Thinking through Emergency Funds

The concept of emergency funds or reserve funds is a common one in the world of personal finance. The importance of such funds cannot be over-emphasized for every individual who takes their finances seriously. Vanguard.com defines emergency fund as “a stash of money set aside to cover the financial surprises Read more…

Good and Bad Debt

The topic of debt is one of the important topics in personal finance. It is a topic we cannot avoid because it affects a lot of people. On one side are people who have wrecked their finances by taking on loads of bad debts. On the other side are those Read more…