Personal Finance Apprentice

Credit Card: Points vs Rebates - Which is Better? Most credit cards let you earn points that you can exchange for rewards. Some even just give you "gifts" when you spend a certain amount (though usually that means spending a lot), But some offer rebates - letting you get money back on purchases you normally make anyway. So how do you know which card is most "rewarding"?

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A personal finance blog about using financial literacy to build a better future. It gives tips on saving, banking, and investing.

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Christmas is just around the corner! And around this time, employees like myself will be receiving their 13th month pay (and Christmas bonuses, for the more fortunate ones). And isn't it also timely how stores - as you've probably noticed - go on sale around this time too?

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There are a lot of "small emergencies" that pop up from time to time. We can't use our emergency funds for them - at least, I don't believe that we should. And that's where "hidden wealth" comes in handy. So what's hidden wealth? Well, it's just a catchy name for stashing cash in unusual but safe and accessible (but usually unseen) places. It a simple and probably obvious thing, but it definitely comes in handy.

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A personal finance blog about using financial literacy to build a better future. It gives tips on saving, banking, and investing.

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A personal finance blog about using financial literacy to build a better future. It gives tips on saving, banking, and investing.

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Want to save money? Don't bulk buy! You can save money by buying in bulk - if you do it right. But most of the time, households are better off just managing their cash flows.

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A personal finance blog about using financial literacy to build a better future. It gives tips on saving, banking, and investing.

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10 Practical Shopping Tips To Help You Save Money A good portion - if not most - of our expenses usually don't come from pricey gadgets or other huge purchases. Usually our income is spent on everyday items like food and household items. And because of this, efficient or smart shopping is one of the best ways to reign in our budget and save money. So in this article, I've compiled a list of shopping tips that can be useful for saving money.

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The Importance of Saving. For anyone starting their journey towards financial freedom, the first step is actually very simple - save. It provides a real-world test. If you find that you are unable to save, then it's pretty much a sure thing that you are not ready to invest yet. But the test isn't how much you save, but how regularly you can save.

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