The majority of the startups we are aware of today are trying the best to have an idea on the amount of time they can keep the lights on before their businesses finally run out of cash.
The thing is, either a startup runs directly into a cash crunch at a point in time, or they are interested in accelerating their growth. However, there are times whereby startup founders may want to make use of their personal finance to keep the business floating.
Funding With Your Personal Finance
​There are lots of entrepreneurs and even small business owners that have embarked in self-funding their startup with their personal finances for a significant time frame.
Sometimes, they do this until their funding opportunities that are outside become much more realistic.
Nonetheless, if you do believe in the vision you have and you have refused to take failure as an alternative, you should surely feel very comfortable investing your personal finances in your own business.
When making use of your personal finance, you will have to be very smart in this game and highly frugal. Also, making use of your personal finance can work in your favor sometime later.
This can work in your favor as your story can be strengthened when the time comes to seek extra funding for your business from investors that are outside.
Like we mentioned earlier, no one believes in your business as much as you do and if you are skeptical about using your personal finance on it, then that is a red flag. Well, unless you have other quick access to funding the business with a cheap capital cost.
Other Strategies For Funding Your Business
Some of the startups we can find today pieced together their funding from diverse sources. While no single source is better than the other, everything relies on your runway, access to resources, living expense, and even capital cost.
It does not matter if you are a startup that is searching for initial seed capital or you are already operating a small business and need money to grow, you have to be flexible and keep accurate financial numbers.
Some of the ways to fund your business without the use of your personal finance include:

• Credit Cards

When you make use of credit cards, its intriguing advantage is that it can be used to retain total control of the company, have swift access to the cash and no one keeps breathing down your little neck.
Although there are risks linked with funding your startup with business cards, you can always explore it depending on the amount of money you need, how quickly it is needed, and your credit score. However, before you do that, you need to be sure that your startup will be profitable so you wouldn't be losing out on 15-25% APR of a credit card.

• Crowdfunding

With a huge network of fans or friends, or even an idea that works its charm on people, crowdfunding platforms actual present other alternatives for your startup.
Crowdfunding will enable you to promote the vision you have for your startup products and even take orders plus pre-sale inventory before you begin manufacturing it.
With marketing and planning, crowdfunding may likely take months to raise the money you need successfully.
To Wrap It Up
From friends and family to crowdfunding down to angel investors, there are lots of ways to raise money for your startup. However, if you want to go through the route of personal finance to keep 100% of your company, it is not so bad either.
Try coworking today to save money so more of it can go to your startup. 

As you get older, you will realize that life skills are not as clear cut and obvious as they may seem. You will realize that there is truly no handbook for adult life.
It just happens that somehow, you just know that you should have some money coming in, and you should be going for job interviews. There are life skills that are necessary that we were not taught in school
While education tried in giving us the sensibility to see both right and wrong things, understand the world we are occupying and even gave us the confidence to live in a society that keeps throwing difficulties at us.
However, when you take a look at life, you will find out that the majority of the critical learning we have were not gathered in school but by experienced that life threw at us.
Some of the life skills that are necessary for you to have include:

• Communication

Communication goes a long way in our world today. It has a major role to play in our jobs, family, business, relationship, and life in general. Communication can either break or make your life.
In our digital age, so many of us have lost our communication skills, and we truly need it back. It is a vital aspect of our life that will be used wherever we go.

• Personal Finance Management

In life, all we are interested in most times is simply to graduate in flying colors and land ourselves in exquisite places that our careers can take us to. However, when it comes to personal finance, it is a different ball game
Most people have no idea what personal finance management is, and that is why people tend to spend on unnecessary things. An intriguing skill we should groom is knowing how to earn better, what budgeting entails and also how to save.

• Critical Thinking and Problem Solving Skills

Thinking critically and solving issues is a life skill everyone should have or invest in. The world, as we know it, has turned into a complex platform and the difficulties we tend to face lots of critical thinking, creative resolutions, and abilities to solve problems.

• Strong Belief

While the schools we have all been in tried its best to promote cooperation and competition, we also need a strong belief in ourselves for us actually to go places. Without this belief, anyone can walk all over you
It is a basic life skill because there may come a time when you are all you have got and the belief in yourself, your dreams and aspiration will be what will take you so far when no one else believes in you.

• Flexibility 

If you are unable to be flexible in life, you will end up being irritable. It is this flexibility that makes a human to win hearts. Even in the companies that we have today, they keep on searching for those who can easily adapt to any situation they find themselves in.
Being flexible is a life skill that is needed in a bid to thrive in our ever-changing ecosystem.
To Sum It Up
Life does not adhere to only what we were taught in school or taught by our families. It is a complex world, and that is why it is vital to at least have two or more of the life skills mentioned here that will help you in your path.

San Francisco can get expensive and with daily spending getting so high, it might be important to keep track of your spending habits. Keeping track of your budget can help you maintain your finances easily. With the help of technology, it has become easier to access personal spending and budget tracking through mobile phone devices too. In the past, Microsoft Money and Quicken were the two programs that were used by people. However, with advancement, more efficient and refined applications have become accessible to all of us. If you want to figure out the best app to track personal spending, here are a few options to pick from:
Dollarbird
One application to track personal spending is Dollarbird that will let you add past as well as present expenses to the built-in calendar. It will then calculate the influence of your spending on the total balance that you have. Moreover, it will also categorize the spending based on different things you spend on. The perks of using this application include:

• It is free.
• It can be used on Android and iOS devices.

Level Money
For people who struggle with calculations, Level Money can be really useful. As you enter your total income, it will subtract the number of your expenses and savings to give you the leftover amount for personal spending. You will know how much you have in your account for purchasing stuff each day or month based on the calculation. 

• It is free. 
• It will also link to your accounts for data input for accurate calculations.

Mint
Another wonderful application to track personal spending is Mint. This app lets you create your budget based on different categories for each month. You will have graphs that will tell you about how much you are spending. Moreover, it sends warnings as you reach your limit along with helping you keep your credit score on track.

• It is free.
• You can manually input data in the application or plug it in if the application works with your bank.
• Keep track of your spending and sends you alert if you are over a limit. 

Wallaby
Technology has made it quite easy to reach your credit score goals. If your focus with personal spending is to enhance credit score, Wallaby is a great choice. It makes a list of transactions to identify which card you should pick to make your purchase at certain merchant sites. 

• It is free.
• It will warn you about the credit limit.

Penny
Penny is more interesting as it keeps track of your spending habits like a friend. It sends you texts as well as notifications that comment on your spending habits. If you are looking for a light and interesting app to keep things under control, you can give Penny a try.

• It is free.
• It can be downloaded from iOS and Android software.

Your spending habits can go out of control and the fluctuating numbers can impact your credit score. Furthermore, if you are trying to save up for a startup, business, house, trip, or a nice car, you need to balance your spending habits. Otherwise, you can also use the technology to generally maintain your monthly budget to ensure that you are living within your means.