Build wealth. Love your life
Start by understanding your financial situation. List all debts, their interest rates, and monthly payments. This helps visualize your overall debt. Next, prioritize. High-interest debts generally need to be paid first. However, the “snowball method” recommends paying the smallest debts first for motivational boosts. Thirdly, create a budget. Allocate…
Paying off debt delivers instant peace of mind and long-term financial freedom. It reduces stress, improves credit scores, and increases disposable income. Freedom from monthly payments provides flexibility for unexpected expenses. In the long run, debt elimination fosters wealth accumulation. It allows money previously sucked by interest to be…
In hard times, it’s tempting to ignore paying off debt. However, prioritizing debt repayment is crucial for four reasons. Firstly, debt can snowball, with interest and penalties. This makes it increasingly difficult to regain financial stability. Secondly, unpaid debt damages your credit score, restricting access to favourable loan terms…
When I told a friend my husband corrected a fault plaguing my site that two professionals failed to identify, he asked: ‘Would it be better if your husband builds web-sites instead of working on this long term project of his?’ My husband did consulting jobs hard to get and stressful…
We live in societies of over consumption and consume to offset the consequences of over consumption. Don’t believe me? How much did you eat today? Did you go to the gym to work out these extra calories? Did you drive to the gym? Told you so! This reminded me of…
We hear a lot about strategy, lately. Everyone I know seems to be ‘strategising’, the organisation I work for has a strategy and most company websites greet you with a strategy. Getting to the core of it, these strategies amount to little more than wish lists and/or road maps….
Performing at job interviews is what does it. I conducted many interviews and noticed that people make two simple mistakes. First, they impress the interviewers by obviously talking themselves up. Not impressive: employers are not interested in how great you are; they are interested in how well you could do…
In our drive to become efficient and achieve more we make lists. We keep these separate: we have a list for our grocery shopping; a list for our long, short and medium term goals; a list for our daily tasks. Some keep lists of the movies they have seen and…
When deciding on action and considering our future we often ask ‘what’ questions. ‘What shall I do?’; ‘What will happen?’; ‘What does the future hold?’ Asking these questions we may forget that, with very few exceptions, we can do anything, anything could happen and the future is a mystery. Asking…
Marx’s eleventh thesis on Feuerbach states: ‘philosophers have only interpreted the world; the point is to change it.’ It seems to me that this is very significant and applicable not only to society and economy, but also to our mundane everyday lives. I often hear myself asking ‘why did you…
Being a parent can be a daunting experience. Most parents worry most of the time about whether they are doing ‘the right thing’. Like in other areas of life we tend to worry about the wrong thing. I agree with Umberto Eco who said that all children start their life…
People often have problems balancing life and work. Working long hours, even when we enjoy what we do, is proven to damage our health; this also means that ‘our labour can’t reproduce itself’. Put simply, we have no time to rest and we have no time to brush up on,…