Category: Saving

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....

4

Do you need Overdraft Protections?

Have you heard about “Overdraft”, and “Overdraft Protections”?  Today, I’m going to talk about it.  Why?  I want you to have the knowledge, so you can make a decision that is best, only for you and your family. Overview: If you choose to overdraft, it’s like you start digging a hole for yourself. Then if decide to go for overdraft protections, you are digging yourself deeper and deeper...

8

Wasted food, wasted money

Did you see the Hot Dog Eating Contest on the TV?  The guy ate more than 70 hot dogs, and became the champion. When I saw it, my first impression was:  what a waste of food and money!  Can we donate those hot dogs to the kids in the schools? My second impression was: where are the table manners?  I’m not saying they should use forks and knives...