Smart money: personal finance

Smart personal finance sites for the middle class

PUBLISHED : Monday, 05 November, 2012, 12:00am
UPDATED : Monday, 05 November, 2012, 3:25am

Kiplinger offers practical advice for average families in its family finance section. The site helps find savings and value, exploring and listing the best values in everything from private colleges to green cars. A "Money Smart Kids" section teaches children how to save and spend.

Local investors with a link to Britain will find this site practical in Hong Kong, too. It's laid out like a British tabloid, but beneath the sensational stories of personal financial woe and economic catastrophes, it teaches how to avoid family disasters such as mortgage traps like negative equity and failing to pay off a mortgage before retirement. Hong Kong parents who have children living and studying in Britain can keep track of the issues that affect their tuition fees, credit card deals and personal finances. News feeds, exchange rates and charts of major indices are easy to read.

Plenty of sites give legal advice on how to file for bankruptcy in your jurisdiction. This site aims to jolt you from the abyss of self-pity and depression that bankruptcy inflicts. Helping you get over the guilt and the reminders of what you can no longer afford is the first step. Then it prepares you for life decisions and financial planning after bankruptcy and shows you how to save money and restore your lifestyle.