Saving $20k a year seems like a pipe dream for most of us. And when we are indeed seriously considering saving $20,000, the first thing we think about is how to cut back on spending! It’s such a shame that even in 2024, gurus are preaching on canceling your Netflix subscription! I almost took that advice and stopped binge watching Netflix, and my creativity suffered. I felt mentally exhausted! So, I don’t know about you, but if you value your creativity and mental health more than $20 Netflix subscriptions, let’s stop talking about how to save $20 a month and start talking about how to save $2 ..read more

Money rules! Money definitely rules… more of it makes life easier. But that it not quite the point I am trying to make! My problem is with the usual Money Rules that get thrown around without discretion.  Yet, most of us are clueless about what financial “rules” to avoid! Want to listen to this as a podcast instead? Ones - tips that not only fail to grow your wealth but might even set you back. In the realm of money some of your favorite finfluencers are divided on their opinions. Some say put all your money in real estate while others suggest a stock portfolio. Some say chop up your cred ..read more

Wondering about the optimal slice of your paycheck that should find its way into your savings? The financial ebb and flow are familiar – a burst of spending early in the month, a gradual tightening of belts as the weeks unfold. So, if indeed you reached here looking for the order on how to allocate your paycheck for optimal savings, I get you! You are not alone! In fact, research highlights a spending peak in week one, a gradual tapering, and a resurgence in week four, all in anticipation of the next paycheck, whether it's a monthly, weekly, or fortnightly affair. Breaking free from this finan ..read more

Explore groundbreaking savings techniques that defy traditional norms, revolutionizing how you manage your finances. This article unveils strategic approaches that not only challenge but completely reshape your financial perspective. Click this link to listen to the podcast: Prepare for a transformative journey that prioritizes innovation and effectiveness, steering your financial path towards resounding success. Auto Saving: The Silent Transformative Force Auto saving goes beyond the mechanical; it's a philosophy of financial transformation. Picture yourself allocating a portion of your incom ..read more

Introduction: Money, a driving force that has shaped my journey for the better part of my life. Over the past 15 years, I've immersed myself in the world of economics, earning degrees and working within the financial services sector. Today, I invite you to delve into a discussion about the seven habits that often lead to financial struggles. Let's explore these habits and discover ways to break free from their grip. Habit 1: Neglecting Investment Opportunities In the current economic landscape, inflation rates are soaring, with numbers exceeding 7% in the UK and paralleling this trend across t ..read more

Money has motivated me for the best part of my life.  In fact, I have spent the last 15 years getting multiple degrees in economics. And then, working in the financial services sector for over a decade.  And here's one thing that I have learned about money that impacts your financial situation disproportionately: ,EARNING MORE MONEY  In fact, you don't need me to tell you that, the more you earn, the more you can save and invest and also spend.  Just think about it. If you are on a 50 k salary and saved 50% of it, (just to keep the numbers simple), you would be spending 25 K and saving and inv ..read more

For the longest time I thought a dream job is the highest paying job. And coming from a middle class family, that's what you generally aspire to have more money in your life.  And that's perfectly valid. As I have grown through my career and I have seen other people's careers unfold, I have realized that a dream job has more to it than just money. In this episode, I want to break down for you the highest paying job categories that I have seen in my career and broadly are present in society today. And whether those fit the criteria of actually being a dream job.  1. So, the first category on my ..read more

There was a point in my life when I did not have a two day weekend. Most of the weekends were taken up by work. I used to work in the big four consulting firms and I used to love consulting. However, I was extremely overworked and underpaid. If you are feeling a bit jittery about your current work situation, here are five warning signs that your job might be ruining your life.  1. The first sign is that you get the Sunday carries or the Monday blues.  This was not really happening to me because I was working through the weekends, most weekends. But in my last job it became quite apparent that ..read more

 I have always been a voracious reader, but in my twenties I almost lost the habit of reading. But I'm so glad to have found back my habit of reading and these days I read a lot thanks to my Kindle. In this blog, I'm going to discuss with you five of my favorite personal finance books.  1. So, the first one on my list of personal finance, favorites, is a book called ,The Science of Getting Rich by Wallace d Wattles. This was recommended to me by one of my senior mentors. The name sounded interesting. So, I picked up a copy, gave it a read.  In this book, the basic concept that Wallace discusse ..read more

I have always been jealous of the people who always knew what their purpose was in life before they even started their careers.  I mean, that would be nice, but that wasn't me and it's very likely if you are reading this blog, that it's probably not you. If you are on social media or any kind of media, you probably have heard that, find your purpose, find your 'Dharma', Live your passion, and you will never work a day in your life. Look at movies like Eat pray love. So many people, I personally know in my life, have been on that eat-pray- love, kind of a journey to self discovery.  But, is suc ..read more