Insurance - An Essential Means To Protect Yourself

Insurance means you have protection. This is a worthy step toward secure living. In today's life where dynamism and speed is the name of the game, uncertainties and stress is also on the rise. The speed with which the world moves forward and we have to follow suit often upsets the body clock and biological mechanism and often result in events or accidents which translates into monetary or material losses.

To counter this, one important Insurance that most people have on their minds is that which covers their cars. This is because a car is not only something you drive to carry yourself around but also something which is close to your heart. The good news is that there are many insurers who offer car insurance at discount rates by presenting different schemes that can work very well for you. These discounts may vary from region to region and company to company. But most of these can be attractive all the same because they are designed to attract customers by offering them several benefits. You have to check if you qualify for the set of conditions you would be required to meet to avail to these discounts.

These discount offers bring in their own sum of thrills because you never know what pleasant surprises await you. Your driving profile is often the single-most important decisive factor in your chances of being considered for such discounts. Naturally the insurance companies want to set an example by having a safe driver as a model who at the same time, will save them claims!

At the same time, do not make the mistake of believing that some people are, by their temperament or by virtue of their astrological sign, prone to accidents. By adding safety features and anti-theft devices, you can improve upon your risk profile tremendously. What more, you may even join a safe driver's club, for instance to display your reliability—and thereby a cheaper car Insurance.

By Allan Elvin

Allan Elvin is an MBA in Finance and has a rich experience of writing on topics related to finance. He professes special interest and expertise in and Car Insurance and Life Insurance in guiding you on its various details.

Article Source: http://EzineArticles.com/?expert=Allan_Elvin

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How To Protect Yourself From Interest Rate Rises

Every home owner who has a home loan to pay, will probably be concerned at the information being spread in the media about a possible melt down in financial markets. The major concern being a possible increase in interest rates.

In fact, there are some commentators who are predicting that home loan interest rates in Australia could reach the 17% heights of the 1980s. As crazy as this sounds, and whether it is in fact true at all, it has the potential to cause heartache, worry and possibly some sleepless nights.

The only thing that is certain about the current situation is that it is uncertain! If rates were to rise, even by only 1% or 2%, this will cause a lot of trouble for a lot of people. For many, it may not necessarily be the actual rate rise in the mortgage market that makes the difference; it will be the impact that it will add to the other debts that are common in households, personal loans and credit cards.

I have always maintained that it is the credit card and personal loan debts that cause the major problems for most borrowers. It doesn't take a genius to know that credit cards and personal loans can cost 2, 3 or even 4 times more than a home loan.

But it doesn't need to be all doom and gloom. There are certain steps you can take to prevent any further financial pain, and it won't cost you a cent.

Here is a quick check list of steps that you can take to make life a little easier on the financial front. They may look like just plain old common sense, but many people ignore them. In the current market, they will ignore them at their peril.

• Prepare a household budget. This is possibly the most ignored step in any plan to financial freedom. There are literally dozens of free sites with information showing you how to bring your finances under control. You can also choose from a myriad of commercial applications that take things into a detailed perspective.

• Eliminate all unnecessary expenditure from you budget. This is a natural follow on from the first point, and is a vital step. As you identify or want items are necessary, and which are discretionary.

• Call your mortgage broker and organise for your mortgage to convert to a fixed rate. This is probably the most vital and easy step of all. Think about it, if rates are going to rise to 17% in the next two years, what's stopping you from locking into the next five years now at just under one half of that?

By simply implementing the three steps I have outlined above, you will immunize yourself from any financial pain that may be caused by the current uncertainty in the financial markets. Even if you only implement the third point above and fix your home loan rate for the next three years or more, you'll be sleeping easy at night.

By Michael Haydon

Michael is the owner of Total Home Loans, The information site of choice for borrowers who want the best and latest strategies for getting the best home loan in Australia. Free eBook is also available at Total Home Loans

Article Source: http://EzineArticles.com/?expert=Michael_Haydon

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Saving for Retirement – Are You Choosing Not to Save?

Losing half of my income by going into retirement was a really shocking eye-opener for me. I had obviously not done enough saving. How could that be? I felt terribly. I felt that I was a failure in some way. It only dawned on me later that I could only have saved more by earning more or by reducing expenditures in other areas; in other words, by adopting a lower standard of living while working. I also realized that millions of other people were facing those same kinds of choices all of their lives; eat healthy or eat poorly; raise the children in poorer, rougher neighborhoods or in nicer, safer neighborhoods; send the children to inferior schools or send them to better schools; take vacations to new, culturally stimulating places or go to see the same relatives every year.

I want to be very clear. If you or other people eat poorly, rear your children in rougher neighborhoods, send your children to inferior schools etc., by choice, that is perfectly all right. One of the wonderful things about this great country of ours is it does provide us, all of us, the freedom to choose. Does that mean that we prudently exercise our right to choose? The answer to that question is a resounding NO! Do I believe that most people choose not to save? My position, and you will see it again and again throughout these articles, is that paycheck-to-paycheck employees do not earn enough money, so I certainly do not blame them for the situation in which most people find themselves come retirement time. Remember, I was in the same situation.

In the United States today, inequality in wealth, wages, and income are historically high. About 95% of the population retires to levels 20 to 50 % lower than their pre-employment income. That new, reduced income level generally becomes fixed, with the exception of occasional “cost of living” increases from Social Security. Only about 5% of people in the United States retire financially independent. I define financial independence as having income from assets that provides levels of income sufficient to support your living standards whether you work or not.

Expanding global competition, changes in the nature of work, the out-sourcing of work, out-of-control un-documented immigration, and rapid technological advances are altering economic reality. Yet many of our policies, attitudes, and institutions are based on assumptions that no longer reflect real world conditions. One constant, however, is the fact that most people who work for a paycheck do not become financially independent, even with the aid of the best financial planning. Another major question for you to answer for yourself is: Can you even survive mergers, down-sizing, lay-offs and other adverse factors and maintain your present or a comparable job until retirement?

Remember, you do not have to live on less in retirement. No matter where you are right now financially, you can build and enjoy a retirement lifestyle you desire. Peace.

By Harold L Lowe

Harold L Lowe retired at age 62 when his six-figure income positon eliminated. He shockingly found a 50% reduction in his (combined pension and Social Security) income. He’s since learned that income reduction is faced by most paycheck-to-paycheck employees. You can get a copy of his Free, eye-opening Report “Financial Planning for Retirement is not Enough!” at http://www.haroldllowe.com

Article Source: http://EzineArticles.com/?expert=Harold_L_Lowe

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The Business of Art Investing

The acquiring of art for business purposes has increased since the early 80's and has kept pace with other investments and in sometimes outperformed other investments. It is important for investors to remember that there is a finite amount of artwork from famous artist waiting to be bought and sold. Therefore, more moderate returns on art investments should be expected.

ArThe acquiring of art for business purposes has increased since the early 80's and has kept pace with other investments and in sometimes outperformed other investments. It is important for investors to remember that there is a finite amount of artwork from famous artist waiting to be bought and sold. Therefore, more moderate returns on art investments should be expected.
Art, like many other investments, can lose or gain value quite quickly. Art is unique from those markets, though, because the reasons for a change in value are often unforeseen and objective. Unlike stocks and real estate, an art investor can't go to a single source and find out exactly what an art investment is worth.
As a business, art investing can mean quite a return if the piece is held for long enough. Many investors new to the art buying industry have been attracted by the advertising of record art sales which have taken place in recent years. A large return isn't guaranteed, but it's certainly a possibility that's intriguing.
Besides giving some a very tidy return, the business of art investing isn't subject to market fluctuations like other investments. Buying art doesn't require as many fees and related costs that, say, buying stocks does. That is an added benefit for art buyers who are already seeing higher than average returns.
The biggest downside to art investing as a business is not making the wrong acquisition, but becoming subject to industry fraud. Having phony artwork and passed off as real has lost art buyers millions of dollars. Usually, the people passing off these fraudulent pieces are themselves frauds whose brokering credentials are questionable at best.
To prevent fraud and also ensure the value of a piece, authenticating artwork with documentation, or provenance, can be a great idea. An authorized appraiser can make sure the proper documentation is in order to determine the pieces true worth.
Most new art investments aren't made with all the pertinent information at hand. Art investing is a business and it's important to invest in that business aggressively. If it's possible to invest more money in an artist premiere pieces of art, then that's what should be done. Buying a piece that an investor likes as well as captures the interest of the industry is quite important.
Many critics of the business or art investing might contend that art is entirely too unrealistic as an investment strategy. They conclude that while stocks and other conventional investments bring in a steady income, artwork only becomes profitable if it can be resold. The profit resale value of art is never an exact science.
Acquiring art has quickly become a feasible part of a diversified portfolio. This is not only the case in America, but in countries worldwide. The Middle East and Far East have hosted investors who've completely bought into the idea of investing. As of late, the Austrailian art market has become more prominent as well. Many a multi-million and billionaire foreign business persons have invested steeply in Western art antiquities and newer creations. It makes sense that the business of art investing intrigues so many as the world economy broadens and traditional investing becomes less sure.

By Cj Boston

American Debt Credit Services provides free debt analysis’s to allow common Americans to see where they are and where they can be financially. American Debt Credit Services.
Article Source: http://EzineArticles.com/?expert=Cj_Boston, like many other investments, can lose or gain value quite quickly. Art is unique from those markets, though, because the reasons for a change in value are often unforeseen and objective. Unlike stocks and real estate, an art investor can't go to a single source and find out exactly what an art investment is worth.

As a business, art investing can mean quite a return if the piece is held for long enough. Many investors new to the art buying industry have been attracted by the advertising of record art sales which have taken place in recent years. A large return isn't guaranteed, but it's certainly a possibility that's intriguing.

Besides giving some a very tidy return, the business of art investing isn't subject to market fluctuations like other investments. Buying art doesn't require as many fees and related costs that, say, buying stocks does. That is an added benefit for art buyers who are already seeing higher than average returns.

The biggest downside to art investing as a business is not making the wrong acquisition, but becoming subject to industry fraud. Having phony artwork and passed off as real has lost art buyers millions of dollars. Usually, the people passing off these fraudulent pieces are themselves frauds whose brokering credentials are questionable at best.

To prevent fraud and also ensure the value of a piece, authenticating artwork with documentation, or provenance, can be a great idea. An authorized appraiser can make sure the proper documentation is in order to determine the pieces true worth.

Most new art investments aren't made with all the pertinent information at hand. Art investing is a business and it's important to invest in that business aggressively. If it's possible to invest more money in an artist premiere pieces of art, then that's what should be done. Buying a piece that an investor likes as well as captures the interest of the industry is quite important.

Many critics of the business or art investing might contend that art is entirely too unrealistic as an investment strategy. They conclude that while stocks and other conventional investments bring in a steady income, artwork only becomes profitable if it can be resold. The profit resale value of art is never an exact science.

Acquiring art has quickly become a feasible part of a diversified portfolio. This is not only the case in America, but in countries worldwide. The Middle East and Far East have hosted investors who've completely bought into the idea of investing. As of late, the Austrailian art market has become more prominent as well. Many a multi-million and billionaire foreign business persons have invested steeply in Western art antiquities and newer creations. It makes sense that the business of art investing intrigues so many as the world economy broadens and traditional investing becomes less sure.

By Cj Boston

American Debt Credit Services provides free debt analysis’s to allow common Americans to see where they are and where they can be financially. American Debt Credit Services.

Article Source: http://EzineArticles.com/?expert=Cj_Boston

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How To Invest In Stocks

There are three popular ways for individual investors to invest in the stock market: buying stocks directly, mutual funds, and ETFs (exchange traded funds). Each of these options have their pluses and minuses.

Buying stocks:

The most simple and straightforward method to invest in stocks is to just buy them! All you need to do is sign up at a broker and buy whichever companies you decide are the best investments. The benefits of this method is you choose which companies you believe will perform best. Of course, the drawbacks here are that you may not have enough time to identify which stocks make the best investments. It is also sometimes hard to diversify your portfolio, since you likely will not have substantial knowledge on a variety of stocks from various sectors.

Mutual funds:

If you decide you want someone to do the investing for you, consider investing in mutual funds. When you put money into a mutual fund, you are pooling your money with other investors and allowing professionals to invest it for you. The advantage here is that you do not have to follow your investments yourself, since someone else is doing the work for you. Also, mutual funds tend to buy hundreds or even thousands of stocks, so even just buying one mutual fund can give you diversification. The drawback is that most mutual funds under perform the market (due to fees and asset bloats), so most of the time you are actually better off just randomly picking stocks yourself!

ETFs:

An ETF is like a mutual fund, except it passively tracks an index like the S&P 500. The advantages of the ETF are the same as the advantages of the S&P 500. Also, since ETFs just buy whatever stocks make up an index, they have lower fees than mutual funds. However, by its nature, an ETF will never beat the market since it just attempts to mirror the market. ETFs have become increasingly popular though since many investors have become disillusioned with mutual funds.

By Charles Johnson

Charles writes for a stock investment tips website as well as a website that helps investors find top performing mutual funds

Article Source: http://EzineArticles.com/?expert=Charles_Johnson

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Add Up Luxurious Lifestyle With Secured Loans

Those days have gone when arranging money was an uphill task. Deferring plans for the fulfillment of any requirement due to shortage of funds has no place in these days. Today UK market is packed with host of lenders offering you with lucrative financial support compatible with your current situation. So satiating your need doesn't require any delays.

If you are planning to add some flamboyancy in your lifestyle with opulent home-accessories, expensive spas and bathroom accessories, jewellery and fashion accessories and many more, then secured loans are the best way for financing your luxuries. For this you will have to pledge an asset, especially your home, to the lender for your borrowings. In the presence of an asset, lenders will offer you with fascinating benefits like APR at dirt-throw rate making your loan deal a cheap affair.

When you approach a lender, apparently, your best pick would be cheap loans. Its not necessary that if your friend or relative got a cheap package you too will get on the same terms. Generally, cheap secured loans vary in nature and from one person's individual circumstances to another. So don't get bemused on being offered different loan terms.

While procuring such a monetary backing to fulfill your personal requirements, equity available on your home is given more predilection. Your borrowings are decided according to the equity your house holds. For instance, if you have a mortgage on your home worth £80,000 and some other loan on your home amounting to £50,000, then equity that your home hold is £80,000 - £50,000 = £30,000. This implies that you can obtain money approximating this figure.

Usually lenders give money up to 80% of the equity value, but due to fierce competition you will also come across a few lenders that give up to 125% of LTV. So scour the market thoroughly while opting for secured loans. Many lenders have online facility also, so take loan quotes of different lenders online which will provide you with world of choices and save you time at the same time. So mark your own statement and live luxuriously!

By Erika Anaya

For more information about cheap secured loans, secured homeowner loans and bad credit secured loans Please visit our website.

Article Source: http://EzineArticles.com/?expert=Erika_Anaya

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A Secured Car Loan Can Buy You A Car Of Your Choice

Money can surely not buy happiness for you. But this fact cannot be denied that the accessories that can provide happiness to some can be bought using money. If you want a car for your and your kid’s happiness, then a secured car loan will just work right for you. The basic necessity of a car can be fulfilled with it.

A secured car loan, as the name suggests, requires some collateral to borrow the money for buying the car. Any asset of the borrower like house, stocks, bonds, real estate can be kept as collateral for the secured car loan. Usually the car which is being bought is pledged for the secured car loan.

Therefore at the time of purchase of the car, the title of the car is transferred to the name of the lender. However the borrower can use the car for his own personal use even during the time of the term. After the complete repayment has been made to the lender, the car is transferred back to the borrower’s name.

The term of repayment for a secured car loan is 5-7 years. This is so because after this long a term, the market value of a car starts to decrease. And if the lender wants to retrieve his money by selling off the car, he will not get the complete amount. Rate of interest for secured car loan is low as the borrower pledges his car as security. This will assure the borrower of the repayment of his money and thus he will give the money on low rate.

The borrower can research online in addition to the physical market so that a good number of loan offers can be reviewed for secured car loan. Out of all those offers the borrower can compare the pros and cons of every deal and make the most suitable choice.

Secured car loan is the best way to buy car, by paying a low interest rate. This interest rate is low due to attachment of collateral and there is no harm in making assets this way.

By Pamella Scott

Pamella Scott has been associated with Easy Finance4u. She writes about various financial topics. She understands the needs of good quality adviser.To find A Secured car loan, secured personal loans,secured debt consolidation loans,secured home improvement loans,secured home insurance loans visit http://www.easyfinance4u.com/

Article Source: http://EzineArticles.com/?expert=Pamella_Scott

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Personal Debt Consolidation Loan - Remove Debt Worries Easily

It has become very important nowadays to maintain a good financial record to facilitate transactions in the future. But whatever has been done cannot be changed. It can only be improved. To remove all unpaid debts pending on the borrower, a personal debt consolidation loan can be taken up.

A personal debt consolidation loan is available to all kinds of borrowers disregarding their credit history. It is a very good opportunity for bad credit borrowers instead, to take up a personal debt consolidation loan and repay their unpaid debts. This will help in improving their credit score as all installments are given due importance.

A personal debt consolidation loan can be taken up for an equal amount as the total unpaid debts of the borrower. This loan can be used to repay off all the unpaid debts of the borrower. This way the borrower will just have to repay only one installment every month and his entire burden is reduced.

The debts of the borrower are charged at a higher rate of interest. By taking up a personal debt consolidation loan at a lower rate of interest, the borrower can therefore save his money by cutting down on the interest rate charged by the lenders. Also, the monthly outflow of cash of the borrower is also reduced causing him less hassle.

Personal debt consolidation loan is available through many lenders online and offline who are ready to give money in two forms of secured and unsecured loans. For the former, collateral has to be pledged with the lender which allows a limit of £75000 to be borrowed. Through unsecured loans the range is upto £25000 and no collateral is required to be pledged. Term of repayment for personal debt consolidation loan is longer in case of secured loan option.

A personal debt consolidation loan helps the borrower in removing his unpaid debts easily and he can remove all his debt problems and save money as well.

By Alex Jonnes

Alex Jonnes is associated with Easy Debt Consolidations. To find Personal debt consolidation loan, debt consolidation loan bad credit, online debt consolidation loan, easy debt consolidations visit http://www.easy-debt-consolidations.co.uk/

Article Source: http://EzineArticles.com/?expert=Alex_Jonnes

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How to Grow Your Very Own Money Tree

Okay. So money doesn't really grow on trees. Unless you plant your own Mighty Money Tree, that is!

Imagine that only a few moments ago you planted a young sapling in your back yard. You gave it just enough water to ensure a good start. Not too much, not too little. You even propped it up with a stake. You'll continue to nurture it, feed it, water it.

And with each passing year, your tender young sapling will grow stronger. Taller. Healthy. As it ages, your tree can better defend itself from natural predators. Even harsh weather.

Growing your savings account is similar to growing your new tree. Given lots of tender care, your savings account will become your Mighty Money Tree. Use the following tips to ensure a great start. So, grab your shovel and let's get planting!

Prop Up Your New Savings Account

To build an account you can enjoy for a lifetime, prop it up with nutrients to help it grow.

a) Feed your account with bonuses. Deposit money saved through cancelled subscriptions. Don't forget those unexpected windfalls, either.

How about money owed and paid back to you? Be sure to include these amounts, even if they're small. Small is great -- and very do-able.

b) Nurture your savings weekly with money saved from using coupons.

Do you buy items on sale? Take that money you saved and use it to grow your account. Tuck small amounts into an envelope. Deposit weekly.

c) Shower your fund with birthday, anniversary or holiday gifts of money. Refunds, too! This is money you normally wouldn't have had (or already spent.)

Remember, out of sight, out of mind!

Fiercely Protect From Natural Enemies

Just as you might spray your tree to ward off insects or disease, you must protect your fledgling savings account. It's precious -- and a result of your patience.

a) Avoid spending too much time with others who make it seem 'natural' to go through money. They may not give it much thought because spending is a comfortable habit for them.

But you actually have a plan. And you have the big picture of how and when you'll spend. You will decide the where and why of spending your money. Make your spending thoughtful.

b) Pace yourself as you spend your weekly allotment of money. If you run on $35 per week (for example), that gives you five dollars per day.

Stay just under that five, and you'll always be a few dollars ahead. You'll also be less tempted to tap your savings.

c) Practice 'tough love' with chronic spenders who repeatedly borrow your money. Give yourself permission to state firmly that borrowing your money is 'not' an option. Remove the stakes that prop up others' spending.

Say yes to protecting and taking care of your money. It will be there to support you, your family, and your true needs.

Promote and Maintain Healthy Growth

Small amounts add up big time, so keep money coming into your account on a regular basis. Keep it growing!

a) Remember 'why' you set up your account. Know your balance at all times. Keep your eye on the bigger picture.

Will it help you pay for a gently used car, eliminating future car payments year after year? Is it your 'freedom from working for others' fund?

b) Begin with one great strategy, and use it to create a steady stream of money to feed your account. Will it be a direct deposit through payroll?

Will you fund it by using only dollar bills, and setting aside all change at the end of each day? If so, scoop up your change and deposit weekly.

c) Each month, find a new, creative way to put more money in your account. Then find another method and repeat for a month. Keep the top three or four methods which seem to work best for you. Toss the rest, because you want methods that work for you consistently.

Need a starting point? Why not begin with spending ten dollars less at the store each week? Tuck your ten bucks into your savings account. It's simple, and it won't leave you feeling deprived.

Lastly, feel the wonder of knowing that your money tree will continue to grow. Like a faithful friend, it will remain at your side. Your champion in good times, a comfort in the rough patches of life.

It has the power to draw your dream out of the darkness and into the light. How long have you had that private, special dream? Only you can know.

Now, what would 'you' do with your own Mighty Money Tree? Plant one today! Prop it up. Protect it. Watch it grow.

By Darlene Arechederra

Author of Rat Race Blues for Women, Darlene Arechederra shares simple strategies for living well on less and enjoying a debt-free lifestyle. Visit her today at http://www.RatRaceRemedies.com or http://www.AffordToStayHome.com

Article Source: http://EzineArticles.com/?expert=Darlene_Arechederra

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Worried About Retirement - Me Too

While I enjoy working (most the time), I like most look forward to a less regulated life with more travel, i.e. retirement. I want to of course do this living in a style I am accustomed to and still provide for my family as needed. So how much money is that going to take?

In many ways we are in troubled times. We are in a war that is in someways endless, whether we pull out of Iraq or not. The value of the dollar is sinking and has the potential for a long term swoon if not crash. Gold, a refuge for those that lose faith in the monetary systems recently hit $700. If you don’t believe the dollar is sinking, see how your money spends in Europe for example. Not so good, of course at least we are still liked in the rest of the world (not)! Meanwhile consumable expenses like gas and food on the whole are a heck of a lot more expensive. Housing is getting cheaper in some ways (not selling, foreclosures) unless you already own a home.

So how do you know how much money to save before you can retire? I know there are plenty of companies that will give you some formula for this but really what are they basing it on? Continued 5% interest annuities? Please! What the heck does that do if the dollar is worthless or if oil doubles or triples in the next couple of years. And don’t get me started on healthcare. There is a booming industry out there called ‘Medical Tourism’ that more Americans are getting familiar with. It used to be about plastic surgery but now it’s about getting heart bypasses and such, in foreign countries where the fees for the entire procedures are less then our insurance deductibles. Many of our parents got pensions and even retirement health benefits. These are rare today. As a baby-boomer can I really even count on social security providing benefits when I retire? Well all this sounds pretty bleak but that’s what I think about when I contemplate future retirement.

In reality I don't think anyone can predict what the cost of living will be 5 years from now, let alone 10 or 20 years. Providing you have enough money put away and invest well your probably ok. But that's a big if, unless you can rise above the many pitfalls that seem to be ahead of us. So, I think I am going to keep working for awhile and see what happens.

Author: Barry Trute

Published on: http://www.plumberhelper.com

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Learn How to Manage Your Spending

Most people have no idea about manage their money, So you probably know how much money you made, but you don't know how much money you spent. In fact, most of us spend 10% more per month than we make. Well why it so difficult to manage your spending?

Calculate your new worth

Make sure you are on the right track, your net worth should be increasing each year, even if it is just by a small amount. The exercise of calculating your net worth can be very valuable as well. People often discover accounts, investments, etc that they have forgotten about, or need to update.

Spend less than you make

If you spend more money than you bring it, you can't save money at all. Spending less than you make on consistent basis is the key that reaching financial fitness and financial stability. If you are overspeding your income each month, you can not increase your savings, make investment, reduce debt and so on. For a step-by-step process of how to make an effective spending plan, look in the book Money for Life. The very useful book walks you through the process and explain the reason behind each step, in a way that anyone can understand.

Reduce your debt

Use debt roll down principle to quickly reduce your debt. Follow the same procedure when the second the debt is paid off, you will not only reduce the number of years you will have payments, but you will also save thousands in interest if you follow this principle until you are completely debt free.

http://www.debtviews.com/2007/09/11/learn-how-to-manage-your-spending/

By Kaede Ri

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