TBG / Resources / Financial education
Concepts and tools to organize your finances, evaluate options and take your next step with confidence.
Finance with purpose
Know what comes in, what goes out and what can support your goals.
Record net income and separate fixed expenses, variable expenses and debt payments. Compare your plan with actual transactions each month. The 50/30/20 rule is a flexible starting point: adapt it to your responsibilities.
Track one month of spending and choose a category to adjust.
Turn an intention into an amount, a timeframe and a habit.
Define how much you need, when you need it and how much you can contribute regularly. Separate emergency money from goal savings. Return rates are assumptions, not guaranteed profits.
Try different contributions and terms in the savings calculator.
Understand loan costs and conditions.
Before borrowing, compare rates, terms, fees, insurance and total repayment. A lower payment may mean a longer term and more interest. Ask how early repayments are handled.
Compare the same principal across two different terms.
Time is part of your numbers too.
Compound interest applies to principal and accumulated interest. Its effect depends on the rate, frequency and time. When comparing products, check whether the advertised rate is nominal or effective.
See what changes when you extend the term without changing the principal.
A security habit can prevent a bigger problem.
Do not share passwords or verification codes. Access your bank through official channels and review transactions and alerts. If something is unfamiliar, contact your institution through a verified channel.
Enable transaction alerts and review authorized devices.
A clear view starts with organized records.
Track business income and expenses separately. Define how to record owner withdrawals and contributions. Review when money is collected and paid: sales do not always mean available cash.
Organize a record of expected receipts and payments for next month.
Clear concepts
Let’s discuss your priorities and your company’s financial organization.
