Buying versus leasing a car is one of the important considerations in your life or in your business as it grows. Whether it’s a first vehicle or a fleet, there are pros and cons to both, so let’s get down to it. Buying a car Whether it’s a full payment or a down payment with …
A term deposit, a.k.a. time deposit, is ‘setting and forgetting’ an amount at your bank while earning a higher rate of interest than a savings account. Now, what if you decide to break a term deposit? Do you have to notice your bank? What happens when the deposit matures? Early withdrawal of your Term Deposit …
You worked hard, increased the bottom line, got praise from the boss, but your salary stays the same. Wait, what?! Although it can be nerve-racking, you should be prepared to ask your boss for a pay raise to improve your income. It gets frustrating when everyone around you seems to have leveled up, but you’re …
Things have changed drastically across most industries where the ‘gig economy’ has emerged. In a gig economy, more and more independent contractors are doing temporary and short assignments or simply ‘gigs’, such as food delivery or car journeys, rather than being employed permanently. Most people from the workforce are moving on from traditional work arrangements …
There is no better time to save money than now! There are tons of ways to get some cash back into your pocket, and you can even start at home. Here are some great money-saving tips you must try! Shopping list Create a shopping list before you go to the store to avoid stress. You …
Managing your finances is quite a challenge. If you’ve been thinking about your financial future, you’ve probably wondered where to begin and how to keep it up. It can be made easier with the help of a certified financial advisor. A good financial plan makes the most difference. Low-cost consultations are offered to help clients …
Based on a survey, 76% of couples said they have a joint bank account, and the rest keep their finances separate. Husbands and wives usually merge their money for shared responsibility of paying bills or savings goals. Along with it is combining the paychecks or other funds into a single bank account. Let’s weigh the …
Budgeting methods, such as envelope system and zero-based budget, can be incorporated in creating your perfect budget. Here’s how and then some. Setting up a budget is a prerequisite to a great financial plan. When done right, you’ll have the power to control your own money! “Control over your own money,” imagine that? As J.K. …
A balance transfer is moving an existing debt, such as credit card balances or car loans, from an account to another, and it is usually offered with lower interest rate. If your debt has gotten out of control or you’re committed to reform your spending habits, a balance transfer can be good for you. The …
With a budget, everything else flows. A spending plan is a quick way to achieve your financial goal, get out of debt, or take control of your money. UBOMI recommends a zero-based budget and here’s how you can use it. Strictly following a monthly budget is one of the better ways to utilise your income. …
@ Copyright 2022 – MoMa Technologies Pty Ltd trading as UBOMI
Copyright 2022 – MoMa Technologies Pty Ltd trading as UBOMI.
