The question of the budget in a family with a child is considered to be one of the most important ones in financial planning. Kids have always been “hard” chapters in family budgets. From my point of view the main problem is that children need to learn the difference between their needs and desires. They [...]

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As you know currently there are a lot of insurance companies, and each one tries to convince us that only this company is the best and certainly reliable. But we should make the right choice any way. The main thing is that you should keep in mind that cheap doesn’t perfect though some exceptions are [...]

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Hi, I’d like to go on talking about kids. To be exact I mean kids as an essential point in your family budget. Certainly you’ve read my previous article on this matter. And I’d like to continue now without delay. Let me start with clothes for children which are considered to be a very important [...]

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This crisis has helped many people to understand that they are used to living too luxuriously. I just mean that it is quite possible to live spending much less. Do you really need these expensive new clothes? Of course I don’t mean that you should wear rags, but I mean that you can find good [...]

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Hi, I’d like to discuss one serious problem which arises when we start seriously dealing with financial planning. Of course I’m talking about the cult of new things. It’s a really serious problem actively discussed by anybody who is interested in financial planning. We should cope with this problem any way.
Five years ago, I [...]

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Many people are sick with new things. They do their best to get new things at any cost. It goes without saying that this practice is dangerous for their financial position. The matter is that this happiness of owning material things is just a momentary pleasure. Without a constant influx of all these new things, [...]

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As you know we like to talk about how to save. But to my great regret we often ignore saving on little things. It turns out that this is no less important aspect of financial planning than playing on the stock exchange for example.
So, we should pay more attention to little things because they [...]

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When people start thinking about the family or personal budget they often get depressed because it seems to them that any budget includes such unwanted things as strict and impenetrable frame, sever control and certainly the complete lack of financial freedom. Although in reality everything is exactly opposite. As you know we often suffer from [...]

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I see that you want to learn saving money. In fact it’s not so difficult. My tips will help you. So you shouldn’t take goods and services on credit. It seems that the effect is the same as when you deal with savings. But the problem is that when you have certain savings then buying [...]

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Sometimes we need to pay for credit in larger size to reduce the period of loan repayment from five years to two or even a year. So we start saving. We have to limit ourselves where possible. It goes without saying that it’s quite an unpleasant effect. So there’s no wonder that very often we [...]

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