joymali (Street Articles Author)
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Joy Mali is an active finance blogger who is fond of sharing interesting finance management tips to encourage people to manage their personal finances. More specifically, she advocates that people should check credit reports and scores regularly.

Tips to Save Money In Summer
Most people think that the winter season is the only time they spend a lot to keep themselves warm. However, they don’t realize that the summer season makes them spend the same amount. Here are simple and easy ways to save money during the summer. 1. Start your own garden.…
By:  in  Finance  >  Personal Finance   Dec 19, 2013  
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How Could the Credit Crunch Affect You?
While you might think of banks, businesses, and government entities when you hear the words “credit crunch,” these times of economic turmoil and uncertainty can affect you, too. Some economic sectors are affected more than others during these times, and some industries and businesses suffer more, as well. However, if…
By:  in  Finance  >  Credit Tips   Dec 11, 2013  
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What Happens If You Declare Bankruptcy?
If you are planning on declaring bankruptcy in order to get rid of all the debts you have accumulated, you are most likely wondering what the consequences of declaring bankruptcy are. Declaring bankruptcy necessitates an informative decision as it is a major financial move that could seriously affect various aspects…
By:  in  Finance  >  Personal Finance   Dec 03, 2013  
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Save Realistically And Build Financial Confidence
How financially comfortable would you be if something tragic were to happen? If lose your job tomorrow, are you financially prepared to survive until you can find another? What would happen if you were in an auto accident, needed unexpected home repairs, or any of a hundred other misfortunes that…
By:  in  Finance  >  Personal Finance   Nov 27, 2013  
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What You Need to Know Before Applying for Mortgage Refinancing
If you’re happy with your mortgage and feel no pressure from the monthly payments you make, then you have no worries. But if you’re thinking that you might be able to save some money by refinancing under a lower interest rate or you simply need to lower your monthly payments,…
By:  in  Finance  >  Personal Finance   Nov 21, 2013  
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