Without doubt, since the world’s first credit card, issued by Diners Club, credit cards have become an integral part of our lives. Some people swear to have only one credit card, whereas others are committed to having different credit cards for different purposes and needs. Nevertheless, using credit cards unwisely can potentially lead to great money losses, increasing debt, reduced credit rating, up to complete insolvency.
Credit cards exist with many different features and terms and conditions, but they have one thing in common: they will usually cost money in one …

It is not that I don’t like marketing; on the contrary, I studied marketing myself, and I believe it is a great tool for presenting new and innovative products to the crowd.  But the principles of marketing go much further than simply informing the crowd of a product. One of the goals of marketing campaigns is to motivate people to buy the product, to compete with the competition, and basically to get the consumer wanting the product badly.
But we have to be honest to ourselves: how can a marketeer, or …

Being in debt has become quite normal in today’s world: people buy real estate and take a mortgage, a loan is taken in order to buy a car, a television or the newest Playstation is quickly bought with the credit card, and this month’s phone bill seemed to bit slightly higher than usual. Actually, debt does not have to be all that bad… if it planned and under control.

I wanted to write this short post as a reaction to a phenomenon I saw yesterday at a discount store: hundreds of people were running around in a discount store, which sold many items at extremely low prices. People were virtually falling over each other, just in order to get the cheapest item available. I got curious, and went in.

The fashion industry is a very fast-paced environment, continuously searching for new trends and endeavouring to anticipate what will, or should, be ‘in’ next season. Usually designers, manufacturers and retail are already looking at the next season before this season is over.