PERSONAL FINANCE

Making personal financial decisions is a risky business.

It comes down to personal preference, in most cases, as to whether an individual wants to remain cash fluid or run up high debts and loans.

There are counter arguments to whether the former of latter are the best course. With financial factors being somewhat stable in recent times, the cash to loan ratio has taken a downward swing. Balancing long term assets, stocks debts and savings is one hell of a juggling act and there is not one cast iron way of making sure you are doing the right thing, so it pays to think before you act.