Welcome to our blog. We publish articles periodically on all things under the sun relating to personal finance: from tips on managing cash, breaking limiting money beliefs, to attracting wealth etc.

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Our intention is to add value by educating and sharing insights from personal experience and knowledge gained.

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Being Happy

Today is 31 Dec 2018. It’s interesting how today went for me. It rained in the afternoon. I was sitting by the window, working on my direction for 2019. There was a light dusting of rain onto me. The getting wet but not-really-wet feel. A cold wind was blowing. I noticed I can’t have one without the other. When I get the wind, I get the rain onto me too. Similar to life, it’s like how there are struggles in life cos it helps us grow. To grow more mature, stronger and wiser. I’ve come to realize Having awareness is priceless. Getting clarity is priceless. Knowing oneself and taking action are priceless So is the ability to build motivation, build resources, these are all priceless & precious

What to do when in debt, stressed out, caught in a vicious cycle and unable to think clearly

Recently Channel News Asia did an episode on how poverty tends to trap people into making poor decisions (link at bottom of article). That, coupled with a recent meetup with someone else in debt prompted this article on how to retain your sanity and tackle debt in a clear-minded way. Step 1 – Take time to breathe Taking deep breathes allows for more oxygen into our body and instantly helps us to relax and clear the mind. When we’re calm, we are able to look at the situation rationally to work on solutions. And it prevents the downward spiral many people inadvertently get into. One good exercise is to do the 5-5-5- method. Inhale for 5 seconds, hold for 5 seconds and exhale for the last 5 sec