Tag Archives: income

Personal Budget: Let’s build our own.

Personal Budget

Budgets are important! Companies live and die by budget management, why shouldn’t you? Let us take a few minutes to detail how to elaborate your own personal budget. As a reminder, a Personal Budget is a document where we quantify the incomes and expenses that we expect to have in a period of time.

TAX – My Biggest Financial enemy

tax, effeciency,

This post will come off as a bit of a rant. I want to share my point of view on one of my most hated financial enemies. To begin, when I refer to tax, my buddy Ben Franklin says it best: “In this world nothing can be said to be certain, except death and taxes.” He couldn’t be more right! Taxes grind my gears. I mean ALL forms of tax. Income, property, land transfer, welcome, airport, sales, Air conditioning, excise, lunch money tax etc!

Sound Advice For Maintaining Control Of Personal Finances

If you find yourself in a mountain of debt, it can seem like you will never be able to dig yourself out. Start creating strict budgets and shopping lists that will help you stay on track with your income. Read this article for more tips on managing your personal finances.

Financing real estate is not the easiest task. The lender considers several factors. One of these factors is the debt-to-income ratio, which is the percentage of your gross monthly income that you spend on paying your debts. This includes everything from housing to car payments. It is very important not to make larger purchases before buying a home because that significantly ruins the debt-to-income ratio.