In its basic form, debt can be referred to as “something that is owed, especially money” or “a state of obligation to pay something owed”. Debt management is an integral part of every person’s...
In debt, what now?
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FPIMyMoney123™
Personal Money Management
Setting your financial goals
Setting your goals will help you plan for them. How to set your financial goals: Make a list of all the things you dream about and want to achieve for yourself and your family, such as an overseas...
Managing your debt
Managing your debt is a vital part to your financial plan. Debt can prohibit you from achieving your financial goals if not managed properly. Before you incur debt Do you really need it, or is it...
Creating an emergency fund
An emergency fund is important to ensure that you are not left destitute or having to borrow money in the event of an unforeseen event or emergency. How much do I need for my emergency fund? Most...
Creating a budget
A budget will assist you in having a good understanding of your monthly income and expenses. Before you start Have the following handy when you are preparing to draft your budget: Your salary slip....