*Ang article na ito ay naglalaman ng affiliate links.
Ok, so kakatapos ko lang magcut at magedit ng 10% sample ng aking eBook sa Amazon (30 Steps to Wealth) at gusto kong iannounce na ito’y available na para sa lahat. Ang unang chapter nga palang iyon ay naglalaman ng pinakaunang aral tungkol sa pag-asenso sa buhay, at ikaw ay magiging biguan kapag hindi mo ito naisasapuso. Alam naman nating ang tagumpay ay hindi nagmumula sa swerte at tsamba. Kahit makakuha ka ng panalong recipe o lottery ticket (halimbawa, may special talents at skills ka na pwedeng mapagkakitaan ng maraming pera), kung hindi ka nagsikap para kunin ang iyong premyo, edi wala rin itong kwenta.
Ang unang aral sa 30 Steps to Wealth ay tungkol sa self-improvement, at ang centrong tema nito ay tungkol sa tamang paghawak ng pera. Bakit ko naisipang ituro ito? May tatlong mahalagang dahilan kung bakit:
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Alright, so I finished cutting and editing the 10% sample of my eBook on Amazon (30 Steps to Wealth) and I wanted to announce that it’s available for everyone. That first chapter, by the way, contains the very first lesson about improving your life and you’ll be completely powerless in life if you don’t learn it by heart. As you know, success does not rely on luck and chance. If you did get a winning recipe or lottery ticket (you have a special set of talents and skills that potentially *could* make a lot of money), if you don’t work to claim your prize, then it’s useless.
30 Steps to Wealth is firstly about self-improvement and then its central theme is about proper money management. Why did I choose to center on money and personal finance? There are three MAJOR reasons why:
*Contributed by Eric Brown.
Financial management is a skill that many in the USA appear to have missed. The amount of credit card debt alone suggests that many regard their credit cards as a license to spend, often with little regard to whether they can afford the purchases. Consumers are paying a heavy price for the privilege of having a credit line and credit card companies are only too willing to profit from that. The high rate of interest they charge spells trouble for ordinary people who have not learnt the principles of good financial management and budgeting. Worse still, few seem to have the resources set aside to address a financial emergency. These things do happen and if people need to resort to even more card spending to address the problem, then their troubles are likely to worsen. Do you see yourself in this position?
*Contributed by Amy Nickson.
One day, your little child will face the big world all alone. As a parent, it’s your responsibility to inculcate good money lessons in them. Teach your children as to how they should manage their money and why money management is important.
How can you help your kids to become financially responsible? It is easy: Have a look:
1. Help them find a job
Children need to know that money is not easy to come by. Discuss with them why they need to work. This way they will understand the value of money and where the money comes from.
How can kids make money? Kids can make money by babysitting, starting a lemonade stand, car washing etc. But, these involve more direct money. So, the best ways in which your kids can make some money are by helping you out with your household chores. You can ask your kids to help you in cleaning the house, cooking and washing. In return, you can pay some money to your kid.
If your child loves pets, you can also allow your kids to do pet sitting or they can also become a dog walker. This is a great job for earning a little money.
2. Give them a piggy bank
You must encourage your child to save money. Tell them the importance of saving money . Gift them a piggy bank and tell them to save whatever possible.
3. Discuss financial goals with kids
Explain to your teens why it is important to set financial goals. Help them work out how much money they need to put away for achieving their goals. You can also discuss with your young adults regarding their short-term and long-term financial goals. Discuss with your children how much allowance they should spend each week and how much they must put towards short and long savings. Ask them to save money for charity as well. [Read more…]
If you’re looking to get a loan, it helps to know what you plan on using it for. There are several types of loans available in the country, ranging from something that simply adds to your current funding based off of your salary, or something that requires a lot more thinking like a business loan.
It’s important to understand your options and the risks involved when borrowing money. Most loans fall under two distinct categories: Unsecured and Secured.
Secured loans require collateral, which will be used to pay back the amount borrowed should you default on the loan, while Unsecured loans require no collateral but have a higher interest rate in order to ensure prompt payment.