In the realm of personal finance and wealth accumulation, certain principles have stood the test of time. Some of these guiding principles have been passed down through generations, transcending the boundaries of time and culture. Here is where can easily see that wealth wisdom is timeless. But for most people, they have either been lost […]
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Why Own A Credit Card? Of all of the money-related conversations that I have had with my students, the most misunderstood is probably related to credit cards. Unsurprisingly many students see having and using a credit card as almost a right of passage. They are simply things that adults use – so they must be
Do You Really Need A Credit Card? Read More »
Introduction Interest rates are a fundamental aspect of modern economics that affect our lives in more ways than we might realize. Whether you’re a young person just starting to save, someone interested in investments or planning to retire, understanding them is crucial. In this article, we will delve into how interest rates shape the economy,
Interest Rates Simplified: A Guide For Savvy Investors Read More »
What Is Credit? Will You Need It? Students often ask me about credit, credit cards and credit ratings. As a young person about to embark upon their financial journey, it is quite exciting to consider the fact that banks may provide them with loans to buy the things that they could unlikely afford to buy
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The Boring But Important Early Step Towards Financial Freedom And A Stress-free Life Let’s talk about something that might not sound exciting, but it is incredibly important: You need to save an emergency fund. I know, I know, you might be thinking, “An emergency fund? That’s boring!” But hear me out – an emergency fund
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What Is The 50-30-20 Rule? If you’ve researched ways to manage your finances better, you may have heard mention of the 50-30-20 rule. Great… another rule to follow that will make you rich, you may be thinking. Well, this one is pretty simple and makes a fair bit of sense. So what actually is it,
The 50-30-20 Rule. Can It Help You Manage Your Money? Read More »
Introduction In today’s fast-paced world, it’s easy to get caught up in a cycle of spending money without much thought or consideration. Whether it’s eating out regularly, splurging on designer clothes, or buying the latest gadgets, these expenses can quickly add up, leaving us with little money left at the end of the month. This
Do You Know Where Your Money Goes? Read More »
Pay Yourself Before You Pay Everyone Else You need to pay yourself first. And keep paying yourself first. This is one of the best pieces of advice that I have ever been given. Maybe it originates from this Warren Buffet quote. “Do not save what is left after spending; instead spend what is left
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Lessons Well Learnt Right and Wrong There is generally a right and a wrong way to do things. There is definitely a right and a wrong way to buy a car. When I was much younger, I found the wrong way and paid a large price for that decision. This article makes me realise just
What Is The Wrong Way To Buy A Car? Read More »
FIRE ….. Financial Independence Retire Early How to be financially independent. It’s one of the ultimate goals, isn’t it. You may have heard of this new trendy thing called FIRE. It’s a huge movement of people who are 100% committed to doing all that it takes to get to the stage in their lives where
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