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Jerry Leung's Articles in Personal Finance

  • How Do You Shop For Your Personal Loan
    Sometime you may need some urgent money and to this end you may need to shop for a personal loan. However, most people do not really know how to shop for such a loan. In fact, you need to choose the loan wisely otherwise it can render a lot of problems to you. Even if it does not pose any problem to you, paying more interest than you should be paying is not something good at the end of the day.
  • Plan Ahead Before You Purchase
    In order to live within your own personal budget, it is very important for you to plan ahead before you purchase. No matter you are just trying to buy a can of coke or you want to buy a home, you have to plan carefully before you purchase. Otherwise you may just lose everything in the case of buying a home.
  • You Should Spend Your Money Healthily
    Everyone knows that we need to keep our body health. In fact, we should also keep our financial status healthy. This is very important otherwise you will be in financial trouble when you retire.
  • Do You Need To Learn The Ways To Save Money?
    We have to learn to be a savvy shopper. In fact, in most cases we are just wasting our money when we shop. You will sometimes pay $100 for any item which you can buy it at $70 in another shop. You are wasting $30 in this case. You should learn various ways to save money if you do not want to waste it.
  • Pay Off Your Debts When You Are Still Young
    As most experts will tell you, you will need to pay off your debts as soon as possible. Yes, it is very true that you should try to do so if you are in debts now. In fact, you should try to do it when you are still young. It will really be extremely problematic if you are still in debt when you retire.
  • Planning For Your Future And Wealth
    It is very important for us to plan for our future. Do you have any retirement plan? If not, you should try to plan it ahead before it is too late.
  • You Should Learn These Tips of Saving Money
    Most people will just spend all they earn every month. In fact, it is not really a financially healthy lifestyle. You have to save some money so that you will have some cash in some urgent events. Even if there is no urgent event, you will still need to save some money so that you do not need to worry about your life after retirement.
  • Passive Income - How Can You Have It?
    One of the ways to achieve the status of financial freedom is to create streams of passive income. Passive income is a kind of income that you do not need to spend a lot of time in order to create it. So the question here is: How can you create these streams of passive income.
  • Learn To Save More Money
    You may think that you have been using too much money. To this end you may want to save more money. In fact, you need to have the determination if you really want to do so. You cannot just say you want to save more money. You have to work! You have to work hard to learn various ways to save more money.
  • Financial Independence: Is It Something Achievable?
    Everyone will admit that money is something very important in our life. We need money to purchase. And our living standard will become very low if do not have much money. One of the goals a lot of people who want to attain is to become financially independent. However, it this status really achievable.
  • Manage And Control Your Money
    It is a common dream of most of us to have financial freedom when we retire. Yes it is very important for us to attain this status before we retire. Your life will just finish if you are still worrying about money when you retire. To this end you will need to learn to manage and control your money when you still young.
  • Save Money On Your Meals
    We need to have three meals a day. It seems that there are not much ways for you to save money on your meals. However, this is not quite true. Your spending on your meals can be very flexible and there are a lot of ways for you to save money on them.
  • Save Money When Eating Out
    Dining out can be something very expensive. However, there are still ways for you to save money when eating out. Here are some tips for you.
  • Be Smart When You Purchase
    We probably purchase something everyday. Today you may need to buy two bottles of milk and on the next day you may need to buy some bread for your breakfast. However, what you have to understand here is that you should purchase smartly so that you will be able to save some money.
  • Can An Employee Have Financial Freedom?
    Most people would like to attain the status of financial freedom. However, not many people can actually do it. There are also people believing that it is not possible for an employee to attain this status. In fact, it is not totally true.
  • Learn To Use Electricity Smartly
    Your electricity bill can cost you quite a large amount of money. Even if you are making a lot of money and the electricity bill does not mean much for you financially. You are still advised to use electricity smartly. On one hand you can save money, and on the other hand you will be able help to save the environment by consuming less energy.
  • Your Emotions Will Affect The Amount Of Money You Spend!
    It is always a good idea to have your own financial planning. You need to have your personal budget. And it is important for you to stick to your own budget. In order to do so, you need to control your spending. However, one thing you may not know is that your emotions will affect the amount of money you spend.
  • Pay Yourself And Build Your Wealth
    In order to build your wealth, you will need to learn to pay yourself. In fact, you need to pay yourself once you get your check every month. If you cannot really do so, you will find it very difficult for you to build your wealth.
  • Ways To Save Money On Your Electricity Bills
    You may spend a lot of money on your electricity consumption. As a result, you may want to save some money on your electricity bills. In fact, there are various ways to save money on your electricity bill. Here are some of the ways.
  • You Should Start Planning for Your Future!
    You may know that you need to build your wealth as soon as possible. If you are currently in debt, you may also understand that you need to pay off the debts as quickly as you can. However, most of us will just know and understand all of these. We never put them into action. In fact, there is no way to build your wealth if you do not really work on it.
  • How Can You Have More Money?
    I bet everyone will want to make more money. Yes we can have a better life if we can have more money. This is why all of us would like to earn more. However, you will not be able to have more money by just saying that you want more money. You need to have a plan so that you can achieve this goal.
  • Personal Loan - Secured Vs. Unsecured
    When a loan is considered, there is usually two types. The first type is secured loan while the second type is unsecured loan. You may have heard about these two terms before. However, do you know the difference between these two types of loans?
  • Save Money: Some Easy Methods
    Everyone knows it it important to spend less than we earn. And it is also important for us to save money. Of course you may wonder how you can save more money. And here are some tips for you.
  • Ways To Lower Your Expenses
    You may have read a lot of advices and articles on how you can spend less money. Most of them will tell you to consider debt consolidation if you are in debt. And you should also try to pay of the debts as soon as possible. However, if you think the above does not really apply to your case. The following advices will certainly be useful to you.
  • Basic Steps To Manage Your Money
    You will probably want to build your wealth steadily. As a matter of fact, you need to learn to manage your money if you really want to build your wealth. To this end you may wonder how you should manage your money should that your wealth can be built gradually. Here are some tips for you.
  • Wealth Building And Money Saving
    You will need to save more money if you would like to build your wealth. However, it may be difficult for people to do so nowadays. Many people will just spend all the money they earn every month. And this will make you unable to build your wealth. So what should you do in order to build your wealth?
  • High Risk Personal Loan - What Is It?
    We will need to think of seeking for a loan at some point of our life. However, if you are of bad credit rating, you will find that it is more difficult for you to get a loan. It is also true when you are seeking for a personal loan.
  • Passive Income: How Can You Get It?
    One of the ways to build your wealth is to create multiple streams of passive income. However, you may wonder how you can create passive income. In fact, there are tons of ways to do so. This article will discuss some of the ways to create passive income.
  • Money Saving Is All About Recording
    Do you want to save more money? I bet you would like to do so. In fact, it is not difficult to save money if you know the way to do so. The main key of saving more money is to record!
  • Personal Budget: Is it Difficult to Set?
    In the process of wealth building, it is very crucial to set your personal budget. Without the budget, you will find it very hard to save money of build your wealth. Yet you may find it difficult to set your budget since you do not know how you should start. In fact, you have to do it step by step and the followings are some tips for you to set your personal budget.
  • Personal Loan - How Can You Get The Best Deal?
    Sometimes you may need to seek for a personal loan. In fact, you will need the loan when there are some urgent events. However, do you know who you can get the best deal when you are choosing your personal loan?
  • Prepare Yourself And Attain A Better Financial Status
    Most people would like to be financially independent. However, most of them do not know how they can do it. In fact, if you can prepare yourself, you will be able to improve your financial status step by step. And eventually the dream of being financially independent will come true.
  • How Can You Get Bad Credit Auto Loan
    As you may know, your credit rating is very important when you are seeking for a loan. The lenders or the loan companies will take your credit rating into consideration when they are making decisions on the interest rate of the loan.
  • Will You Consider A Private Student Loan?
    As you may know, studying in the college is never inexpensive. You have to settle the expenses for buying books and the college fee. You will also need money to cover your everyday expenses.
  • Consolidation Of Your Student Loan
    Most students will get a student loan when they are studying. However, you will have to start repay when you begin to work in society. And you may want to reduce the loan or interest so that you can save more money for the rest of your life. To this end you may consider consolidating your student loan.
  • Can You Become A Wealthy Person?
    Do you want to be a wealthy person? I an sure you want to be. However, do you know how you can become one? Yes, this may probably be the most challenging question.
  • Will You Consider Online Auto Loan?
    Most people will need to get an auto loan when they decide to buy a new car. In fact, there are lots of different places you can get your auto loan. You may even get the loan online.
  • Student Loans Vs Credit Cards
    When you are in need of money to cover your expenses in college. You basically have a few options. You will not need to worry much if you have the cash to pay of. On the contrary, if you do not have the cash, you may consider either getting a student loan or paying by your credit card.
  • Start To Find Financial Freedom Today!
    It is the dream of many people to attain the status of financial freedom. However, it will only be a dream if you do not find ways to achieve this status. So, how you can become financially free?
  • The Advantages Of Student Loans
    There are a lot of expenses associated with your college. As a result, a student loan can really help. You will not need to worry about the source of fund when you get the loan approved. Besides, there are also other advantages for getting a student loan.
  • Tips For Sticking To Your Personal Budget
    We all know that we should have a personal budget. And we also know that we need to stick to it otherwise we may have financial problems. However, the fact is that it is very difficult for us to really stick to the budget we have created.
  • Tips On Searching For An Auto Loan
    Are you now searching for an auto loan? Do you feel a bit confused because you do not know how you can choose the loan? If the answers of the above two questions are all YES, this article is certainly for you.
  • Auto Loan - Tips To Get The Best Deal
    You have finally decided to buy a new car. For most people, it will be quite difficult to purchase a vehicle without seeking for a auto loan. However, there are just too many possibilities and options when your auto loan is concerned. And You will probably want to find the best deal for the loan.
  • Personal Financial Software - Will You Use It?
    We are accustomed to use our computers nowadays. We will use the computer to help us to store all the informations and details than we used to write in a note book. Without any surprise, you can also use your computer to organize your personal finance.
  • Healthy Financial Status - How Can You Get It?
    A healthy financial status means that one is debt free, and at them same time one can save some money each month. Of course one should also reserve some money for investment every month. However, do you know how you can attain this status?
  • Five Tips To Saving Money On Your Utility Bills
    One of our major monthly expenses is certainly the utility bills. Yes we pay a lot for electricity, water and so on. As a result, you will have the chance to save a lot of money if you can save money on the utility bills.
  • Expenses on Education - Money Saving Tips
    It is quite impossible for college students to stay away from the loans. However, a student should try to find ways to borrow less so that they can have an easier life after they leave school.
  • Eliminate Your Debt Burden Easily
    Most people nowadays are in debt. It is important to find ways to eliminate the debts.
  • Building Your Personal Finance Checklist
    Most experts will advise people to understand his / her own financial situations in order to have a better financial planning. It is even more important if you are in debt. You need to understand your situation thoroughly so that you can plan how you can reply all the debts. As a matter of fact, it is always to good idea to have a debt free life!
  • Bad Credit - How Do You Repair It
    A lot of people have the problem of having bad credit nowadays. If you are one of these people, you will probably want to repair it. It is not an easy task! Yet there are always ways to repair your credit if you are determined to do so. Below are some of the things you can do in order to improve your credit score.
  • Are You Keen on Saving Money?
    There are people who have never thought of money saving ideas. However, the truth is that we may sometimes waste our hard earned money if we do not take any measure to save money.
  • What Should You Consider When Choosing Bank Services?
    You will certainly know that there are lots of banks out there. And each bank will provide different services. As a result, you may find it very hard to make your selection when consider the services of the banks. The followings are some of the tips for you to make your decision.
  • What Can You Do if Your Credit Card Application is Turned Down?
    You may want to apply for a credit card which is of low interest rate. As a result you will properly apply for it when you see promotions on such attractive offers. However, you may eventually find out that your application is turned down. You may be a bit sad when you know that the application is refused.
  • Strategies to Reduce Credit Card Debts
    Nowadays, it is very easy for people to be in debt due to the popularity of credit cards. In the past it was a lot more difficult for you to have credit card debt since it was not easy to get one. Since is so easy to purchase with the cards and you do not really need to have cash in your bank account, you can be easily in debt if you do not control it well.
  • Try To Understand Your Financial Situation!
    When you are reading the newspaper, you may just skip the section of finance. In fact you may think that finance is not something related to your. Yes if you are not actively involved in the financial market you do not need to bother about most of the things about finance. However, there are still something that you should know about. They will actually affect your personal financial situation!
  • What Should You Do If You Only Have A Low Income?
    You may find that difficult to plan for your budget if you have a low income. There are some ways to stretch your budget so that it will be easier to live with the low income. There following are the tips you may want to know.
  • How Can You Get Instant Cash?
    Sometimes we will need some urgent cash. For example, we may need it if we see a sudden investment opportunity. You may also need it in case of emergency. In fact, there are various ways to get instant cash almost in an hour or so.
  • All You Need To Know About Debt Consolidation
    Are you in debt? You may have debts from 5 credit cards. And may even have some personal loans. Do you have a feeling that you cannot afford the minimum payment every month? You may think of debt consolidation in this case.
  • Money Saving Tips In The Supermarket
    You may find that you have been spending too much in the supermarket. It will be a good idea if you can save money while shopping in the supermarket. In fact, there are ways to help you to avoid spending too much. The followings are some tips for you.
  • Reduce Your Debt As Soon As Possible
    Some people do not think it is vital to reduce their debts. However, they will probably realize that it is important when they find that they spend too much on repaying the debts. It is in fact a bit too late when they realize they have to reduce their debts. As a result, it is better to do something before it is too late. The followings are some tips for you to reduce your debts.
  • Save More Money - How Can You Do That?
    Everyone would like to save more money every month. However, the fact is that they may find that they spend more that they expect and eventually they cannot save even a buck. What will be even worse is that one spends more than he / she can earn. And this can lead to serious problem. He / she will be in debt!
  • How Can You Improve Your Financial Situation?
    You may want to find ways to improve your financial situation. However, you may also find that it is not easy to do that. In fact, you will find it a lot easier if you can do it step by step. And the followings are the steps you need to that in order to do so.
  • How To Get A Loan If You Have A Bad Credit
    Most people will probably need to seek for a loan some days. It will be quite impossible to have a person who never needs a loan in his / her life. You may think that it will be quite a difficult situation if you have a bad credit.
  • How Do You Plan Your Personal Budget?
    It is very important to plan your personal budget if you want to build your wealth. In fact, you will still need to have a personal budget even if you do not have any financial goal. You need a budget such that you will not spend all your money before the end of each month.
  • Tips To Plan Your Personal Budget
    Have you even encountered this situation? You get the salary and then you start spending. You would like to buy a new watch, a new shirt and on. However, at the middle of the month, you will probably find that you are in short of money.
  • How Can You Spend Less and Save More?
    One of the things you need to do in building your personal wealth is to spend less money. In fact, you have to be a smart shopper in order to save more money. However, most people do not really know how to shop smartly. The followings are some tips to become a smart shopper.
  • Do Not Put Yourself In Debt
    You will be in debt if you spend more than what you can earn. However, many people are just so stupid to do this. You will just make the lender become rich if you try to get a loan. However, you should try your best to make yourself to have financial independence but not to help the lender to achieve financial freedom.
  • Be Careful of Identity Theft
    There are nearly a thousand victims of identity theft every hour. This large number is mainly due to the extensive use of online banking. As a result, you should really be careful if you are a person who constantly uses financial services on the internet.
  • Be Careful When You Get A Convenience Check
    You may have received convenience checks from your credit card issuer. You may want to buy something with the amount stated on the check. You may want to buy a new plasma TV or even a new H-Fi system. However, you should be very careful when you are trying to make the purchase with it.
  • How Can You Save More Money?
    Most of us have the habit of saving some money. It is one of the important measures in order to building your wealth. However, you may find that it is really difficult to save money! In fact, there are some ways to maximize the amount of money that can be saved.
  • How Can You Cut Down Your Credit Card Debt?
    A lot of people are paying about an interest of $1,000 every year for their credit cards. This is really a huge amount. In fact, the interests of credit cards are usually quite high. As a result, it will be better if you can cut down your credit card debt.

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