Category: Saving

18

Less is more

I truly believe less is more. Some could argue that, less is less, and more is more.  That’s true, too, from a different perspective. In a more accurate way to say, less on A means more on B.  A and B are mutually exclusive, and there is no intersection (borrowing a math term).  Here are some examples: Less on spending means more on saving. Less on clutter means...

10

Wait, think, and wait before the buy

You can see that, I’m an introvert.  I like to think.  Sometimes probably I think too much.  Many years ago, one of my coworkers was joking about me.  He said: “if you ask Helen what she likes to drink, she would say “Let me think about it””. Today, I like to talk about wait, think, and wait, before you make the purchase decision.  Here I’m mainly referring to...

8

Too busy to manage your money?

Are you too busy to manage your money?  If yes, you are not alone.  I heard it from quite a lot of people, no matter of their background, income, education, etc.  Why is that?  Let’s tackle this issue today. Though money is not the most important asset, it plays a big part in people’s lives.  Nobody can live without money. Nowadays, it seems being busy is the trend. ...

8

Delayed gratification

Delayed gratification or instant gratification?  This is the choice we have to face every day. Nowadays, the vacation has not started yet, the message is already out:  Jane Doe is going to see Asia.  Once she is there, the pictures are like a waterfall: it never stops on the Facebook, Twitter, Instagram, etc. What are you thinking after seeing your friends’ beautiful pictures?  “I wish I were there”,...

9

Living below your means is not easy

It’s well known that, living below your means is the right thing to do.  But, it’s easier said than done. This is my personal story, and I’d like to share it with you. In the spring of 2000, I bought my first house.  The mortgage was the 30-year term, with the fixed rate of 8.25%.  You must be thinking that, it’s insanely high.  You are right.  That was...

10

Sweet tax refund

It’s the tax season again in US.  If you are expecting the sweet tax refund checks, probably you can’t wait to file the tax returns.  Yeah, the tax filing offices are lit up again. The long-forgotten tax accountants are back.  They are smiling, and counting the extra dollars in their pockets.  As the mid April deadline is approaching, they are becoming the most beloved professionals in this country....