You might be already aware of scores of ways in which you should budget your spending. You might have gone to financial experts visited money management websites or taken courses on financial literacy etc. But did anybody give you a step by step direction on what you should do and what you shouldn’t to manage your money efficiently? Most often, unless you personally took the trouble for acquiring in-depth knowledge, you are given broad and generalized outlines. These don’t necessarily relate to your unique life situation. Moreover, you are not very precise about your plans. This is the reason for many of us there is a slip between the sip and the cup. Here’s some advice with a difference. You are not asked to do this and do that for controlling your expenses. More than the implementation [...]

Raising a big loan is a major issue and there are different ways in which you can do it. You might want to bank on your credit card company or take bank loans, but you know very well the complications that you might risk getting into with these options. Your credit card company will ask you to satisfy a number of clauses whereas banks will have endless evaluations which might delay the delivery of money when you need it the most. If you remember before the credit card concept came into the market, we used to simply call up a lender and would get money in a single step by mortgaging an asset. Otherwise you wouldn’t have had to mortgage. You’d simply show some asset for credibility on which you could loan money. This was a simple transaction and was by far the fastest and most convenient. [...]