Coming Up with Financial Goals for 2022
As our New Year Celebrations come to an end, it’s a good time for us to take a look at our financial planning for the year ahead. Goal setting is an important part of everything we do. It ensures that we’re able to reach our targets in a timely manner. This applies to our financial goals too! As the saying goes, if you fail to plan, you plan to fail. That is why we have put...Read MoreHow To Improve Time Management
We all have 24 hours a day. Yet, why does it seem like that influencer has a magical 48-hour schedule? How do people juggle school, work, events, fitness, and STILL have a social life? Well, sorry to burst your bubble, but we are all living on the same 24 hours. The hard truth is – learning how to improve in time management. Time and tide wait for no man. If we want to accomplish more,...Read MoreSetting SMART Financial Goals
I’m sure we all have a vision of how we would like our lives to be like in the future but may not know how to achieve it. Are you wondering how to start your financial independence journey? One way to get there is by first setting SMART financial independence goals. Why SMART Goals are helpful If our goals are not feasible, we may end up feeling discouraged every time we are unable...Read More#adulting: Buy Now, Pay Later
Buy Now, Pay Later (BNPL) is a simple concept that spreads payment for an item over time. Instead of paying the full amount during checkout, we choose the BNPL service which pays the merchant on our behalf. By taking this action, we agree to pay the BNPL service over a period of time. Effectively, we split the payment into smaller amounts over an agreed upon time frame. However, this...Read MoreKnowing This Can Help You Reduce Financial Anxiety
When you see your friends willing to pay for extravagant items, do you wonder how they can afford it? Is there constant comparison and a nagging feeling of self-doubt, that you are not managing your money the best you can? Trust me, I know how you feel. I often feel insecure and panicky when it’s only the middle of the month and I have depleted my monthly allowance or when I lose...Read More#adulting: 3 Simple Tips to Avoid Overspending Online
With the recently passed 11.11 and 12.12, you may have been tempted by the many sales and promotions from all the shopping sites. However, once the mood passes and you find yourself surrounded by your unplanned purchases, you might question why they were bought. Impulsive buying is common, especially with online shopping. There are many traps set by online stores to promote impulse buying,...Read MoreMoney Management: Perhaps Not Luxury Goods
As we walk on the streets now, we see many people wearing or holding branded items. From Chanel handbags to Nike shoes, these products have become a norm in our daily lives. Have you stopped though to think if we might be paying too much for them? Is having branded luxury items a form of good money management? Here are some thoughts on why buying luxury items may not be your best choice when...Read More3 Tips For Festive Holiday Spending and Budgeting
It’s the most wonderful time of the year ~ Andy Williams It is once again that time of the year where we enjoy the festive season! With Christmas around the corner, I am guessing everyone is rushing to get presents. Many of us are also feeling the need to reward ourselves by indulging our material wants and perhaps taking lavish holidays. Do you realise though that with these...Read More
Gaining Financial Independence through Adulting
For individuals who are adulting, financial independence is a huge milestone. We often struggle with reading/paying bills, and making sound financial decisions that we are confident of. CoVid-19 has resulted in high levels of economic uncertainty. Individuals feel anxious about the future and not know the best way to respond financially. This workshop aims to empower young adults aged 18 to...Read More