Budgeting has been taught in so many levels and approached using different strategies by a lot people. This have led to numerous beliefs and ideologies on budgeting. But the idea is still the same, ensuring that the money we have works for us in the long run. It was once said that enjoying the fruits […]
Retirement and Income Replacement Ratio
Retirement brings mixed emotions to a lot of people. Some are dreading the day they have to retire fearing the worse. They do not know what to do with their time because they were employed for most of their life. That routine they have developed, practiced, improved and for some, perfected will now be a […]
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