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6 Advantages of using Debit Cards

A debit card is a useful financial tool that enables us to spend our money wisely and productively. The debit card is linked to your savings or checking account. Every single penny you spend using the debit card comes directly from your bank account. We have identified six significant advantages of using a debit card.

1.       Zero Debt

2.       No Fees

3.       Easy to get

4.       Ability to perform online transactions

5.       Safer than cash and cheque

6.       Easy to budget.

Check out our detailed article on six significant advantages of using a debit card. Click on the below link for more details.

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How to manage your salary

Managing your monthly paycheck is an essential financial expect of your life. Effective management of your monthly salary is required for you to have a smooth lifestyle. People who are not planning their spending pattern ends up getting into debt.

 There are two main steps in managing your salary. The first step is to prepare the budget. In this step, you need to consider all your income sources and all your expenses that you hope to incur in that particular month. Once the budget is set, you need to monitor the progress regularly. You need to take necessary action if you are having a variance between the budget and your actual level.

 Click on the below link for more details on how to manage your salary

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11 Key [Financial Ratios] for Stock Market Analysis | Stock Market Investment for Beginners

Financial Ratios are widely used by Investors, Analysts, and Managers to evaluate the profitability, liquidity, solvency and valuation of a business organisation. The investors who have selected the fundamental analysis strategy use these financial ratios to assess the company’s performance before investing their money. This article mainly focuses on the following 11 key financial ratios for stock market analysis.

Price-to-Earnings Ratio (P/E Ratio)

PEG Ratio

Dividend Yield

Dividend Payout Ratio

Return on Assets (ROA)

Return on Equity (ROE)

Profit Margin

Current Ratio

Quick Ratio

Debt to Equity Ratio

Interest Coverage Ratio

Read More : Full details about these 11 functions

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How to plan for your finances for 2020

2019 is almost over. Before entering 2020, we need to prepare our finances for the new year. You need to consider all your milestones for the year 2020 in planning your finances. This article is a guide on How to plan your finances for 2020. In this guide, we are recommending five steps and one sub-step that you need to follow to plan your finances for 2020. In addition to the steps, we are recommending you six goals that you can consider for 2020. Let's look at the five steps and the one sub-step on planning your finance for 2020. • Step 1 – Face the damage • Step 2 – Make a lifetime Goals list • Step 3 – Prioritise your list • Step 4 – Pick 1 – 2 Goals from your list to focus on • Step 5 – Make a game plan

• Sub-Step 1 – Figure out any knowledge gap and take necessary actions to overcome

Click on the below link to find out more details about the steps and goals.

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