Use PlanOffers Net to learn more about a variety of personal finance topics. Its free to use. We even have book reviews on a number of personal finance books. The information our our website might help you to make better personal finance choices. Below are some of the topics that we cover:

Personal Finance is one of the most important topics. Not the most important topic, but one of them. To get by in the modern world, we need money. The reason that we need money, is not for its own sake, but rather to use it as a tool to pay for what we 'need'. There is a key difference between what we 'need' and what we 'want'. I remember hearing an ad on the radio a few years ago, and the company's slogan was 'we sell everything you want, and nothing you need'. They were selling expensive outdoor 'toys' for adults, such as quads and such, which for most people would be a 'want' and not a 'need'. (For some people it may be a need.) So that is just one example. The topic of 'personal finance' covers income, savings, spending, and investing.

Income. Most people will agree that they never seem to have enough 'income'. The key is to try work with the 'income' you have, using a 'budget', to ensure that your 'needs' are met. Once your needs are met, then you can consider other aspects of personal finance.

Savings may seem like an unlikely topic to cover, when most people are having a hard time trying to make ends meet. Savings are not meant to be a great sacrifice, forcing you to do without things you 'need' now, to prepare for a distant future time. Instead savings are meant to be part of an overall approach to personal finance that first covers your needs. Bank accounts are both a way to try to save some money, and in today's world, a necessary tool for being able to receive your income, manage your money, and make expenditures from.

Under the 'spending' category, we touch on some sub-topics on this website, including budgeting, personal finance books, personal finance software, car loans, mortgages, mobile phone plans, credit cards, insurance, and home internet. Later on this page we may briefly mention trying to always get the best deals on plans, and offers, and indeed any thing you need to buy. That said we hope to help you better learn about personal finance.

Investing. There is no shortage of people who want to give you advice about 'investing', sometimes for a 'commission'. The best people to get investing advice from, are perhaps the ones who do not stand to gain financially from what they tell you. The logic is that way they are more likely to give you objective advice, rather than what will earn them the highest commission. Perhaps seek investing advice from more than one source, to try to get better informed. Remember the old Latin saying 'buyer beware'. There is another saying, 'only invest what you can afford to loose'. Along the way, time and circumstances permitting you should try to save as much as you can on your taxes (legally), and do retirement planning, and remember that retirement planning is not just about money.