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In most countries, financial institutions operate in a heavily regulated environment. As critical parts of countries' economies, those economies depend on them to grow the money supply. Regulatory structures differ for each country. Typically, these involve prudential regulation as well as consumer protection and market stability. Some countries have one consolidated agency that regulates all financial institutions. Other countries have separate agencies for different types of institutions. These include banks, insurance companies and brokers.


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If you want to control your spending and work towards your financial goals, you need a budget. A written, monthly budget is a financial planning tool that allows you to plan how much you will spend or save each month. It also allows you to track your spending habits. Whether you’re looking to create a personal budget spreadsheet or just get a better grasp on money management, start with these six steps.


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Credit is a necessary tool for people to be able buy goods and services. More and more businesses are realizing that your credit history should be used to make decisions about extending goods or services to you not only for credit card and mortgage decisions. Since your credit history is defined by how you have paid (or not paid) your bills in the past, many businesses – landlords, mortgage lenders, utility providers, and even employers – use your credit to predict your future financial responsibility.


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