Personal Finance

Small Financial Steps To Complete This 2019

As the new year chimes in, there will come a chance to set new resolutions or goals. The other day, my sister and I were casually chatting about her 2019 resolutions. She reiterated how important skincare is. She seeks to apply sunblock and lotion on a daily basis. Her skincare resolutions were concrete and doable. So, I asked her why she kept her goals simple. She looked at me and said…”If I cannot follow through these simple goals, how can

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Personal Finance

Celebrate These “Small” Financial Achievements

Do not underestimate the strength of your “small” wins. These are pivotal to tracking incremental achievements and working towards larger goals. You see, most financial goals (e.g., purchasing a flat or saving for retirement) can take a long time to achieve. It can be too intimidating! Breaking your goals into finer pieces can help you visualize your financial path. What’s more? It can motivate you to work harder. #1: MOVING INTO YOUR FIRST FLAT Living alone can be challenging in

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Personal Finance

Benefits of Having A Financial Planner

Financial planning goes beyond the calculated investments. Building a financial plan helps you visualize the “big picture” and set financial goals (i.e., both long-term and short-term). This is a crucial step in mapping out your financial future. And, a financial planner or financial advisor may just help you with that! BENEFIT #1: ENUMERATING ONE’S FINANCIAL GOALS The first step that financial planners partake in is the identification of the client’s financial goals. For couples, this activity is enough to get

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Personal Finance

6 Financial Pledges For The New Year 2018

What are your financial resolutions for the next year? Here are some ideas to get you started. #1: BE DEBT-FREE When it comes to minimizing your debts, it pays to be strategic! You can either conquer a volume of smaller debts or a decent amount of high-interest debts. The important thing is to restructure your debts in order for payments to go towards your principal rather than the interest. #2: CANCEL UNNECESSARY ACCOUNTS Look into your current financial situation. Keep

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Personal Finance

Stop Procrastinating And Start Accomplishing Goal$

One of the greatest English novelists, Charles Dickens, encapsulated the unpleasant prowess of procrastination. His advice was “to never do tomorrow what you can do today. Procrastination is the thief of time.” Procrastination feeds into your weakness by following immediate gratification. You are aware that it affects some areas of your life such as being late for a meeting or missing the billing deadline. However, you might not realize that constantly avoiding responsibilities can cost you money. Start changing your

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