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Personal Finance Community

Personal finance community for advice on budgeting, saving, investing, or making money. Share your experiences and learn from others to make informed decisions about your money.

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Abigael
Abigaelknowledgeable
Asked: August 24, 2023In:

I have seen many people who post on Twitter claiming that gambling is their source of income. That they invest in it and can make money just like any other investment. Well, I think they are just influencers trying to promote ...Read more

I have seen many people who post on Twitter claiming that gambling is their source of income. That they invest in it and can make money just like any other investment.

Well, I think they are just influencers trying to promote gambling sites. Have you ever benefited in gambling as an investment strategy?

Read less
gamblinginvestmentmoney
  1. Slaky12
    Slaky12 Beginner Cryptocurrency Engineering

    Actually gambling and investing are two very different things. Investing involves putting money into assets with the expectation of generating returns over time, while gambling typically involves risking money on uncertain outcomes with the hope of winning more money. While both involve risk, investRead more

    Actually gambling and investing are two very different things. Investing involves putting money into assets with the expectation of generating returns over time, while gambling typically involves risking money on uncertain outcomes with the hope of winning more money. While both involve risk, investing is generally based on analysis, research, and long-term strategies, while gambling is often more based on chance and luck. So, no, gambling is not considered a prudent investment strategy.

    See less
Abigael
Abigaelknowledgeable
Asked: September 12, 2023In:

I have read a lot about being financially healthy and I strive to be in such a state. That is why I would like to know what indicators to look for in order to say one is financially healthy.

I have read a lot about being financially healthy and I strive to be in such a state. That is why I would like to know what indicators to look for in order to say one is financially healthy.

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financehealthindicators
  1. Slaky12
    Slaky12 Beginner Cryptocurrency Engineering

    Financial health can be indicated by many factors sure like; *Savings and Investments: Regular savings and diversified investments can indicate financial stability. *Low Debt-to-Income Ratio: Having manageable debt in relation to income is a sign of financial health. *Emergency Fund: Having an emergRead more

    Financial health can be indicated by many factors sure like;
    *Savings and Investments: Regular savings and diversified investments can indicate financial stability.
    *Low Debt-to-Income Ratio: Having manageable debt in relation to income is a sign of financial health.
    *Emergency Fund: Having an emergency fund set aside for unexpected expenses shows preparedness.

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Abigael
Abigaelknowledgeable
Asked: August 25, 2023In:

Yes, I think it is important to teach children money management at a tender age. That is when they start knowing about money and can understand it when you teach them about. There are many age appropriate methods to teach children ...Read more

Yes, I think it is important to teach children money management at a tender age. That is when they start knowing about money and can understand it when you teach them about.

There are many age appropriate methods to teach children about money. Books, children videos and practical experiences can all help them have a great foundation in  financial management. And anything you teach a child lasts into their adulthood.

Do you think it is important to teach children money management?

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childrenmanagementmoney
  1. Slaky12
    Slaky12 Beginner Cryptocurrency Engineering

    Teaching children money management skills is crucial for their future financial well-being. It helps them understand the value of money, how to budget, save, and spend responsibly. These skills lay the foundation for making informed financial decisions as adults, delayed gratification, and decision-Read more

    Teaching children money management skills is crucial for their future financial well-being. It helps them understand the value of money, how to budget, save, and spend responsibly. These skills lay the foundation for making informed financial decisions as adults, delayed gratification, and decision-making. These skills are essential for navigating various aspects of life beyond finances, fostering independence and self-reliance

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Abigael
Poll
Abigaelknowledgeable
Asked: September 7, 2023In:

Some people take loans compulsively or impulsively. They have been doing it for a long time and cannot control their loan taking habits. It makes me wonder, can people get addicted to loan taking?

Some people take loans compulsively or impulsively. They have been doing it for a long time and cannot control their loan taking habits.

It makes me wonder, can people get addicted to loan taking?

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Poll Results

Please login to vote and see the results.

Participate in Poll, Choose Your Answer.

addictionloans
  1. Slaky12
    Slaky12 Beginner Cryptocurrency Engineering

    It depends People can develop habits of relying on loans as a quick fix for financial challenges without considering the long-term consequences. This behavior can become compulsive, similar to other addictive behaviors, as individuals may feel a temporary sense of relief or satisfaction when obtainiRead more

    It depends People can develop habits of relying on loans as a quick fix for financial challenges without considering the long-term consequences. This behavior can become compulsive, similar to other addictive behaviors, as individuals may feel a temporary sense of relief or satisfaction when obtaining a loan, even though it exacerbates their financial problems in the long run. It’s important for individuals to recognize this pattern and seek support, such as financial counseling, to address the underlying issues and develop healthier financial habits.

    See less
Andorlings
Andorlings
Asked: August 16, 2023In:

Personally I am not a verified online blogger but what I do know is that in any online activity that has to do with making money they should be a scam in which individuals engaging in such online activity to ...Read more

Personally I am not a verified online blogger but what I do know is that in any online activity that has to do with making money they should be a scam in which individuals engaging in such online activity to make money most definitely keep off or be aware of in order to exclude themselves so as to never become a victim to. Talking about online blogging scams, one of the most popular online blogging scams blogger should definitely stay away from is, false algorithm follower boosters. Typically, these are softwares that claim to boost followers of bloggers in their blog page at a profit. In as much as they are legit ones among them. Blogger should definitely keep off from the scams and fraudulent among them as well.

IIt it’s highly necessary that bloggers conduct their own research on all of these algorithms follower boosters, that claim to boost followers in their blog pages at a profit so as not to lose their hard-earned money. I would love to hear your opinion on this guy’s?

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bloggingfreelancing
  1. Slaky12
    Slaky12 Beginner Cryptocurrency Engineering

    Sure, there are several blogging scams to watch out for. Be wary of offers promising quick and easy money, especially if they require you to pay upfront fees or sign up for expensive courses. Also, be cautious of affiliate marketing schemes that promise high earnings with little effort. Always reseaRead more

    Sure, there are several blogging scams to watch out for. Be wary of offers promising quick and easy money, especially if they require you to pay upfront fees or sign up for expensive courses. Also, be cautious of affiliate marketing schemes that promise high earnings with little effort. Always research any opportunities thoroughly before committing.

    By staying vigilant and doing your research, you can avoid falling victim to these and other blogging scams.

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spencer
spencerAdviser
Asked: May 18, 2024In:

How can an employee use a side hustle Income to replace a full time job, most people work on their passion as a side hustle and it does produce some income, what are some ways to replace your income entirely ...Read more

How can an employee use a side hustle Income to replace a full time job, most people work on their passion as a side hustle and it does produce some income, what are some ways to replace your income entirely to what you love to do?

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businessincome tipsside income
  1. raaman
    raaman knowledgeable

    Replacing your day job with a side hustle requires careful planning. Therefore finding a side hustle idea that is feasible and profitable is the first step to undertake. Look out for an opportunity that matches your skills, interests and expertise. It is important to carry out a market research to aRead more

    Replacing your day job with a side hustle requires careful planning. Therefore finding a side hustle idea that is feasible and profitable is the first step to undertake. Look out for an opportunity that matches your skills, interests and expertise. It is important to carry out a market research to ascertain that there is a need for what you intend to sell in relation to your goods or services and the possibility of expanding it.

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Abigael
Abigaelknowledgeable
Asked: September 7, 2023In:

One of the best ways to improve your personal financial health is to spend wisely. That way, you will have money left to save or invest. I really desire to spend wisely but I sometimes get carried away by my ...Read more

One of the best ways to improve your personal financial health is to spend wisely. That way, you will have money left to save or invest.

I really desire to spend wisely but I sometimes get carried away by my own desires. There are things I crave or admire sometimes that are not really necessary. Later, I regret buying them.

What do you suggest for me to do to control such desires?

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controlspendingurges
  1. Slaky12
    Slaky12 Beginner Cryptocurrency Engineering

    Well, controlling urges to spend on unnecessary things can be challenging but setting a budget, identifying your priorities, and giving yourself time to think before making a purchase can help. Additionally, finding alternative activities or hobbies that don't involve spending money can redirect youRead more

    Well, controlling urges to spend on unnecessary things can be challenging but setting a budget, identifying your priorities, and giving yourself time to think before making a purchase can help. Additionally, finding alternative activities or hobbies that don’t involve spending money can redirect your focus. It’s also helpful to remind yourself of your financial goals and the long-term benefits of saving money.

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Abigael
Abigaelknowledgeable
Asked: September 12, 2023In:

Most people engage in luxurious and fun activities most of the time. The money they spend on it is mostly random and unplanned for. Well, I know it is important to budget for all your needs and wants, including fun. Do ...Read more

Most people engage in luxurious and fun activities most of the time. The money they spend on it is mostly random and unplanned for. Well, I know it is important to budget for all your needs and wants, including fun.

Do you budget for fun activities?

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budgetingfun activitiesmoney
  1. Slaky12
    Slaky12 Beginner Cryptocurrency Engineering

    Sure, Planning a budget for fun activities is a great way to ensure you have money set aside for things you enjoy. You can start by listing out all the activities you like to do for fun, whether it's dining out, going to the movies, traveling, or hobbies like painting or playing sports. Then, assignRead more

    Sure, Planning a budget for fun activities is a great way to ensure you have money set aside for things you enjoy. You can start by listing out all the activities you like to do for fun, whether it’s dining out, going to the movies, traveling, or hobbies like painting or playing sports. Then, assign a budget to each category based on how often you typically engage in those activities and how much they cost. Make sure to prioritize your spending based on what brings you the most joy and adjust your budget as needed to stay within your financial means. And don’t forget to leave some room for unexpected fun opportunities!

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spencer
spencerAdviser
Asked: May 8, 2024In:

Why is it hard to stick to a budget? Most people spend way out of their budgets, what are the tips to help curtail spending out of budget?

Why is it hard to stick to a budget? Most people spend way out of their budgets, what are the tips to help curtail spending out of budget?

Read less
budgetbudget habitsbudgeting tips
  1. Slaky12
    Slaky12 Beginner Cryptocurrency Engineering

    I think their are a several few why people might struggle to stick to their budgets. Sometimes it's due to unexpected expenses cropping up, other times it's because of impulse purchases or simply underestimating certain costs. Additionally, budgeting requires discipline and habit-building, which canRead more

    I think their are a several few why people might struggle to stick to their budgets. Sometimes it’s due to unexpected expenses cropping up, other times it’s because of impulse purchases or simply underestimating certain costs. Additionally, budgeting requires discipline and habit-building, which can be challenging for some.
    combination of better understanding one’s spending habits, practicing self-discipline, and finding a budgeting approach that is both realistic and flexible.

    See less
Alex Johnson
Alex Johnson
Asked: September 28, 2023In:

Please,  how can I Spend my money wisely and not exceed my budget while shopping? It’s very difficult for me to see things I want and not purchase them.

Please,  how can I Spend my money wisely and not exceed my budget while shopping?

It’s very difficult for me to see things I want and not purchase them.

Read less
budgetingmoney
  1. Slaky12
    Slaky12 Beginner Cryptocurrency Engineering

    Actually spending within your budget involves careful planning and discipline, you need to start by tracking your income and expenses to understand where your money is going. Then, create a budget that allocates funds for necessities like rent, utilities, groceries, transportation, and savings, whilRead more

    Actually spending within your budget involves careful planning and discipline, you need to start by tracking your income and expenses to understand where your money is going. Then, create a budget that allocates funds for necessities like rent, utilities, groceries, transportation, and savings, while also setting aside money for discretionary spending.

    See less
Mika
MikaExpert
Asked: April 29, 2024In:

Do online writers need digital marketing? Can you not earn as a writer without any skills in digital marketing? Can you earn better if you do digital marketing?

Do online writers need digital marketing? Can you not earn as a writer without any skills in digital marketing? Can you earn better if you do digital marketing?

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digital marketingmaking moneyonline writing
  1. Slaky12
    Slaky12 Beginner Cryptocurrency Engineering

    Yes, am sure learning digital marketing can certainly be beneficial for online writers. Understanding digital marketing concepts can help you promote your work more effectively, reach a wider audience, and potentially increase your income. Plus, knowing how to leverage digital marketing strategies cRead more

    Yes, am sure learning digital marketing can certainly be beneficial for online writers. Understanding digital marketing concepts can help you promote your work more effectively, reach a wider audience, and potentially increase your income. Plus, knowing how to leverage digital marketing strategies can also enhance your personal brand as a writer, adding digital marketing knowledge to your skill set can significantly enhance your success in the digital landscape.

    See less
Precious
Preciousknowledgeable
Asked: September 24, 2023In:

So I come across this ad’s online hyping of earning $15 in just answering survey online. Is it possible? I mean the amount is too high, what’s your idea please.

So I come across this ad’s online hyping of earning $15 in just answering survey online.

Is it possible? I mean the amount is too high, what’s your idea please.

Read less
answering surveyearning $5make money online
  1. Abigael
    Abigael knowledgeable Abigael

    Yes it is possible to make $15 a day in survey sites, but only for those who live in top tier countries. For those of us in developing countries, even reaching a dollar a day is really hard. When you do, you could stay another week or month before you are lucky to get another survey that pays. ThereRead more

    Yes it is possible to make $15 a day in survey sites, but only for those who live in top tier countries. For those of us in developing countries, even reaching a dollar a day is really hard. When you do, you could stay another week or month before you are lucky to get another survey that pays. Therefore, it is not an earning method we can depend on here. That is why most of us go for paid to post forums.

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Mika
MikaExpert
Asked: May 11, 2024In:

Paid to post is one of the easiest ways to make money online. What are the most popular PTP sites to make money in 2024?

Paid to post is one of the easiest ways to make money online. What are the most popular PTP sites to make money in 2024?

Read less
make moneymake money onlinepaid to post
  1. Abigael
    Abigael knowledgeable Abigael

    I have been on the paid to pose forum world for several years now and I have seen many forums come and go. Those which have stood the test of time include; forum coin, beer money forum, Trendri, index forum, Bizdustry(though it is not paying everyone currently) and Casino Forum. These forums have laRead more

    I have been on the paid to pose forum world for several years now and I have seen many forums come and go. Those which have stood the test of time include; forum coin, beer money forum, Trendri, index forum, Bizdustry(though it is not paying everyone currently) and Casino Forum. These forums have lasted for one to two years with Forum coin and Beer money forum being legends that have lasted a decade and a few years.

    See less
Mhizta Yan
Mhizta YanBeginner
Asked: August 20, 2023In:

Making money as a hawker might be difficult especially if you have a lot of competitor. Hawker is a person that  sells goods, products, or services, typically in public spaces like  streets, markets, or other communal areas. They can move to ...Read more

Making money as a hawker might be difficult especially if you have a lot of competitor.

Hawker is a person that  sells goods, products, or services, typically in public spaces like  streets, markets, or other communal areas. They can move to different locations to reach a broader customer base. How can someone make money as a hawker?

 

Read less
hawkermake moneymoney
  1. Abigael
    Abigael knowledgeable Abigael

    Being a hawker can be one of the hardest ways of making money. You may be forced to walk long distances and face harsh weather conditions daily. You also have to face so much competition when you live in an area that has so many hawkers. In this business, you need to choose what you sell and recogniRead more

    Being a hawker can be one of the hardest ways of making money. You may be forced to walk long distances and face harsh weather conditions daily. You also have to face so much competition when you live in an area that has so many hawkers. In this business, you need to choose what you sell and recognize your audience. Then do your best to sell as much as possible daily. This may require you to have really good negotiation, selling and customer relations skills.

    See less
Allison
Allisonknowledgeable
Asked: August 9, 2023In:

Making money online as a farmer is possible through various avenues such as selling produce on e-commerce platforms, offering online farming courses, blogging about farming tips, or creating and selling agricultural products. What does this requires? It requires creativity, marketing, and a ...Read more

Making money online as a farmer is possible through various avenues such as selling produce on e-commerce platforms, offering online farming courses, blogging about farming tips, or creating and selling agricultural products.

What does this requires?

It requires creativity, marketing, and a solid online presence to attract customers and generate income.

Read less
make money as a farmer
  1. Abigael
    Abigael knowledgeable Abigael

    A Farmer can make online through selling their produce there. They need to create an ecommerce website and social media accounts which act as his/her online stores. There are so many people who will be interested in busing what a farmer sells. They could also build a blog in the niche of farming. ItRead more

    A Farmer can make online through selling their produce there. They need to create an ecommerce website and social media accounts which act as his/her online stores. There are so many people who will be interested in busing what a farmer sells.

    They could also build a blog in the niche of farming. It will help guide other farmers on tips and tricks to succeed in farming. They can do pictures and videos which show what has worked for them. With good traffic, they can monetize their blog.

    See less

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