All posts filed under personal finance

Life Is About Learning to Adapt

On the way to financial freedom, many of us will have to learn how to adapt our mindset, spending, our goals, adjust to new lifestyle choices, adapt to new priorities, and to a financially independent lifestyle (when financial independence finally happens). Throughout the history of humanity, to be able to survive we all had to learn how to adapt. Unfortunately, the more comfortable people become, …

Establishing Good Financial Habits in Kids

Over the years, I’ve asked many people I considered good with money or who worked in the financial sector how to teach kids about investments. The best I got was “Open a savings account and add some money each month to show your son how the money compounds.” WHAT?!?! Well… that sounds really boring even for an adult, not to mention a child. First of …

Improve Your Life Through Mastering Personal Finance

Since I started my journey towards financial mastering, I discovered that mastering personal finance has a lot to do with finding your true self. Learning about investments and financial independence set me on the road to sort out and face all my unresolved issues around finances I’ve had for years. Thinking about and recording my spending allowed me to see how much money I spent …

Would I Buy This Item If It Weren’t on Sale?

Recently I’ve been wondering about buying stuff that isn’t on sale. Well, in reality I almost never buy anything for myself that has a full price tag attached; with kids is a different story and we buy what they need. However, I started questioning this habit of mine and begun asking myself if I need to buy something/anything at all, regardless if it’s on sale …

Unlearning the Bad Habits

Picking up bad habits is soooo easy, as is falling back to default, often dangerously destructive ways. Eating sweets or junk food is a bad habit. I’ve never been a fan of junk food but sweets, ooooh that I can eat. Especially when I feel tired or restless (maybe that’s why I work so much, hmmm… something to think about). The only way that I …

The Road to Freedom

Ever since I can remember, I wanted to be free to do whatever I wanted to do. If you had asked my dad, he would surely tell you that I always did whatever I wanted to do. Well, at least I tried… thanks, dad. When I search deep inside my soul, I know that having the freedom to do what I dreamt of doing was always …

The Capsule Wardrobe Is Your Friend On The Way to Financial Independence

A capsule wardrobe is a small collection of clothes that easily complement one another, can be mixed and matched, and of course, represent your favourite pieces. Its goal is to minimise waste, save time while choosing what to wear, save money, and become more mindful and minimalistic with our fashion choices.  The number of items in a capsule wardrobe varies from 37 to 50; at least, …

The Fear of Missing Out

Our culture and economic system thrive financially on making people feel not good enough. Clever marketers and their campaigns will suggest that such an uncomfortable feeling can quickly “evaporate” if you only buy something that will instantly make you feel great. It doesn’t matter if you can or cannot afford to pay for it; a credit card with a healthy balance will open all the …

It’s Really Hard for Women to Be Financially Independent

Data and research and the everyday socio-political reality we live in prove that becoming financially independent is often an unreachable dream for women. Expectations of modern women are incredibly high, and support (I’m referring to both, financial and social support) in many countries is deficient, especially for working or single mothers. From the female perspective and experience having a job doesn’t automatically guaranty that we …