The start of the year is a great time to think about SMART goals, but it’s not enough to blindly follow this widely popular approach.
SMART goals. You know, specific, measurable, agreed upon, realistic and time-based. There are slight variations floating around (as listed below), which gives it a more comprehensive definition:
S – specific, significant, stretching
M [...]
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Meet Mr Hiroshi, who makes $600k a year and is much farther from financial freedom than you and me.
Mr Hiroshi lives in Tokyo, and is currently married with two kids. When Lehman failed, he was one of the the employees who lost his job. He made $600k a year, but with Lehman stock being worthless [...]
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“Perhaps you guys are a little too thrifty. I think you should enjoy a little since you can afford it.”, or so he says.
Sometimes, the obstacle blocking the road to financial freedom isn’t us, but the closest people around us. Although they have the best intentions, a comment like the one above puts, at the [...]
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For those of us who pay attention to personal finance, the public library should be near the top of our list of money-saving resources. It’s true that we have access to a lot of free information and services today, but there are still some expenses that can be significantly reduced if we take the time [...]
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If you feel you need to have a lot of money to really enjoy life, I am afraid you are sadly mistaken.
The greatest things in life are those worthwhile experiences and subtle occurrences that sometimes most individuals simply take for granted. While Madison avenue may think that having expensive “stuff” and the like are what [...]
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Coupons, coupons, coupons. Gotta love those savings… right?
It’s a safe bet that most of us who read this blog love coupons. We routinely check our newspapers for special offers, and we refuse to make purchases without searching for discounts because we are very careful with our personal finance. I like coupons and saving as [...]
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The current culture of acceptance that surrounds the issue of debt is one that has arisen as a result of an increased dependence upon credit and the act of satisfying an ‘I want it now’ attitude. A rise in materialism and the inherent temptation of credit cards and personal loans in aiding presentation of a [...]
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I bought a pair of pants. It wasn’t planned for, and the decision was a result of a bit of embarrassment, anger, sadness, and envy combined.
My journey to the checkout counter all started a few days ago when we walked by a CPA’s office while Emma and I curiously checked out some new office [...]
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Moving can sometimes be a sad ritual as you throw, throw and throw more junk away, only to realize that you actually paid good money accumulating “them”.
Let’s face it. Most of us have a little special something we like to spend money on. Whether it’s cars, HDTVs, luxury vacations, hand bags, shoes or [...]
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Sometimes, there’s no one to blame but yourself.
For whatever reason, my doctor visit a few days ago really struck a chord and got my blood boiling. I caught a cold and I went to see a doctor to make sure it’s just regular coughing and nothing more serious. The $25 co-pay seemed unnecessary [...]
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