Quirkyjournals.com — Personal finance insights, money management basics & simplified financial education. Not financial advice.
Saving involves keeping money safe with low risk, while investing uses money to grow over time with higher risk. Decide based on your financial goals and risk tolerance. Prioritize saving for short-term needs first.
Saving vs. Investing: What’s the Difference and Which Should You Do First? Read More »
Mobile apps are transforming banking by meeting higher customer expectations for speed, design, and personalization, leading to a significant shift from traditional banking methods. Over 72% of US adults now use mobile banking apps, indicating a major industry shift. Banks face challenges to keep up with rapid digital transformation.
How Mobile Apps Are Disrupting Traditional Banking Forever Read More »
To calculate your net worth, subtract your total liabilities from your total assets. A positive net worth means assets exceed debts; a negative net worth means debts exceed assets.
How to Calculate Your Net Worth Easily (With Formula) Read More »
By age 30, aim for net worth of about your average salary; by 40, aim for two to three times your annual salary; by 50, aim for five times your annual salary.
Net Worth by Age: Financial Milestones for 30, 40, and 50 Read More »
Comparison websites help you find the best loan and credit card deals by comparing interest rates and terms, saving you money and time. They provide transparent information to make informed financial decisions. Use them to avoid higher rates and fees.
How Comparison Websites Can Help You Save on Loans and Credit Cards Read More »
AI and blockchain are transforming finance by enhancing efficiency, security, and personalization in financial apps and services. Fintech is evolving with AI-driven insights and blockchain’s transparency. The future of decentralized finance is being shaped by AI and blockchain integration.
The Future of Finance: Apps Integrating AI, Blockchain, and Payments Read More »
Mint, Digit, and Meniga help save money by automating savings and tracking spending effortlessly. These apps use smart algorithms to manage finances without constant oversight.
FinTech Apps That Help You Save Money Without Thinking About It Read More »
Robo-advisors automate investment management using algorithms, offering lower fees but less personalized advice compared to human advisors. They are suitable for those seeking simplicity and cost-efficiency. Consider your investment goals and comfort with technology when deciding.
Robo-Advisors in App Form: Is Automated Investing Worth It? Read More »
Hey there! If you’re anything like me, your smartphone is basically your personal financial command center. It’s wild to think how far we’ve come, right? Digital payment methods have completely revolutionized the way we handle our money, making transactions faster and, in many ways, simpler. Seriously, global digital payment users are projected to hit an
Digital Wallets vs Banking Apps: Which One Should You Trust? Read More »
AI-powered budgeting apps automate expense tracking, suggest smarter spending habits, and help save money. They analyze transactions to identify savings opportunities. Popular apps include Rocket Money and Cleo.
How AI-Powered Budgeting Apps Are Changing Money Management Read More »
