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Buy Now, Pay Later: Popular Financing Tool Poses Hidden Risks for Young Shoppers
Once marketed as a convenient way to split payments, Buy Now, Pay Later (BNPL) services have exploded in popularity among young consumers. Yet regulators and experts warn the model could fuel debt, harm credit health, and demand stricter oversight.
Many Americans Struggle Without Adequate Emergency Savings
A recent survey shows that fewer than half of U.S. households have enough money set aside to cover at least three months of expenses, leaving millions financially exposed in case of job loss, medical bills, or unexpected crises.
Eight Legal Ways Self-Employed Workers Can Reduce Their Tax Bill
Being self-employed comes with tax responsibilities, but there are several legal strategies to minimize your tax liability while staying compliant with UK law.
Would You Delay Retirement to Help Your Children Through University?
A new UK study finds that one in three parents is willing to postpone retirement to support their children financially during university, often at significant cost to their own long-term savings.
Cash or Mortgage? How to Decide the Best Way to Buy a Home
Buying a property is one of life’s biggest financial decisions. Should you pay in full or rely on a mortgage? Each option has benefits and trade-offs depending on your age, stability, and risk appetite.
How Many People Actually Stick to a Budget? The Answer May Surprise You
While most people acknowledge the importance of budgeting, only a small fraction actively follow a structured plan. This article explores why, what research shows, and practical strategies to stay on track.
Inflation as a Hidden Enemy of Personal Finance: From 18 Lakh to 1.37 Crore
Inflation erodes the purchasing power of money over time, turning today’s manageable expenses into significant future costs. Financial experts stress the importance of smart investing and early planning to stay ahead.
How Artificial Intelligence Can Help Manage Personal Finances: Opportunities and Limitations
Artificial intelligence (AI) is becoming an important tool for managing personal finances. It can analyze spending, forecast budgets, and even assist in investing. However, limitations exist, including privacy concerns and algorithmic errors.
Digital Habits, Financial Independence: How Young Adults Manage Their Money
According to 2025 research, Australians aged 20–45 increasingly rely on mobile apps, online banking, and investment platforms to track their budgets and savings. Experts note rising financial literacy and independence in this age group.
Chinese Savers Shift Trillions from Bank Deposits to Insurance and Investment Products
A sudden shift among Chinese households is moving as much as 10 trillion yuan from low-yield bank deposits into insurer products and investments, as banks offer sub-1% returns. Insurers and investment firms gained 2.1 trillion yuan in new deposits in July, while bank deposits dropped by 1.1 trillion. The reform supports long-term investment, especially in an aging society.