How to get out of debt?
We all have a fair idea on how our debt started. Our circumstances changed – we got married, had a new baby or children went to college. It could be due to emergency – medical expenses or the car broke down. Or it could be as simple as having bad choices in spending.
Everyone started with one credit card with a manageable credit limit. After few months, all these banks were offering all sorts of credit cards with added perks. Being naive, we just accepted them all. Your one card became 2 then 4 and before you know it you had several and maxed-out them all. That’s aside from the multiple loans you had taken. (more…)
One of my goal is to inspire others. It might be a very vague goal as I’m also not sure on how I can do it. I thought I can share my experiences on paying-off my debt, saving, starting a business and how to stay thankful and positive. And by creating a blog, my experiences can be heard (or read) by more people.
Starting Your Business While Being Full-Time Employed
I have this aspiration of resigning from my job and starting my own business. This has been my dream since I became a mother. My husband can support us but since I am earning almost the same salary as him, there is always a feeling of regret whenever I think of giving up my job. (more…)
How Positivity Can Make Us Rich
It seems too easy that you become doubtful. You mean just stay positive and money will come? How can that be? What about keeping it real and practical. We have heard a lot about poverty, unemployment and high cost of living. Maybe you believe that only those privileged can become millionaires. Besides, they have the money to start whatever their heart desires. It’s hard to imagine that money is easy.
BUT we should always remember that whenever we think earning money is difficult, then it will be hard to earn money. Whenever we say that life is unfair, everything will just go downhill. We manifest what we think.
How to start your emergency fund?
We have always heard this long time financial advice to build an emergency fund. It seems a very good idea and you understand the importance of it. But how much should you stash away and how to start saving for it?
First, let’s define what’s an emergency fund. Obviously, this is an accessible stash of money that you can use in case of emergency. However, we might have different definitions of emergency. I know some people who have used their emergency fund to loan to family members who got into financial trouble. Some used the fund for car repairs. Some used it to pay for emergency medical treatment. You see, all of us has different definition of emergency and the degree varies. But I’m sure that buying a new set of dining table is not an emergency. Same as having a new dress for the graduation party. (more…)
Success is not a sin. Being rich is not wrong.
How many times you were told that you’re rich and your response always goes something like “No, I actually have no money” or “Not really, I just got lucky”. I understand that you don’t want to brag about your success but at the same time you don’t need to associate all these negativity to being rich.
Why do we need to defend ourselves whenever we buy stuff that we worked hard for? You have already shared the blessings to your family. You already donated to charity, then why are we being harsh to ourselves? Even if we don’t mean it, the fact the you are voicing it out will cause negative effect on you. (more…)
Revisiting My 2015 Goals
Wow! We are halfway through the year. It’s a cliche but time flies really fast!
Here is a list of my personals goals I prepared beginning of this year. I thought it is a good idea to check how I am doing.
Launch jewellery business and succeed! -well, not yet but very soon!
This was supposed to be launched in April and I am way behind schedule but I’m not losing hope that this will happen within my lifetime 🙂 (more…)
“When you get into a tight place and everything goes against you, till it seems as though you could not hang on a minute longer, never give up then, for that is just the place and time that the tide will turn.” – Harriet Beecher Stowe
I just read this motivational quote and I felt the urge to post it. I believe that when you start feeling uncomfortable from what you are doing, stop for a minute, clear your thoughts then ask yourself. Is there a nagging feeling that what you are doing is not right? Are you having this intuition telling you to stop? Then I suggest you don’t continue. It might be your instinct telling you to let go and move on. (more…)