financial advice

Emergency Fund or Debt First? Here’s the 2025 Rule of Thumb

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Choosing between building an emergency fund and paying off debt is one of the most common dilemmas in personal finance. In 2025, with rising living costs and increased financial uncertainty, mastering this balancing act is more crucial than ever. Whether you’re just starting your financial journey or looking to optimize your current strategy, this guide … Read more

How to Build Credit as an International Student: A Practical Guide

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Moving to a new country for studies is thrilling—but it comes with unique financial challenges, especially when it comes to building credit. For international students, a healthy credit profile isn’t just about borrowing—it unlocks doors to apartments, phone plans, and even job opportunities in many tier-1 countries. If you’re wondering how to establish credit from … Read more