Create Financial Joy
Does Making Money Less Real Change Your Behaviour? How real is money in your world today? As a dad with young children, I am finding my children’s interaction with money very revealing. Our children play a game of identifying various car brands whenever we go for a drive. The other day, Elias said to me:… Read more
How To Improve A Poor Credit Score To 800+ For Good When I went to biz school, I recall one of my professors always said: “Money flows from one place to another looking for where it will get looked after”. What he meant was that money moves around and tends to stay where it is… Read more
PERSPECTIVES: Stop Hating Your Debt and Start Building Wealth We are back to our series called PERSPECTIVES, with a focus on gathering real-life perspectives to help shed further realities on the subject of money. This series is aimed at offering deep insight whilst also inspiring and encouraging our readers to get better with money and ultimately… Read more
5 Ways To Motivate Yourself To Budget Consistently “Success is neither magical nor mysterious. Success is the natural consequence of consistently applying basic fundamentals” – E. James Rohn. Consistency is closely related to perseverance, an important quality for doing the money journey well. The above quote closely captures my exact thoughts when I think about… Read more
READER CASE STUDIES: What Should I Do With My Savings? Welcome to the 3rd Reader Case Studies on The Humble Penny. The goal of these case studies is to solve real problems. If you’re new this, the case studies are a way for me to better interact with the subscribers of this blog. I refer… Read more
Why Saving Money Should Be Prioritised Over Investing Think of saving money as the fight that you must win. Like going to battle and fighting at the front lines. One of my favourite films of all time is Gladiator (with Russell Crowe aka Maximus). Not only is it beautifully made, but it is also hugely… Read more
5 Investing Rules You Should Consider Breaking Rules are there to be broken, surely right? What I am referring to here is the need to go against conventional norms now and again. There are certain investing “rules” that have been passed down over time, some of which I definitely break from time to time. In… Read more
How To Get Your Kids Interested In Money Management Children? Interested in money? Yep, it doesn’t sound very easy – and yet it is so important. The earlier they understand money the more they’ll be in control in the future. Our education is missing a big chunk of financial education, so now it’s our… Read more
How To Pay Off Your Mortgage Early and Why If you have decided to pay off your mortgage earlier, congratulations! There will always be an ongoing debate about whether it makes sense to pay it off earlier or invest your money instead. The majority of personal finance bloggers will tell you that investing your money… Read more
10 Reasons Why People Spend More Than They Earn One reason why millions of people have no margin in their lives is that they spend more than they earn. You’d think it’s quite easy and common sense to spend within one’s means. However, the forces at play are often greater than might seem obvious to… Read more
