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, […]
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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,
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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
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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
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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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What Is It And Why Do We Need It? Introducing Rule number 1 As a kid, you are probably in a hurry to ‘grow up’. You want to be an adult so that you can do those cool adult things like having a job, driving a car and using a credit card. Credit cards are
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How Can A Teacher Become A Millionaire? Most teachers, whether they are teaching in their home countries or teaching overseas, probably won’t ever imagine becoming a millionaire. Sure, there are benefits that come with our profession, but accumulating huge wealth doesn’t appear to be one of them, at least compared to many other professions. However,
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