Importance of Personal Finance

I struggled if I want to start this category here, feeling it will get too cluttered up with too many topics going on at the same time. However, I came to the conclusion that it is important to share about this part of my life also, just as important as joy, thoughts, singing… Well, I do not intend to blog so much about it like the guys doing at My Money Blog or PF Blog, nor do I have the knowledge and experience as many other people already blogging about their finance for a long time but I have to start somewhere :P I intend to share whatever I find interesting and useful from stuffs I read, and here’s a start.

As intro…

At the age of 23, I realized how important it is these days to know how to manage our own finance. Thanks to encouragement from a family member, I have started to monitor, control, and learn more and more about the topic since around when I graduate from undergrad. My interest is definitely enhanced by my situation of having to afford school and living independently. Now closer to my graduation, with the haunt of student loan and car loan, and seeing the insecure retirement future from a normal corporate career and a financially struggling goverment, it is ever more important to take control, learn how to take care of my money, how to spend less of it, and make more of it. To do so, I am learning from other people blogging about it, from other online resources, and from books on personal finance and investment. Piggy needs financial freedom to have a good life :)

As a reminder to myself, my current goal is to rid myself of those pesty loans and to accumulate enough to buy a place called my own in recent future.

To start out with, here are two reward cards that I use frequently these days. Neither of them has annual fees:

  • Citi mtvU Platinum Select Visa Card for College StudentsThis is probably the best card for a college student. Earn 5 points from restaurants, bookstores (and guess what, Amazon is considered bookstore), record/rental stores, and theathers. This equates to 5% cash back if you get their $100 giftcards or even a higher % if you wait for promotions. It also earn points for paying on time each month and having good GPA twice a year .
  • Citi Dividend CardEarn 2% cash back at gas station, grocery, and pharmacy. Earn 1% on all other purchases.

For more details on the cards, click on the links. You can combine the mtvU card with a Citi checking and e-saving accounts that earns Thank You points for using services, like direct deposits, online bill pay, etc.

Originally posted 2006-10-30 22:56:35. Republished by Blog Post Promoter

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