Save first, Spend later.

Save first, Spend later.

Save First, and Then Spend Pay yourself first. When I first heard this phrase, I actually thought, how do I pay myself? What with?Then I realized that it is not really pay yourself first, but save first and then spend.At some point in time in our lives, it is likely that we have been short of money. Whether it be at the grocery store, travelin...

Read More
Should we be messsaging kids more about money?

Should we be messsaging kids more about money?

In today’s society, kids are bombarded with messages. Hundreds of messages like: Don’t speak to strangers or take their candyDon’t smokeDon’ drink or text and driveUse protectionWear sunscreenDon’t swim after eatingThe list goes on and on and on. But no-one is messaging to kids how they should be managing their money.Messages like these s...

Read More
Everyone has a choice

Everyone has a choice

My wife and I went shopping yesterday at an outlet mall. When we got home, we spoke about our purchases and how happy we were with our choices of goodies.This got us talking about our buying habits in general. What we buy, how much we are prepared to pay and why we actually buy what we buy. We spoke about our general expenses and started to list th...

Read More
The true cost of breaking the rules of the road - Part 2

The true cost of breaking the rules of the road - Part 2

If you remember from Part 1, I was caught speeding 15 mph over the speed limit and was given a ticket. What followed ended up being the best part of $1000 in fines and increased insurance premium and the loss of my good driver bonus over 3 years.Moving onto Part 2.Every weekend across the country, there are instances where people decide to have alc...

Read More
The true cost of breaking the rules of the road - Part 1

The true cost of breaking the rules of the road - Part 1

A couple of years ago, my wife and I embarked on a drive from Los Angeles to Yosemite. We wanted to experience nature. But what I got instead were some life-long insights into the true costs of breaking the rules of the road. I had been driving 5 hours and everything was going beautifully. It was a sunny day, we were within 20 miles of our destina...

Read More
To appreciate, or depreciate? The choice is yours.

To appreciate, or depreciate? The choice is yours.

As we get older, we are supposed to get wiser, but that depends on whether we have good sense and the stubbornness factor. Sense is not that common and stubbornness does not necessarily decrease with age.Over the last 6 months, I have been going to a chiropractor and deep tissue sports massage to fix various ailments and it got me thinking about a ...

Read More
My new hobby.

My new hobby.

I am proud to say that I have taken up surfing and loving it. Originally, I watched a load of surfers and came to the conclusion that it was a lot of effort for very little reward.You have to get up early to catch the best waves, otherwise, the winds can affect the quality of the wave.You have to paddle out against the waves, which can turn out to ...

Read More
One of the best lessons you will ever learn about money.

One of the best lessons you will ever learn about money.

One of the best lessons you will ever learn about money. Read this story how a parent taught a child about money. A parent teaches daughter about money.

Read More
The costs of running a car.
Personal Development

Personal Development

This morning I was reading a blog and the message really got me thinking."During the day, work an hour for yourself." At first, I thought, actually I am self-employed. I gave up working for other people. Hence I do work for myself.The message was not about what we are currently doing, but about personal development. Learn something new. Take up a h...

Read More