still struggling, there are good programs available that can help you get out of debt fast. Just remember the tips and find a good program that can get you on the right track to being debt-free.

About the author:
K.S. Louman writes consumer information articles on personal finance and debt-reduction. If you want to get out of debt fast, please visit www.debt-free-in-three.com.

Article Source: http://www.Free-Articles-Zone.com

By: Arouse

An increasing number of people are applying for a personal loan as a means of consolidating their previous debts, an industry expert has declared.

According to Robin Amlot, senior editor of Moneyextra, more Britons are now looking towards a personal loan to help them quickly meet a number of commitments on their spending, such as credit cards and overdue utility bills - thus leaving them with more disposable income at the end of every month. Pointing to various surveys commissioned over recent months in addition to anecdotal evidence, Mr Amlot asserted that consolidating debts is now the “key reason” for taking out a personal loan.

He said: “Two key factors about taking out an unsecured personal loan as a way of consolidating your debts is that you are fixing your interest rate - so you know what you’ll be paying each month - and you are fixing a date in the future at which you will have cleared the debt”

However, the Moneyextra editor warned prospective borrowers considering make an application for such a loan to use the money that they receive wisely and to avoid getting further into the red. “Using a personal loan in this way as a financial management tool makes a great deal of sense but only if you are then disciplined enough not to run up further debt on your credit card(s) and overdraft in addition to the loan you are now paying down,” Mr Amlot asserted.

In addition, he pointed out that a number of Britons are taking steps to reduce pressure on their spending as the effect of the recent credit crunch begins to impact “directly” upon those consumers who are already overstretched financially. He stated that in the run-up to Christmas it is unlikely that the country will “collectively be going further into debt to spend”. Mr Amlot suggested that a number of people are “actively” trying to reduce the amount of money they owe or transfer their borrowing to a cheaper basis, with a debt consolidation loan one possible way of reducing lending commitments. The editor also asserted that borrowers are finding it more difficult to take on further debt, whether this is through a secured loan, credit card or overdraft, while high street retailers have expressed concern that they will face a tough Christmas this year due to a shortfall in consumer spending.

Earlier this year, Susan Hannums, savings manager at AWD Chase de Vere, reported that more people are set to borrow money, through avenues such as secured loans and credit and store cards, in an attempt to help fund spending as the festive season approaches. The rising popularity of applying for a loan at this time of year was partially attested to the rising cost of seasonal gifts and food. However, she asserted that as mortgage costs are set to increase, due to the Bank of England’s series of base rate rises over the last year and a half, more homeowners could see themselves struggling financially in the run-up to Christmas. Ms Hannums also pointed out that the new year often sees a vast number of Britons develop difficulties in managing their money, with the taking out of a debt consolidation loan one possible way of alleviating such pressures.

About The Author– Abbi Rouse writes for All About Loans. Visist us today to apply for cheap loans, personal finance, and UK tenant loans.

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