I believe that Personal finance encompasses all the decisions a person might make when it comes to cash flow, budgeting, retirement, investments, multiple streams of income, and insurance protection. Every adult is bombarded with decisions to make when it comes to all these areas of life and I try to help with my thoughts and opinions on the various topics.
It happens - you did your budget meticulously, but shopping here, a high bill there, and you're breaking the bank once again. It doesn't have to occur, though, and there are steps you can take to smart expense management. The best part - you won't feel it in the long run. Everyone's life is different, but most have some overlapping fields that eat up your salary. Here are four areas where you can lower your expenses with very little work. Do Some Energy Efficiency Checks Does your electricity bill always come a bit higher than expected? There are ways to fix that. [...]