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articles about personal finance and investing.

Death is the absence of time, a dark nothingness that is infinite and impossible to fill. If there is life after death it is more than welcome. Personally, I do not need the promise of heaven in order to be a good person and citizen. As nothing is guaranteed in...
You are sitting at your desk at your office working normally when suddenly you are asked to a meeting with human resources. Uh oh. You go to the meeting and are informed that you will be made redundant. You are escorted back to your desk and asked to take...
For a young person in their 20s, fresh out of university with a new job, what do with extra money is the last thing they are thinking of. Retirement is years away, and plus first jobs rarely pay much. However, thinking about what to do with extra money is...
Who doesn't like a good free app? Anything that gets you closer to saving more every month by helping you reduce how much you spend it's great, as long as it brings joy and happiness into your life. Here are personal finance apps free at your disposal that you should consider...
Increasing your financial wealth can be easy if you do it the right way. Treat money as your enemy, and it will show you no respect in return. But treat it as your friend, and it will be your greatest ally. The money you have at this moment, whether it...
Investing your money and becoming financially independent begins with one simple step: saving money.  With a little bit of discipline and planning, you can easily save money on a daily basis. There’s no need to wait for your next paycheck or bonus. With these simple tips, you will be well...
It’s tempting to bury your head in the sand when it comes to debt. But, as we all know, those credit card bills are only going one way and the banks aren’t going to forget about the loans you are struggling to repay. While most of us will worry...
Earn it and spend it because you only live once, this is the YOLO lifestyle. FI seekers earn it then invest it building their way to financial freedom. This delays gratification, but gives greater freedom later on. Those who are successful in their FI journey will so win control over...
"Investing is the act of focusing resources on something, to get more" The above is Jim Reynold's definition of investing. Let's dig deeper. Investing - What is it? To invest, you need capital. Capital is an accumulation of a currency. To have capital you need to save. Saving can only take place if you...
The idea of having an emergency fund is advocated by financial experts who think that having a financial floor is incredibly favorable to cover unexpected situations and emergencies. Now, is there a chance that you are over-saving for an emergency fund? In fact, there is. If you center too much...
In one way or another, the Coronavirus is affecting lives across the globe. One of the most affected areas during this pandemic is the global economy, with experts expecting the global GDP rate to shrink by 5.2%. According to the World Bank, this is the deepest recession we’re experiencing...
Financial Skills Toolbox A toolbox is a dangerous place, it contains hammers, saws and nails. If used eloquently they can build your financial fortress. On the other hand, if those using them do not have the experience or the patience to learn how to use them, they can cause unintentional...
If there was an award for ‘Most Unlikely Article Title of the Year’ this one would have few competitors beyond Government Decides to Cancel Taxes! Yet early retirement, or even very early retirement, is a real possibility for those who adhere to the ways of FIRE - and you don’t...
How to become rich? A checklist About the Self: Be passionate and alive. Meditate Know your issues/weaknesses. Have strategies to deal with them. How do you deal with Fear and Greed? Leverage your strengths. Learn from the mistakes of others rather than your own. Check in with your state of...
Is financial independence worth pursuing? What is the cost of financial independence? Life is a zero-sum game because we have limited time. We can only do so much in the 15 hours we remain awake every day. This has to be subdivided between learning, the day job, family, and why not...
There are many different ways to invest money. They range from super easy and safe (a savings account), to more complex and risky (stocks and bonds). But there are some investments that should be avoided in all situations. Avoiding these kinds of investments will make it more likely you...
The Coronavirus pandemic is still raging through the globe. Companies are still struggling, people are losing jobs, and there’s no telling when the recovery period will start. There’s a need for people to spend wisely, now more than ever. Even if you still have your job, there’s no telling...
Agriculture investments, provide an opportunity to invest in food production. SWOT Analysis Strengths: Food is a key component of human life, in the next decades there will be more human life, and we will need more food. According to the Savills report,  Two billion people means we need to increase our output by...
Peer to peer lending is a system in which borrowers and lenders connect directly to lend money to each other. The internet has become a matchmaker between borrowers and investors or lenders who would like to co-invest in such loans with other investors. Co-investing taps into the power of...
Coping when markets are spiraling out of control can be an overwhelming exercise. For most young investors who did not go through the turmoil during the Great Depression or the financial crisis of 2008, the current trends in the market are overwhelming. Financial markets all over the world took a...
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