Define realistic goals: A participant in the race usually likes to set a target. It may be completing the race or finishing within a set time or finishing within the top 100 runners. All participants will not set the goal of winning the marathon because this is unrealistic. Similar is the case of planning your […]

Financial planning is a process of achieving one’s financial goals and a true financial planner provides guidance and a process for determining the best way to meet important goals of life through the proper management of financial resources. Though the world is full of an endless array of free financial planning information, websites, books and […]

IT’S AN age-old wisdom that tells you not to spend money you don’t have, but, sometimes, you find yourself spending more than what you earn. In hindsight, you realise that you actually spent that money on something that was not so necessary. For instance, you impulsively swiped your credit card last month to pay for […]