Investing And Financial Freedom Does Not Involve Sacrifice

Of course investing and pursuing financial freedom involves sacrifice. Right? Personally I think that mindset is counter-productive. For one, it's focusing on the wrong thing, but - primarily -  also because it's not true.
Well, that's just stupid isn't it? Of course investing and pursuing financial freedom involves sacrifice!

You're skipping that grande mocha frap to save money. You're not buying that latest smartphone model so you can buy more stocks. Eating out at restaurants has become a rare occurrence, replaced instead by DVD marathons at home. You carefully make a list and buy in bulk, excluding most if not all guilty pleasures. All in an effort to lower your expenses so you can allot more for the mutual fund you're building up as a retirement fund.

How can that not be sacrificing?

Credit Card Tactics - Part 3: How To Maximize Your Credit Card

Credit Card Tactics - Part 3: ways to maximize credit cards without spending more or getting buried in debt.
Even if we're responsibly using our credit card, there's still a little room for us to squeeze some savings or make some money. Ways that may not be available if we were using cash.

However, they're not easy and there's limited opportunity to take advantage of them. I'm sharing them so that it can get people thinking, and perhaps share other ways to maximize credit cards without spending more or getting buried in debt.

Announcing: The Super Savings Guide!

Announcing: The Super Savings Guide! A collection of every savings tip I know. Free for all my email subscribers.

I've compiled every savings tip I know into this book and it's free for all my email subscribers!

Credit Card Tactics - Part 2: How To Choose The Right Credit Card For You

Credit Card Tactics - Part 2: How To Choose The Right Credit Card For You. If you really want to be wise about your finances, you should choose the credit card that suits your (responsible) spending habits.
While there are numerous stories of people getting buried in debt due to usurious credit card fees and interests, there are also a lot of people who don't suffer the same fate.

I myself was afraid of getting one at first. But when I did, I eventually learned that if you handle it properly and spend responsibly, it can bring you convenience without suffering penalties and harassment from collection agencies.

But even if you already know how to handle it properly, there's still the matter of choosing the credit card that's right for you.

But a credit card is a credit card right? Well, no...

If you really want to be wise about your finances, you should choose the credit card that suits your (responsible) spending habits.

Credit Card Tactics - Part 1: How Not To Get Buried In Debt

Credit Card Tactics - Part 1: How Not To Get Buried In Debt. I know a lot of people are wary of credit cards, I felt the same way myself at first. But after a while, I discovered it's not so bad if you use it wisely. In fact, lately I've been optimizing the use of my credit card. And in this series of posts, I'll share everything I've learned and thought about. In this first part, we'll discuss the most basic tactic: how not to get buried in credit card debt.
I know a lot of people are wary of credit cards, I felt the same way myself at first. But after a while, I discovered it's not so bad if you use it wisely. In fact, lately I've been optimizing the use of my credit card.

And in this series of posts, I'll share everything I've learned and thought about.

If we all operate from knowledge rather than fear (or ignorance in some cases), there's a lot we can take advantage of. My hope is for everyone who reads this series to start thinking a little differently about their use of money.

Protect Yourself From Identity Theft

Steps to protect yourself from identity theft; how to protect your physical documents and ID and protect your electronic or online information. And what to do if you lost your credit card, lost your SSS Id' lost your driver's license or lost your atm card.
It's often been said that we live in the information age. And true enough, a lot of things can be done electronically and/or online.

Unfortunately that opens us also to an additional threat - there's now more opportunity to lose our money when someone pretends to be us. With the right pieces of key information, it's possible for someone to access our accounts and money.

So In this post I'll be sharing some tips to help protect yourself from identity theft.

Staycation Feast: Make Your Own Pizza!

Staycation recipes - Save money and make your own pizza
A lot of us go on staycations to save or to avoid the hassle of going out. But of course, that doesn't automatically mean we're going to skip the good foods we like. And for those of us who like pizzas, the choice comes down to either having pizza delivered to us or going out and buying it ourselves.

But did you know you can actually make your own pizza? Well, if you really like pizza, you probably already knew that already. But for those who didn't already know, I'm going to share a quick, inexpensive way to make and enjoy your own pizza.

Investment Lessons From A Boardgame


Investment Lessons From A Boardgame - or what I learned from playing Risk: Take risks, but balance it with the right amount of caution and focus on one thing at a time.
Lately I've been playing a lot of Add-venture - a Risk-clone game - on my mobile phone. At first I could only defeat 1 computer opponent on an easy setting. Then I realized I needed to play more offense and be aggressive. This enabled me to defeat opponents on advanced difficulty.

But to defeat 'intelligent' opponents, I realized I needed to be more careful in guarding my territories.

And to defeat multiple 'intelligent' opponents I needed to start small and not take on more territory than I can hold. I also needed to be more judicious in my moves. I couldn't just conquer the next territory. I had to amass forces first. I had to set it up. I had to see my opponent's possible next moves.

And over time I realized that a lot of these behavior apply to investing (and probably business too).

Why I Don't Like Variable Universal Life (VUL) Insurance

Why I Don't Like Variable Universal Life (VUL) Insurance. VUL is a sub-optimal investment which benefits the provider more than the customer. It might seem like a 2-for-1 deal. But it's really a 2-for-2 deal. You can do better by getting a term life insurance and investing the difference in a high-performing mutual fund or UITF.
I personally don't like VULs (Variable Universal Life Insurance) because I see it as a sub-optimal investment which benefits the provider more than the customer.