Personal Finance

articles about personal finance and investing.

Debt is one of those words that elicits strong reactions from everyone. Some people think debt is the devil and should be paid back as soon as possible, while others think its perfectly fine to be in debt. Most people will agree on one thing though: debt is something...
Many people don’t like their corporate jobs and want to do something for themselves. Many other people complain that they are being underpaid for the amount of work they do. Joining another big corporate is an option, but it may not solve the underlying issues. The work may still...
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...
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...
It is hard to know what you want to do in life. Most students people graduate from university and have a plethora of options that await. This is especially true for those that study non-professional degree and business disciplines. A business major could get a job at an oil...
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...
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...
We all expect and accept that Artificial Intelligence will play an important role in the global economy of the future. But are we ready to entrust robots with our investments? Well, there is a good chance that you already do to some extent, as more and more investment operations...
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...
You’ve got the job, you’re managing to make the rent each month (if you’ve escaped the nest) and you’re starting to look to the future. Perhaps you are finding, for the first time, that you have some spare money each month after the bills have been paid and are...
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...
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...
So you have 1,000  Euros or 1,000 Dollars in your bank account and your fingertips are itching to do something with them. You know that the value of these 1,000 will diminish because of inflation and if you do not use them wisely in the short term - they...
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...
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...
Financial independence is a thought process, it is a reflection of the neural connections within the subconscious and how they manifest themselves within the conscious. Thoughts are seeded from other throughs which grow into a decision that have the ripple effects of financial bloom or financial withering. The structure of decisions...
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...
Financial independence is the foundation of an early retirement. Building financial independence is all about making the most out of what you have and dealing with any setbacks as best you can. To do this one needs to think before acting. To reflect on the various options and decide...
Most of us have to sell our time for money. For those who feel that this is an invisible prison, financial independence (FI) shatters these invisible walls. The journey to FI is decades long, hard and difficult, but the end goal of a more fulfilling life make the pursuit...
Step 1: Prepare yourself mentally and emotionally for your Financial Independence (FI) journey. FI is not achieved in a day or a week, it is a multi-year process, an ultra marathon. FI will test your commitment and resilience. Body, Mind and Soul need to be committed to the success...
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