At some point in our lives, most of us borrow a bit of extra cash when we need to. And the credit market offers various options for borrowing some extra money when necessary.

Some of the most common forms of consumer credit include:

The internet becomes more and more important in every area of life. People read the news online, communicate via email and chat rooms and even do their shopping via the virtual space. Many professionals have discovered the internet as a new platform to offer their products and services, and new ideas keep emerging regularly.

Finding out you're pregnant can be one of the happiest moments of your life; but the nine months that follow can be some of the busiest of your life!

You'll probably spend a great deal of that time preparing for the birth of your child - buying new clothes, stocking up on baby supplies, etc.

But what happens if you fall into debt during pregnancy?

Money does seem to be at the centre of life, how you earn it and how you spend it. At this point in my life I wonder why we are not taught more about how to look after money. But on the other hand experience has shown me how much money is made from a general lack of understanding of finances.

Saving up for the financial future of your child seems like a sensible thing to do. University fees and deposit requirements for first time buyers all mount up and the last thing any parent wants is to see their children in debt before they've really got ahead in life, so any savings no matter how small will help to give your children a more secure future.

As a Mum it is important always to have a Plan B (and often a Plan C and D as well!).  From the tricky early days of leaving the house with your newborn baby only having to return unexpectedly because you haven’t packed enough changes of clothes, nappies or wipes; to when they’re older and you have to think of endless indoor activities because of the incessant rain, the importance of planning for every eventuality becomes the norm.

In the perfect world it would be enough to be healthy and happy. Unfortunately the world is not perfect and we also need money to survive. Making money means either a paid job or making money from self-employment. Working takes a large part of the day:

When starting a business, you need to make sure you have all the bases covered. It’s crucial that you develop a detailed business plan when in those crucial early stages, not only will it keep your goals clear, but it’s what will bring investors to your door.

We have all seen those pictures that profess to be caricatures of the working mum. She runs her own business, manages a household, takes the kids to school, helps with the homework and then still has time to cook dinner, make the packed lunches and bath the hordes all before bed time.

Money may not be able to buy you love, but it can definitely tear it apart! If you’re worried about money issues in your relationship, have a read of the following advice and keep your love life financially healthy.

Photo courtesy of 401kcalculator.org