Personal Finance 101 is the beginning steps you can take to really become self-sufficient with your money. It will include various areas like understanding expenses, how to create a budget, saving for retirement, investing basics, and more.  You don’t need to be an expert to manage your finances and you can have little to no … Read more

Investing your money in the stock market can seem a bit overcomplicated and scary. Especially if you pay attention to the stock market news, they love the doom and gloom articles about the financial markets.  Seriously, take a look at any major player in the financial and stock market media, you’ll quickly find some negative … Read more

In our consumer and debt-heavy society, living beyond your means is all-too-common. And unfortunately for us, it can put us in tricky financial situations and consumer debt. Considering how easy it is to impulse buy online and use credit cards, we end up spending more than we make. This process has become so normalized, that we … Read more

You may have heard about the value of multiple streams of income at some point in your life. Yet, many people may not realize they do indeed have different money making areas currently. And others may not consider why different streams of money really matters. Not matter what spectrum you fall under, you stumbled on … Read more

There are a lot of people who genuinely dislike working on their personal finances. Whether that is budgeting, financial planning, understanding investments, debt, you name it. Many people find personal finances to be extremely painful to work on for various reasons. You might be in this category (I was a few years back) or you … Read more

Financial misery is something I feel like most of us have faced or will face during our lifetimes. Also, since everyone’s financial situation is different, what you define as your financial misery may not look so bad to others. But over the last few years, I’ve been able to reflect on a lot of various … Read more

Why is it difficult to save money? Or another way to phrase it, why does it seem like saving money is so hard? I think it’s a pretty common question that people often wonder about. I also asked myself this as I started working to establishing a good savings rate. I found this to be … Read more

When new investors get started in the stock market, many times they are disappointed when their purchase value drops. Not understanding why or what happened, often times the investor makes rash decisions where even more money could be lost.  It’s common to experience this in your investing adventures, I know I certainly did. But looking back … Read more