FAQ and Help - Click to open or close

Please review the FAQ and help sections available on each page.

Never share your contact information on this website. Doing so could pose security risks and may result in the permanent closure of your account.

Available experts are ready to assist you. If an expert is unable to answer your call within the allotted time, they will be automatically marked as AWAY

Low Priced: Experts are listed in order from lowest to highest price.

High Priced: This listing arranges experts from highest to lowest chat rates.

New Experts: This listing arranges experts by their date of joining, from most recent to earliest.

You have the opportunity to introduce yourself to experts for the first 3 minutes at no cost before deciding to hire them. All sessions with new experts are free until you choose to hire. If you've worked with an expert before, they will be automatically hired after the initial 3 minutes.

Busy experts" are those currently engaged with clients. You won't be able to start a chat session with them until they're available, but you're free to send them an email in the meantime.

Popular Experts: Our Popular Experts are psychics who have been carefully selected through a rigorous interview process. This ensures that when you choose a reading with one of these professionals, you’re getting insights from someone with verified abilities and a strong track record. They are skilled in delivering confidential, accurate readings that you can trust, making them a reliable choice for your spiritual guidance needs.

Preferred Experts: Preferred Experts have earned their title through consistent, positive feedback from our customers. They have developed a reputation for providing deep, insightful guidance, particularly in the areas of love, relationships, and careers. These psychics are known for their ability to connect with clients on a personal level, offering confidential advice that resonates and helps individuals navigate their life’s challenges effectively.

Premier Experts: Our Premier Experts are the top-tier psychics who have garnered widespread popularity for a reason. These professionals stand out for their exceptional ability to provide the supportive and insightful guidance that clients need to move forward in life with confidence. Whether you’re facing a major life decision or seeking clarity on a complex issue, a session with one of our Premier Experts can offer the reassurance and direction you’re looking for. Their profound insights and compassionate approach have made them the go-to choice for those seeking the best in psychic readings.

Free intro experts are always available to chat with you for up to 5 minutes. While they won't provide any readings during this time, you can ask about possible solutions to your specific issues.

All sessions with new experts are free until you decide to hire. You also get 3 free minutes each time.




Genuine Live Psychic Reading



IMMEDIATE ACCESS TO AN EXTENSIVE RANGE OF WORLD'S TRUSTED PSYCHICS ADVISORS & TAROT READERS .




Get More - Pay Less

All Experts are grouped in three Amazing Time Packs.


Specialized interview process to ensure that you can enjoy a confidential reading.

Browse Experts

All Experts @ $1.25/min with timepack


Gained reputation with our customers for providing confidential, insightful guidance on issues of love, relationships, and careers.

Browse Experts

All Experts @ $2.50/min with timepack


They are going to provide you with the necesssary supportive insight to help you take the next step.

Browse Experts

All Experts @ $5.00/min with timepack


Our Featured Banners

Few you might also know :)



Featured Experts

all available Low Priced High Priced New Experts Busy Popular Preferred Premier $20 Deal Free Intro
Load More
\

Tips on maintaining the financial balance in the family

Tips on maintaining the financial balance in the family

Financial management within the family is a hard nut to crack for many of the home-runners. Though the income is high, several families find they run out of financial resources and helpless at emergency situations. Proper financial management within the family and maintaining the financial health is essential to be well supplied with economical resources when in need.

It is because of the failure in managing the financial resources many families get bound to bank loans, and often bankruptcy. Improper management of wealth sources will raise possible risks in life and will create unwanted situations in life. Managing money is not a tough concept, if approached well and remained adhered to the budget and decisions constantly.

Many people never consider or foresee the possible future expenses and drain out all the savings and resources for present day life. If reserved a bit of extra consciousness on the money matters, maintaining a healthy financial family is a possible task.

Always have a budget
Budget is the best possible form of scaling the income, expenditure and also a way of planning the savings for future emergencies. Every family will have certain amounts of income from the contribution of all the members put together. The budget should include all the possible expenditure of a month. There will be multiple spending in every family like food, clothing, several bills, travel and fuel expenses, maintenance expenditure, loans or other payments, children's education, savings etc., to start with make a list of all the expenditures.

Once the list of expenditures is made, then the income can be divided according to the priorities. Start dividing the income from the most inevitable expenditure and always try to keep some amount balance as saving. If the income is insufficient, then avoid the less important expenses. This way a budget can help planning the income and expense and balance them in the best possible ways.

Consumer debt is always detrimental
Carrying consumer debt is never acceptable in proper financial management. Consumer debt means the debt undergone for purchasing consumer products. For example, when people take loans for buying consumer items like electronic goods, home furniture etc., it is called consumer debt.

The concept of consumer debt has reached new realms with the introduction of credit cards. When you purchase using credit cards, make sure that your budget can afford the payment in the same month itself. Do not carry the consumer debts to the next month if you wish to balance the budget.

No financial secrets among the earners
Many couples do the mistake of keeping financial secrets from the spouses. Before preparing the monthly budget, tell how much you need for meeting the personal needs like purchase and paying off personal debts etc. Keeping financial secrets will imbalance the budget and personal requirements. When spending in the family all the earners should be made aware of the expenditures. This will help them understanding the financial state of the family and strain a bit to save an extra penny or earn an extra buck if needed.

Learn to be limited to the income
It is important to learn to limit the budget within the income. Do not try to keep up with neighbors or friends. Unnecessary or avoidable expenses occur because of striving to get facilities that equalize the social status with others. If you can afford only a middle segment car, then do not go for a luxury one just because your neighbors bought one.

It is important to understand that money is a tool, which doesn't buy happiness. Happiness or the feeling of abundance is just a mind work and when someone learns to be contented with the available or affordable resources, the family can be happy and satisfied.

Savings are essential for family
A financially healthy family should reserve a certain share of income as saving to meet unexpected and emergency needs. Medical expenses, car breakdown etc., are very common unexpected needs when people have to extend the budget. If the family reserves money as saving, then unnecessary debts can be avoided. The savings are also necessary to meet the expenses in old age when you are not able to work and earn. If you expect a possible expense in the month, then there should be enough reserve to meet that situation too.