Whatever you earn – live within your means

Now, that is a no-brainer! Others might even call this a “know-brainer”. Still, I know from personal experience that this principle is not easy to apply; nevertheless, it is worth your utmost attention as it is the key to growing your savings. People are always talking about character,…

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My Background Story

47 years old, three teenage kids, one wife, home since 1997: Singapore After completing my A-levels in Germany, I started on the traditional path in acquiring some skills to earn money.  I did an Industrial Apprenticeship with Siemens.  Then worked, and…

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Optimism

People tend to be optimistic about the future and that is not a bad thing in general.  However, this optimism might easily develop into “wishful thinking”. Too much “wishful thinking” will be harmful to your money.  You might be awful at managing your money when…

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