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Being Frugal and saving money is generally always the preferred choice. Week after week, I write articles to help you figure out how to make every dollar travel a bit further so you can retire just that much earlier.
And it’s not just me either. If you keep up with all the articles circulating the web, you will definitely get the impression that saving money makes sense at all times, every time.
Yet, there were moments in my life when saving money wasn’t the right choice. I remember years ago when I was flying back to attend my grandfather’s funeral. Airline tickets were very expensive, as the event was so sudden and I had to leave on short notice.
That funeral fell on a Saturday too. I could’ve saved money if I left the night before but the chances of flight delays was just not worth the extra savings. Making the event was priceless, so unless the difference in airplane fares were so much that I couldn’t afford the cost, there was no way I would try to save money and risk missing the chance to see my grandfather one last time. [ continue reading… ]
I’d like to introduce you to Billy, the investment guru living inside my head. He always convinces me to buy and sell stocks at the perfect time, but he must be a billionaire since his call to action always cost me financially. I can’t blame him though, because he probably doesn’t need any more money and probably doesn’t care.
Whenever there’s a bull run in the markets, he tells me to plow more money into stocks. “Buy and hold, stay the course, the market always comes back so it’s always a good time to buy”, are just some of the catchphrases he’s been yelling at me during these years.
The advice worked well enough for a long time since the market climbed relentlessly, but then COVID-19 happened and stocks took a quick dive. And what does he do? At the depths of the market plunge in March, he had the guts to tell me to sell. It’s not just a casual nudge either. We are talking about not letting you sleep, screaming “sell, sell, sell” the whole time for days on end. [ continue reading… ]
The idea of being financially independent is something most of us dream of, but some of us are taking action to make this dream a reality. We believe that living below our means, maxing out our retirement accounts, paying off our debts, and saving consistently will allow us to achieve freedom. We will be free from money issues, free from our constant struggle at work, and free to work on what we are passionate about. [ continue reading… ]
He told me he had a gun, and I thought he was about to hurt me. But it turns out to be a friendly neighbor trying to protect everybody because there was a robber just down the street.
To say that perception is important just doesn’t do the term justice. It’s the sole contributor to our decision to purchase, and the reason why some of us make more money than others. Perception is one of the most crucial factors of personal finance because it affects the two main avenues of accumulating more wealth – our ability to earn and our discipline to save.
I may run the risk of getting hate mail for asking, but I have a genuine question I want to get an answer to. How do pet lovers justify owning a pet financially?
I saw the other day that animal shelters are running out of pets during the pandemic and I shook my head because now isn’t the right time for many people to adopt a pet. I get people wanting companionship when we are forced to stay at home for the better part of our lives, but isn’t getting a pet the last thing we should do during this time of crisis because owning a pet costs so much?
My Struggle to Stay Dog-Free
I wanted to know because Sara has been asking if we can get a dog for basically forever. What do you want for your birthday? A dog. What about Christmas? Dog. For lunch? Not a dog, but could we get a dog soon?
Most days I’m pretty firm with my response, but there are times when I feel like giving in. Sara is only ten years old, but she’s pretty responsible considering her age. She is also a very caring person and loves animals so much that if any kid “deserves” a pet, it would be her.
Still, all I can see whenever someone walks their dog is the work and money that’s tethered to that leash. These are just some of the negatives that immediately pop into my brain: [ continue reading… ]
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