Climate Finance

Today, millions of people across the globe are facing problems related to personal finance and are desperately seeking permanent solutions. If you're one of them or you simply want to maximize your earning capacity, then you have come to the right place.

We welcome you to our site. We are a group of professionals and experts entirely dedicated to helping people achieve financial freedom.  We are widely aware of how financial woes continue to plague our society, affecting one family after the other. Our task is to keep you debt-free and retirement-ready, and the best way to achieve these is through financial literacy.

Most people are accustomed to the traditional means of earning - employment, freelance work, business, and so on. This is great, but we are here to tell you that there many other ways of earning conveniently and exponentially which most people are unaware of or are afraid to try. With our guide, you will know which investment option best fits your financial need.

Let us start with the basic - stocks and bonds.

Depending on your personality as an investor, several investment vehicles are available for your choosing. Bonds are debt investments loaned to entities, usually corporations and governments, for a definite period at either a fixed or variable interest rate. Owners of bonds passively earn from the interest paid off by debtors.

Stocks, on the other hand, are shares of ownership in any given publicly-listed company that wishes to expand or fulfill other business pursuits. A stock represents your claim on the company's earnings and assets. As the company grows, your money grows, and again, this is a passive income for you. This is the beauty of trading. You let your money work for you, rather than you working to earn money.

At the beginning, the concept can be overwhelming and it is exactly for this reason that we exist. In fact, both bonds and stocks are traded in markets, which are commonly played by experts who are duly accredited and have gained a good standing. Nowadays, stock brokers have opened their doors for individual investors who can now invest in stocks at a minimal cost and within the comfort of their home.

We not only inform you about the basics of trading, but also caution you about the risks involved and recommend strategies. For one, we encourage you to diversify to minimize risks by investing in mutual funds. Never put all your eggs in one basket.

Financial health shouldn't be just your banker's responsibility. Take charge and ease your way towards financial freedom. We are here to help you mitigate risks and make wise investment decisions. We make complicated investment and trading concepts simple for you.

Good money habits mean the difference between being in debt and being able to live comfortably after retirement. Even if you are able to put aside some extra cash at the end of each month, not knowing how to manage your savings will prevent you from earning more money from them.

The habits listed below allow you a step-by-step and simple way to become financially wise.

1. Identify What Your Needs and Wants Are

Understanding where your money is going is the first step in controlling your finances. Impulse buying is a habit that will destroy your savings. Knowing what your needs and wants are will help you in budgeting. After you list down your bills and other needs, identify the amount you want to save. Your budget for your wants is the money that is left behind.

If you find yourself not being able to save anything, then it is time to review the details. Are there ways to reduce your bills, like switching to a cheaper phone plan? How much do you spend on getting coffee or eating out every day? Adjusting where you can will help you reduce your expenses.

2. Save Automatically

After you identify how much you want to save, make sure it is automatically deducted from your account soon after you receive your salary. It is important to keep it somewhere inaccessible before it gets spent. This habit will allow you to save consistently every month, so even if you set a little amount only, it will accumulate in the end.

3. Get a Retirement Plan

There are many offers on retirement plans out there, but you can look at which ones are sponsored by the company you work for. Not only does this lower your taxable income, but your company is also contributing as much as you do. This way, you are putting aside more money.

4. Try Investing

Regarding the money that you will not use for the next few years, investing is a good option. As this money earns interest, it gets added to your principal and you can slowly see your funds grow. There are many options out there and it is best to do your homework to choose a great plan.

You do not really need complicated steps to start building good money habits. With these 4 steps, you can already see yourself meeting your savings goals and building your little nest for the future.