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I should have gotten a personal loan

Sometimes I wanted to pack my things and just suddenly fly to the Philippines. For more than three years now, I haven't seen my family since I left to come to the US. I miss them terribly. Last month, it was my oldest brother's wedding. Prior to that was my best friend's wedding. I saw the pictures that they sent me but it isn't definitely the same as being there. I really wanted to fly that time and be able to attend but unfortunately I couldn't afford it. Probably, if I applied for a Personal Loan or a Payday Loan, I would have been able to. Oh well, I should prepare next time and hopefully have the means to fly anytime. If not, I might resort to applying for personal loans.

Are you financially fit?

Have you ever taken a financial quiz? I'm not talking about anything related to school. It's about a quiz geared towards helping you find out or assess what your financial condition is currently. It's the BillsIQ test. For just a few minutes, I answered a few simple questions. I have already blogged about this since I took it before and now I took it again just to remind myself of the things that I need to watch out for for a good financial health.

As I grow older, I become very aware of how hard life can be especially when you are financially unsecure. Right now, I am doing some simple planning for my future. Of course we don't know what will happen in the future but now that there's something I can do, I am doing my best to prepare for it. There are so many things to think about like retirement, major purchases, maintenance, savings, insurances, health conditions, etc and they all involve money. Bills.com has so much information anybody can use for future planning. After the test, it even give you solutions and ways to improve or be in a better shape financially. Take the test and see for yourself.

Start saving now!

Nowadays, it is imperative for us to assess our finances. The stock market is not as robust as it used to be due to the real estate market downturn. Prices are climbing faster that we haven't expected like gas prices which affected other commodities that we are already feeling the pinch. There are a lot of jobs cuts and downsizing among big or small companies. While we have a job and a steady income, it's high time for us to be good with saving and making them work for us. Evaluate whatever savings accounts that are out in the market today. They might not serve us best. There is a site that can help us find the right bank at the best rates for CDs, checking accounts and savings accounts. Right now, emoneycentral.com have listed savings accounts that can earn up to 3.66% annual percentage yield (apy). These are federally insured up to $100K so we can still get our money back in case the bank will fall. Everything to know about those accounts can be found there for a wiser decision. It's a very informative and helpful site if we are serious in saving money which I believe we should be to be able to survive with the times.

My financial Mess

Since coming here in the US, I was overwhelmed by how much "power" I have over my finances. I didn't wait for too long to get a job. I know I really wanted to work and apply my knowledge and skills and it opened the doors for me. Tons of credit card offers fill my mailbox. Telemarketers always call to ask me to sign up and salesclerks at the store tempted me to sign up for discounts. I was a neophyte about credit card management. The initial purpose of getting a credit card before was just to build my credit. Now, I got tons cards and much debt! I realized I needed Debt help! There was a time that I thought about Debt consolidation but didn't attempt to go through it because if I compare myself to other people who have tons of debts, I believe I am better off. Now, I regretted signing up for a lot of credit cards. I should have had more control on my finances. I don't like this feeling knowing that I still have outstanding balances in some of my cards especially now that I have to fend for my own. There's nobody to help me except for myself. Right now, I'm still working on paying off some of my debts and have been searching online on how best to do it. There's Bills IQ which helps people determine their financial health. I took their easy test and was relieved to confirm that my finances are quite alright. The good thing is that after the result they offered ways for Debt relief.

Trust & Asset Management

Are you saving for retirement yet? Young or old, especially us women of today, need to start giving attention to our financial strenght and that includes retirement. It would be nice if the time comes when I can just do what I please and not have to work for a living. This is possible through a good retirement income . But then, since I'm still young, I need to plan for it and save.

Now before I start saving for my retirement, I need to know what my options are since there are tons of ways to do it. There are so many financial institutions that are more than willing to help you achieve it. That includes Northern Trust, a company dedicated to provide the best investment management and asset administration to corporations, institutions and affluent families. For corporations or family businesses, Northern Trust can help in choosing the best business checking account that will give the best value for the company. If I have the money, I would hire a financial advisor to help me make the most of my money and lead me to a better, brighter future.