• health and well-being - journal - simple life

    Why I Want and Enjoy the Frugal Life

    February 27, 2025 - By 

    Living a frugal life has become one of the most fulfilling decisions I’ve made, and it’s something I’m genuinely grateful for. It has changed me for the better. I may not be the most frugal person out there, but I have learned so much and taken into practice so many frugal habits. I am constantly learning and seeing what frugal and practical actions I can incorporate and fit into my life. When I realized I had to take my finances seriously, I knew I had to change my views and way of life. For most of my life, I was…

  • health and well-being - journal - simple life

    How Your Thoughts Shape Your Actions, and Your Actions Shape Your Results

    February 24, 2025 - By 

    I am a big believer in the power of thoughts and even if it is difficult to stay on the positive side all the time, I encourage myself to see the good side of every challenge. The concept is simple: thoughts become actions and those actions bring results. The relationship between thoughts, actions, and results is a powerful cycle that can either propel you toward your goals or keep you stuck in patterns of unfulfillment. Understanding how your thoughts shape your actions—and, in turn, how those actions determine the results you experience—can be the key to achieving lasting success and…

  • budgets - finance - saving

    Understanding Sinking Funds: A Key to Effective Budgeting and Saving

    February 19, 2025 - By 

    In the beginning of my personal finance journey, I struggled with figuring out how I can save money in a more efficient and effective way. My expenses in personal spending were not consistent throughout the months, so feeling guilt after certain purchases was a common occurrence. However, learning about and understanding sinking funds really changed the game for me. Having sinking funds is the best and easiest technique for increasing your savings and using money wisely. Managing personal finances can be challenging, especially when large expenses are on the horizon. Whether it’s a big home renovation, an annual subscription fee,…

  • finance - health and well-being - investing

    10 Things I Do Not Regret Investing In

    February 11, 2025 - By 

    I love talking about personal finance and learning about how I can spend and save my money wiser. One of the best things to do with your hard-earned money is to invest it. Investing wisely can make all the difference in creating a fulfilling and secure life. Whether it’s for your health, happiness, or future, some investments provide long-lasting benefits that pay off in ways you may not immediately realize. Here are some things I will never regret investing in: HEALTH AND LIFE INSURANCE Health and life insurance provide peace of mind, knowing that you and your loved ones are…

  • journal - saving - simple life

    Frugal Valentine’s Day Gifts and Activities

    February 2, 2025 - By 

    Valentine’s Day is the perfect opportunity to show love and appreciation, but that doesn’t mean you need to spend a fortune to make it memorable. Whether you’re on a tight budget or simply prefer meaningful gestures over expensive gifts, there are countless frugal ways to celebrate the season of love. From heartfelt DIY gifts to creative activities, you can make this Valentine’s Day special without breaking the bank. In this blog, we’ll explore a variety of thoughtful and affordable ideas that will help you celebrate love in the most budget-friendly way possible. Gifts: Activities FINAL THOUGHTS Valentine’s Day is about…

  • investing

    5 Wealths of Life You Should Invest In

    January 31, 2025 - By 

    In life, there is much more to wealth than just financial abundance. True wealth is a combination of factors that contribute to an individual’s well-being, success, and happiness. These factors go beyond mere monetary wealth and extend to personal growth, physical health, social connections, and intellectual abilities. The concept of “The 5 Wealths of Life” refers to five key areas that contribute to a fulfilling and prosperous life: mindset, money, health, skills/knowledge, and relationships. MINDSET: The Foundation of Wealth Mindset is the lens through which we view the world and interpret our experiences. It dictates how we respond to challenges,…

  • finance - journal

    5 Money Mistakes I Made in my Personal Finance Journey

    January 28, 2025 - By 

    In the beginning, there was just a girl working her corporate job, excited to receive her first salary and conquer the world. However, along the way of making herself financially better, she made some financial mistakes. Although those mistakes did not financially ruin her, she definitely learned a few lessons along the way. Yes, that girl was me and as a sequel of 10 Most Common Money Mistakes You Must Avoid, these are my money mistakes: Lending money to people I sensed would not pay me back. Trust your gut. That is all I can say when it comes to…

  • budgets - finance - investing - saving

    How to Move On from Money Mistakes: Overcoming and Avoiding Financial Setbacks

    January 24, 2025 - By 

    We’ve all made financial mistakes at some point. Whether it’s overspending, accumulating debt, or neglecting to save, these errors can be frustrating and disheartening. However, the key to improving your financial situation is not to dwell on past mistakes but to learn from them and take proactive steps to recover. In this article, we will discuss how to get over or move on from money mistakes, providing actionable steps to help you regain control of your finances and build a secure future. Financial mistakes are an inevitable part of life, but they don’t define your financial future. The most important…

  • finance - saving

    10 Most Common Money Mistakes You Must Avoid

    January 21, 2025 - By 

    When you start your personal finance journey, you need to do your research and be vigilant in order to avoid financial mistakes. Making the decision to take your finances seriously and begin your personal finance journey will come with its ups and downs, so it’s best to stay informed and prepared. Let’s start with some common financial mistakes that can come along your way. WHAT ARE MONEY MISTAKES? Money mistakes are the poor and uninformed decisions you might commit when handling your finances. These can negatively impact your financial health and in the long run, create financial struggles such as…

  • finance

    When and How to Use Your Emergency Fund: A Guide to Smart Financial Decisions

    January 17, 2025 - By 

    An emergency fund is one of the most essential components of a sound financial plan. It provides a financial safety net that can help you navigate unexpected expenses or temporary loss of income without derailing your financial stability. However, knowing when and how to use your emergency fund is just as important as having one in the first place. While it’s tempting to dip into it for various needs, using your emergency fund incorrectly or too often can leave you financially vulnerable when a real crisis occurs. In this post, we will be discussing: When can you use your Emergency…