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Don’t Under Estimate The $5 Bill
By: Elyssa Sugar
Tags: Millenial Finance, Money Mindset, Money Laundering, Money Management

It’s worth more than you think.

Have you ever thought: What if you saved every single $5 bill I ever received?

If I saved the blue ones (I’m Canadian), I’m sure I’d have enough for the bank to suspect I was laundering.

If I had saved all of those $5, there seemingly wouldn’t be any:

$5 lattes from Starbucks.

2 for $5 chocolate bars.

$5 scratch off lottery tickets.

$5 for fries in the cafeteria when I was 13.

$5 add-on items from Amazon to qualify for free shipping.

Any other extra check out concession products.

I could go on but I want to get to the point quickly.

My parents always told me “save your money because you’ll truly need it one day”.

Today being December 18, 2020 — looking to buy a house in Toronto is that one day.

This year would’ve benefited me greatly by saving all of those $5 bills.

And yet, I cannot say that I would go back and change my behavior.

I enjoyed my 20’s for being able to spend an afternoon with myself parading around downtown Toronto without a care in the world.

I can still taste that $5 green smoothie now which made me feel so chic in the cooler part of the city, Queen St. West.

Today, upon walking my daughter I picked up some Lindt chocolate bars that were on sale: 2 for $5.

To me, Lindt chocolate was totally worth it and helped my mental health as I navigate life with a 5.5 month old baby.

Those chocolate bars hidden crisply in the back of a drawer will be where I go to occasionally when the little one won’t nap or is beyond tears one day.

The $5 will help me get through the day.

The $5 will help me smile more at my husband .

The $5 will help me be my very best self.

Because to me, chocolate is worth multiple $5 bills.

And yes, even a Starbucks latte is worth the $5 to me when I’m craving for some over priced steamed milk and a shot of espresso.

The $5 bill is my vice for when I need an outlet.

I don’t smoke.

I rarely drink anymore.

I don’t shop for big ticket items.

Sometimes the mighty but little $5 is all you need to start seeing the brighter side of things.

What will you spend your $5 on today?
My First Portfolio
By: Amira Hanun
Tags: Ui Ux Design, UI, UI Design, Money Management

This is my first UI design portfolio about money budgeting so let me know your opinion about my design :) thankyou #ui #uidesign
Wishing For Dollars
By: Terry Mansfield
Tags: Investing, Money, Money Management, Poetry, Humor

Wishing For Dollars

I wish I had a dollar for every time

I wished I had a dollar when I was

a kid. And if my wishes had come

true, and I had saved and invested

all those dollars, I could have paid

for lots of stuff when I grew up —

like my entire college education!
Setting a Monthly Budget and Sticking To It
By: Danielle Cara
Tags: Budget, Life Lessons, Money Management

Setting a budget for yourself does take some time. You need to account for your monthly carrying costs and factor in how much you think you will spend on additional items. Some months you may have a special event like a wedding, friend’s birthday, or anniversary where you will have to set aside more disposable income. While budgeting is important, this article is going to talk about how to stick to your budget.

Step 1: Set a reasonable budget

First things first, set a reasonable budget that you can see yourself following each month. If you budget only for rent, utilities, and groceries- that probably is a bit unreasonable. Factor in a rough average of what you typically spend on restaurants, dining, theatre, clothes etc… You should also account for any unexpected purchases like medication, home repairs, or car troubles.

Step 2: You don’t have to say yes to everything

You may have friends or family members who want to order takeout several times a week, eat at a fancy steakhouse, or get front row seats to a concert. I always ask myself “Is there a more budget-friendly option, in which I can still have a good time, but not spend as much money?”. If the answer is no, and you feel that your budget doesn’t have flexible breathing room, there is no problem sitting one night out.

Step 3: Cook at home

I am not saying don’t ever go out to eat again at a restaurant. However, if there is one thing this pandemic has taught me, it’s that there is food at home. Plan out your recipes each week, and buy ingredients at the grocery store you only need. You may pick up a new found love for cooking, and not feel guilty about paying $30 on DoorDash for that $11 burrito at Chipotle next time you are hungry.

Step 4: Shop second hand

Thrift stores such as Value Village, Salvation Army, and Plato’s Closet have both affordable and stylish options to choose from. If you don’t like the idea of wearing hand me downs, try shopping at an outlet store where prices are significantly cheaper. Your peers won’t even be able to tell that the styles are “last season”.

Step 5: Find cheaper alternatives to certain activities

This varies drastically depending on each individual’s lifestyle. For myself, I found the passion for working out at home during Covid-19 when gyms were closed. I found some great trainers on YouTube, bought some equipment, and was ready to roll. This saved me hundreds of dollars a month on expensive workout classes. For others, this could mean having an at home movie night, buying crafts from the dollar store, or going out for a bike ride.
Steps after you save $1000
Tags: Money, Retirement, Money Management

Steps after you save $1000

Figure out how many money you need Compare your progress vs how much you are spending Calculate your savings rate Get rid of bad debt Create emergency fund Roth IRA account: VTI, SPHD (ETF in general), and dividends stocks Take risks

(1,500,000 dollars media to retire for like 30 years, 32,000 per year)
Where’s Your Fearless Girl?
By: Victoria Sexton
Tags: Financial Planning, Women, Financial Freedom, Money Management, Women And Money

Growing up I was fearless. I was that girl who climbed trees in a party dress and had scraped up knees to prove it. I also kept my beloved rock collection in my white patten leather fancy party purse (much to the chagrin of my mother), the one with the makeshift long string in lieu of the busted handle that wore like a cross body rock bag. I was a fearless, badass 7 year old girl and I could do anything.

I wish I could say that always I kept that fearless girl with me, but as I got older my fearless girl faded and it wasn’t until recently that she and I got reacquainted.

It wasn’t until recently that I remembered the wild, fearless girl that I was. It was then that I came to the conclusion that if you’re not living fearless then you’re not really living.

For my entire professional career I’ve worked with money. And I can tell you this, nothing scares people more than taking a look at their money. Many of clients have been women who have experienced a sudden change. A death. A divorce. A reinvention.

Life can get hard, sad, rough, and outright exhausting. And money? It still scares people. But it doesn’t have to be that way. We don’t have to shame and judge ourselves for where we stand financially. After all, we can’t shame ourselves into financial freedom. Are you ready for a better way?

So grab your (7 year old) fearless girl, we have work to do.

— — -

Victoria Sexton is a financial coach, believer in abundance, gratitude and investing in yourself. Victoria helps successful women attain financial freedom. She provides her clients with straight-talk financial coaching, education and strategies that give her clients the confidence to embrace their abundance and take control of their financial future.

Grab her 5 Smart Money Moves For Women. Go to: www.VictoriaSexton.com
Why You Should Start Budgeting.
By: Tatiana Santana
Tags: Beginners Guide, Saving Money, Budget, Money, Money Management

Take a month, you’ll see what I mean…

Take a month before you start your budget, go back on the first of the next month, and put categories down on a sheet as follows:

Gas

Groceries

Bills

Silly Spending

Food out

Go through your statement and add up all of the money in these categories, silly spending is anything you would not die without besides food out, like nicotine, snacks, clothes, etc. You will soon realize how much you spend on everything and if you are anything like me, you will probably get stressed out.
Budgets Don’t Work! Do this Instead
By: Millennial Money Mindset
Tags: Investing, Money, Personal Finance, Money Management, Saving

Educating and Inspiring Better Investing | Author of Millennial Money Mindset: If you want the Fruits you need the Roots and Football Formation Asset Allocation
Stories of Tanggramer 4.0: Always stay with you
Tags: Fintech, Investing, Wealth, Money Management, Group Buy

As the name implies, Stories of Tanggramer is our special edition to tell stories of Tanggram’s customers and merchants all across Australia after they joined Tanggram.

Today the story is about James.

James works in the finance industry. He has been investing in the Tanggram Seed fund for around 5 months and earning stable income every month. One of his repeated sentences is,

“Wealth always stays with me.”

Recently, he has been addicted to Tanggram Group Buy which offers premium selections of products from Tanggram merchants, not only the food, but also services and products that makes life easier and more comfortable.

“Look, I’ve just bought this lamp from Tanggram Group Buy on Black Friday.”

James showed me the picture of this cute aromatherapy lamp on his bedside, “I’m used to adding three drops of essential oils, usually lavender to my aromatherapy lamp every night. The smell is quite nice. And you can also adjust the light to keep it soft and restful.”

During the conversation, James said that he has been working with a lot of pressure lately.

“But…Thanks to this cute lamp, I felt like I was accompanied with warmth and peace.” James smiled.

He loves Tanggram Group Buy because the products and services are reliable and it offers best deals.

“I started to use Group Buy since the second lockdown in Melbourne. It offers such a great price from lots of well-known restaurants such as Wagyu Ya, Tim Ho Wan and Crystal Jade. And now there are also lots of choices on service and electronic products. The best part is that the shopping rewards I earned helped grow my wealth even quicker, imagining how amazing it is that 10% of my daily spending can be invested into my investment accounts every week.” James said.

“Health stays with me. Love stays with me. Wealth stays with me. ”

Tanggram Group Buy

Intro: Tanggram launched the new app feature — Group Buy during the lockdown in Melbourne. Customers are able to purchase the premium selections of products from Tanggram merchants. Tanggram aims to create a simple and refreshing in-app shopping experience and we have helped our users earn thousands of T-Points rewards.

Upcoming events: $5 voucher for Laguna QV Supermarket, Mr Rhino Supermarket & Liquor Store and Foodie Mart.
5 ways how to stop buying unnecessary Christmas presents
By: Edita Paliulionyte
Tags: Money Mindset, Christmas, Budgeting, Money Management, Frugal Lifestyle

Christmas will look and feel very different for all of us this year. The most wonderful time of the year is soon upon us, but let’s not forget the global pandemic is still among us. The economical effects of an extraordinary 2020 have left a mark in our budgets and with Christmas shopping and the winter sales all well underway, consumers around the world will once again overindulge in systematic unplanned purchases which provides little more than a short-term emotional fix. At times like this, it can cause long-term problems, such as regret and debt. Therefore, let’s look at 5 things you can do now to reduce the financial stress in 2021 and void being skint in January.

Work out what can you afford first

Set a realistic budget. Christmas is only for one day- don’t put additional pressure on your family finances in 2021 just for one day. If at any time you are starting to consider how will you fund it — take it as a sign to stop and reconsider.

2. Make the most of the magical time for the little ones and start new low-cost family traditions

Let’s be honest, we try to spoil our children at Christmas with presents they think they want, but don’t really need. It might sound cliché, but the best gifts they can receive are the ones sprinkled with lots of attention, and love.

Consider family walk or drive past the glimmering streets after dark. Many of the houses are decorated with remarkable Christmas displays to be admired. You might wish to spot Santa’s sleigh fly through the stars whist NASA’s international Space Station streaks across the sky. There are a lot of cost - free activities to keep the youngest in the family occupied and entertained.

3. Consider DYI gifts

Whilst we spend a lot of time at home during the current pandemic, why not indulge ourselves in craft activities by making home-made presents for the loved ones. Surprise the ones you care about with low-cost personalized gifts made with love, care, attention.

4. Release others from the obligation of gifting

Very often we feel obliged to give because others are giving to us. I am sure we all gifted someone who was obliged to buy something back or we received something and felt the need to gift in return. Although, we should still buy for close relatives, but we must agree a cut of point for never ending list if friends, relatives and neighbors.

5. If you can’t afford the gifts — don’t buy them.

If you have money in the bank and would like to buy a gift for a loved one — that’s great. For others, if you can’t afford the gifts, don’t and don’t feel guilty about it either.

By ticking the Christmas box and giving the gifts the recipients often don’t need nor want means we are cluttering each other’s houses, spending hard-earned cash and as a result filling landfills. Therefore, let’s all be kind to each other and let’s have a different Christmas without obligations to give unnecessarily, but filled with happiness, laughter and no financial burden in 2021.
EasyPeasyMoney.net…..is LIVE!
By: Kalpen Patel
Tags: Money, Wealth, Budget, Money Management, Motivation

Hi everyone, thank you for coming back to my blog. I hope you found my last blog interesting and useful, where I covered ‘3 Reasons Why You Should Invest In Property.

Normally, my blogs give you bite-sized chunks of information on how you can better manage your finances and make money work for you, instead of you working for it.

Today’s blog is going to be a tad different and in a way much more important than any other blog I have written to date. The reason why, is because I have finally launched the Wealth Building Plan template that I mentioned in ‘3 Ways To Make Budgeting Fun’ back in October!

This template will allow you to build out your income and expenditure for the whole year, so that you know what you can and cannot afford to buy and it will also help you save a lot of money in the process too. It basically, makes money, easy peasy! And the great thing is, that it is FREE! Yes, you read that correctly, it is FREE!!!

Along with this, I have also released an e-book which will not go hand in hand with the Wealth Building Plan template, but will also give you the motivation to save money, spend more wisely and also give you ideas to generate some additional income.

It will also show you the best ways to budget so you don’t spend more than you need to and will allow you to discover a vast variety of methods to help you buy things at a discount, and much, much more!

Both the Wealth Building Plan and e-book will help you better mange your money and get you on your way to financial freedom, quicker! And in the process, will also change your mindset of how you spend and save your valuable income.

So click here to get all this now so that you can start implementing these things for 2021 and make it the best year yet!

Until next time, thank you and stay safe.
Money Management | 8 Golden Rules on Money to Live By
By: The Dreamer
Tags: Money Management, Money Rules, Budget Rule, The Rules Of Money, Money Management Tips

Money is not everything in this world, yet it is a great means to help one achieve certain goals in life. True enough, it may be used to attain evil deeds, but just because money can be used negatively does not make money, in itself, evil. It is the person using the money for wicked purposes or the intention of exploiting the benefits that one may get from it that makes something evil, not the money per see.

Since money is an important element to survive or thrive in this world, it is, therefore, necessary that a person knows certain approaches in handling money. Here are the 8 golden rules on money to live by.

1. Pay yourself first.

Paying yourself first means you prioritize savings or investments without sacrificing your spending on necessary expenses. By paying yourself first, you’re basically allotting cash for yourself, whether that’s into a savings or a retirement account.

2. Live below your means.

Living below your means is a personal financial approach of not spending beyond what you’re earning. While evaluating your spending habits, take the time to separate out your essential needs versus your secondary wants.

3. Avoid debt.

Avoiding debt means keeping away from monetary obligations. The best way to avoid endless pressure from creditors in repaying overdue bills is to not let the bills become overdue in the first place, or better yet, to avoid getting into debt at all (to the extent possible).

4. Build an emergency fund.

An emergency fund is an amount of money set aside for unforeseen expenses. The rule of thumb is to save 3 to 6 months of expenses as an emergency fund.

5. Invest in your health.

Investing in your health means making health a financial priority. Health is one of the most critical components of a person’s well-being, and so it makes sense for people to invest in their health to allow them to live their lives to the fullest for a longer period of time.

6. Save for the future.

Saving for the future is setting aside the money that you earn today so that you can use it in the future. Saving money is crucial to building wealth as well as eventually living a long and financially stable retirement.

7. Make more money.

Making more money simply means having more than one source of income, whether active income, passive income, or a combination of both. This can help you attain your financial goals, live a better life, and help pay off debts on time.

8. Let your money work for you.

Letting your money work for you is having passive streams of income. It pertains to the concept of investing your money in productive assets, and it often takes minimal effort on your part (the investor) once the money is actually invested. Undeniably, money is a component of people’s lives. Thus, being smart in managing one’s finances is vital in keeping track of one’s financial goals and also in having peace of mind.
5 Money Mistakes You Must Avoid
By: Blessing Jimmy
Tags: Money, Personal Finance, Money Management, Finance, Personal Finance Tips

5 Money Mistakes You Must Avoid

5 Money Mistakes You Must Avoid.

When it comes to money, personal finance and even having to manage money, everyone’s ear is perked up, everyone’s interest hits a different gear but then we keep making certain money mistakes that endangers our financial growth.

Let’s get started on the five money mistakes you must, in fact compulsory to avoid to grow financially.

1) Avoid borrowing money to begin a business:

I know that look of “Oh- no! I have grand business ideas and I don’t have the money, what do I do?”

I remember beginning a business on borrowed money, I saw the borrowing as a form of stock buying and an investment by those lending me the money, honestly the business crashed, I was drowning in debt’s pool and had to struggle to pay off so I don’t drown.

Never borrow money that accrues interest or promises to, to begin a business, rather engage in other part time jobs to save up the capital for your business.

2) Never begin spending money you haven’t received. Supposing someone promised to give you money, do not go and buy things on credit hoping to pay off after you receive the promised money. For example, Ben promised to give you $4000, do not go and buy things on credit hoping to pay off when Ben eventually sends in the money. The money may never come and this may leave you in serious trouble with your creditors.

3) Do not hope to save after spending.

Insofar as there is money, there will always be a myriad of things to spend it on. Take out the percentage you want to save from your income once the money comes and spend what’s left. Save first before spending not spend first before saving. For instance, if you want to save 20% of your income, once you’re paid or you’ve made a profit, deduct your 20% first before spending.

4) Never borrow anyone money you are not willing to lose. Let’s face it, we will always have friends who will most likely ask us to lend them money, and when money is involved we know it could ruin friendships especially when debts are not serviced. The rule of thumb is, never borrow any amount of money you’re not willing to lose. Ask yourself, “if this money is not returned will I be fine? Will I still maintain my relationship with this person?” If the answer is no, do not borrow, you could help the person with quarter of the sum he/she is looking for but if your answer is yes, by all means go ahead and borrow.

5) Do not append your signature as a guarantor to someone when you do not have the financial capacity to refund the money. This is loud enough, if the person you are guaranteeing is unable to pay, the bank is coming for you,ask yourself if you can refund the borrowed money before vouching for anyone.

I will stop here today, but take note of these five money mistakes and avoid them to grow financially. I will love to know which money mistake you’re guilty.

I hope you have acquired new knowledge or old knowledge is reemphasized, I hope to see you have a grip over your finances and avoid these money mistakes.
Make Your Money Work For You
By: Tasha Mcglashan
Tags: Robert Kiyosaki, Money Management Tips, Money Management

I challenge you to sit down and write down all your monthly expenses.

Then go over your bank accounts to see where you have spent money for other items for the month.

Now that you know where your money goes each month, you can take back control of your spending.

Dedicate yourself to stop spending unnecessarily and start putting away money so that you can pay off or pay down a debt.

Put every dollar to work.

Money works for you, not the other way around.
7 Financial Goals You Should Reach in Your 20s
By: Manu Djirlic
Tags: Money Mindset, Wealth, Money, Personal Finance, Money Management

Choose the right career path

That goes along with finding out what you want in life. But it is also important to understand how and with whom we want to work.

I deliberately didn’t name this point ‘find a job that you love.’ For me, a job is something temporary. I’m not talking about that. It’s more about discovering what kind of work we want to do in general.

There are a few questions you should ask yourself.

Is there a specific job field I want to work in? How do I want to work? Self-employed, build a business, or as an employer? What should be the purpose of my work?

Let’s look at them in more detail.

Is there a specific job field I want to work in? There are people who decide in the very early stages of their life that they want to pursue careers as doctors or designers. I never had such a dream job. Well, until I got in my 20s. I accidentally stumbled upon programming, and I was hooked.

Maybe you will never find a true passion like that. But you should at least learn what you are good at. Are you more creative or analytical? Are you an introvert or an extrovert? You have to ask yourself a whole lot of questions to find the answer. But it’s worth asking them.

How do I want to work? As I was a kid, I always wanted to work for the state like my dad did his whole life. In my early 20s, many people told me to get into a big company what I then achieved as a student. It wasn’t the right thing for me. Now, I’m working self-employed as a contractor. I couldn’t think of a better way of working for me.

There are also questions that can help you here. Ask yourself if you want to work for others (and enjoy a safer job with less responsibility)? Or do you want to be your own boss and build a product or offer a service? It will take some time and probably some job experience to realize what’s the right way to work for you. So try out a lot of ways to work before you settle for one.

What should be the purpose of my work? I know I write about personal finance, and making money is an important aspect of this. However, at some point in my life, I want to be able to create a non-profit and help others without getting paid. Maybe you want to teach others or just make a lot of money. It doesn’t matter what it is, but you should know what impact you want your work to have. Being a teacher is maybe not the best option when you just want to become rich. But it can be great if you are passionate about teaching people.

Ultimately, you should know what jobs in your life are beneficial to the career you want to have and also be able to stay away from those who are not a good fit for you.
Why Haven’t You Won the Lottery Yet?
By: Shamar M
Tags: Money, Business Strategy, Money Management, World, Europe

Photo by Shane on Unsplash

Me to self: I feel lucky today. I’m going to buy a lottery ticket.

Waits for the lottery draw to come on TV…

Voiceover: And the winning numbers are… absolutely none of yours!

Again? Seriously? When is it my turn?

We all have hopes of winning the lottery. There’s not one person I know that hasn’t bought a ticket and just prayed they could win so they can accomplish all their dreams, no longer be jealous of celebrities, drive the fancy cars, have the clothes, the holidays. It’s an endless list.

As you are now able to purchase tickets online, I find myself looking at the numbers in the morning with fingers, toes, eyes, legs, arms and intestines crossed that it is I who has won and is no longer a slave to the capitalist state.

Oh, I’m wrong every time. We all are. The most I have won is £2.50 and the most I have known anyone even remotely close to me is 30k (this is still a lot of money).

But we want big. We want the jackpot. If we get close it’s not close enough. Why haven’t you won yet?
Unless you’re spending it on assets and things that will bring you more money…
By: Emmanuel A. Anderson
Tags: Financial Planning, Money, Finance, Money Management

“ Spend less than you earn” is a cliche money tip repeated over and over . I must have read it fifty times this year alone in different blog posts.
This is an eye opening question Tim Denning .Thanks for sharing it with us…
By: Emmanuel A. Anderson
Tags: Finance Management, Money, Finance, Money Management

If you were to send money to your family 100 years into the future, what are the options, and which one works the best?
Great financial education.
By: Emmanuel A. Anderson
Tags: Financial Planning, Money, Finance, Money Management

Great financial education. I love it. Write more of this to open the eyes and minds of people on finance Tim Denning . Makes a good read…
Warren Buffett’s Recent Explanation of How Money Now Works Is the Most Important in History
Tags: Takashi Miike, Futebol Brasileiro, Doller, Money Management

The Most Important Lesson On How Money Works From Warren Buffett

This is what Warren said recently about how money works that will test everything you thought you knew about money:

If the world turns into a world where you [governments] can issue more and more money and have negative interest rates over time — I’d have to see it to believe it, but I’ve seen a little bit of it. I’ve been surprised. I’ve been wrong so far. If you can have negative interest rates and pour out money, and incur more and more debt relative to productive capacity, you’d think the world would have discovered it in the first couple of thousand years rather than just coming on it now. We will see. It’s probably the most interesting question I’ve ever seen in economics. Can you keep doing what we’re doing now? The world has been able to do it for now a dozen years or so [since 2008]. We may be facing a period where we’re testing that hypothesis that you can continue it with a lot more force than we’ve tested it before.

This description from Warren about all the free money we’ve all been getting access to because of a health crisis may explain why Warren has sold a lot of his US bank stocks recently.

The influential finance blog Zero Hedge wrote recently that Warren “appears to now be quietly betting against the United States,” because “the famously anti-gold investor has abandoned banks — the backbone of America’s credit-driven economy — in favor of a gold miner.”

A friend said this to me the other day: “Watch what the billionaires do, not what they say.” If Warren’s actions are anything to go by then the record prices in the stock market are something to be very cautious of.

Inflation Is Taking Hold

Inflation is when prices go up and the value of your money decreases. Four dollars last year may have got you a small cup of coffee. That same cup of coffee might cost you $5 this year, as a simple example.

Inflation is a hidden tax on your money.

Warren says, “I’ve been wrong in thinking you could have the developments you’ve had without inflation taking hold.”

Warren has put his firm’s money in gold, and treasury bills which he describes as “a terrible investment over time.” (A treasury bill is an investment where you are essentially lending money to the government.)

So Warren is comfortable putting his money in terrible investments in the short-term because of what he can see in the world of finance. That decision is worth contemplating when thinking about your own money and investments.
The lessons in that book are profound.
By: Emmanuel A. Anderson
Tags: Life, Money, Life Lessons, Money Management

The lessons in that book are profound. I remember after reading it many years ago, some of the lessons in it still influence my financial habits. I don’t spend money without assessing what I’m spending it on if it’s a liability or an asset. Haha…
親子共讀 — 《媽媽的紅沙發》
By: Corrina Chen
Tags: Storytelling, Saving Money, Story For Kids, Money Management, Story For Child

in Go Into The Story
How does Investment impact your Personal & Financial life?
By: Amna Mahmood
Tags: Investment, Money Management, Future Of Work, Finance Management, Monopoly

Within the world of personal investment, new investors aim for great results as quickly as possible while trying to keep the risk of losing money as low as possible. I’m afraid to say this is just not a reality, in fact, an essential part of the investment is that risk and return have a positive correlation, the higher the risk, the greater the returns. The sooner a person learns this fundamental rule, the better.

This isn’t meant to deter one from investing, far from it. Think of life as a game of Monopoly. In Monopoly, your goal is to obtain the most amount of money. You do get $200 every time you complete a round of the board but, that money is the equivalent to your standard monthly paycheck, it’ll most likely be spent on bills or taxes before you get a chance to spend it on yourself. That’s why you have to invest, not only is it the key to success in Monopoly but also in life.

But, whilst playing this investment game called life, one must be smart about their finances. You can’t just go and buy every property you see, you have to be smart about it otherwise you’ll start losing money much faster than you’re earning it.

When it comes to beginning your investment journey, we here at Nurture are ready to help. Not only is our product beginner-friendly, but it’s also extremely easy to use. Now unfortunately there may come a time when you experience a loss, but not to fear Nurture has your back. After a loss when you purchase from one of our partnered retailers, you’ll get a percentage discount on your next purchase, think of it as compensation for your loss.

Nurture’s focus on micro-investment allows us to follow the principle of mindful investment while being beginner-friendly. If you would like to learn more about the ease of micro-investment, its impact on the economy, or how it makes investment easier in general, go ahead and visit www.nurtureinvestments.net, Start your investment journey today with us at Nurture!
親子共讀 — 《星期四小孩》
By: Corrina Chen
Tags: Storytelling, Saving Money, Story For Kids, Money Management, Story For Child

in Go Into The Story
Best Budget Tracker
Tags: Money Management, Budget Organizer, Envelope Budget App, Personal Finance App

Find out how to pay off your debts fast and save more with expert help along the way only with Mvelopes budgeting app. Get access to all of our tools with a quarterly meeting with a economical coach for a long-term plan that works. If you are looking for a best budget tracker for your expense tracking, visit us today!

Email us at — customer.support@mvelopes.com
Introducing Track & Settle Expense feature on KhaaliJeb App
By: Pratham Devang
Tags: Go Dutch, Money Management, Expense Management, Track Spending, Bill Sharing

We are introducing a new feature in the KhaaliJeb App — Record, Track & Settle Expense with friends. With this feature, we are simplifying payments amongst friends. For students and youths, the majority of the payments are group expenses. And it’s a real hassle to manage such expenses. With Group Payments, it becomes a pain to keep a track of who paid how much and to whom and then divide the expenses amongst everyone.

Young Indians can now easily Record, Track, and Settle Expenses with Friends. We have designed this feature considering the Indian way of managing expenses with friends. The UX is super easy. And UI is engaging. By using this Track & Settle feature, anyone can effortlessly settle expenses with friends using UPI.

Giving a shout to all to try out KhaaliJeb’s Track Expense Feature and share your feedback with us.

Checkout the App: https://hfs28.app.goo.gl/web
How I Saved $11k as a Freelancer Using Eco-Friendly Financing
By: Laura Alr
Tags: Money, Money Management, Finance, Sustainability, Freelancing

How I Saved $11k as a Freelancer Using Eco-Friendly Financing

Photo: Ivan Samkov/Pexels

When I think about money, all I ever wanted was control, stability, and growth.

But as a 28-year-old who worked 15 different jobs and is now freelance, my reality was different. In early 2020 I had no savings or retirement funds, no clue about investing, and struggled to pay bills.

I felt uneducated about how to manage money. My parent’s methods were outdated, and it seemed that the country I lived in wanted to make it as difficult as possible for me to be stable.

On a late night in April, I sat with a glass of wine and opened my bank account. The fees, the bills, the emptiness… I did not want my finances to look like that in the next few years. The next day, I went to the bookshop in search of help.

I knew I wanted to create a money-management system that stands by some core values and adapted to the economy — in my best interest. I stumbled into a handful of resources that became my eco-friendly financing system.

Eco-Friendly financing is a management system that offers a way to budget, save, and invest money sustainably using ethical banks.

It was the answer I was looking for. For the month that followed, I turned around my finances with this 5 step process.
The story of soulmates.
Tags: Fun, Zeus, Soulmates, Teens, Love

According to a greek myth, humans were originally created with four arms, four legs, and a head with two faces. These double humans were made out of either both parts male, both parts female, or one-part male and one part female. Fearing the power, Zeus split them into two separate beings, condemning them to spend their lives in search of their other halves. These people were called Soulmates.
Things in your mind you feel can’t be said…
Tags: Teenagers, Fun, Problems, Teens

You know sometimes people ask me “How do you feel” and I feel as people we all come up with the answer “fine” when we are asked that question. Even if we really aren’t, and sometimes we are. But you know..most of the time the answer is a lie. Maybe there will be a day, time, or place when the answer isn’t a lie. The things in your mind you feel can’t be said are mostly because of the judgement that you will receive from other people, but what would happen if no one was ever scared of the feeling of judgement. Would there be peace? Would all the world problems be solved? Because when you really think about it, everything sources from judgement. Everthing. Everyone’s life would be so simple to be honest. Judgement is also the source of anxiety. I bet you never really thought about it like that huh. You may be sad, angry, anxious, nervous, or even happy and all those feelings could be combines and the feeling of judgements would still be there. The feeling of “am I being too much right now…” or the feeling of “man…they must hate me right now.” I know these feelings because that’s all I ever experience. Like today at dinner. My brother brought up the fact that I bite my nails and I immediately felt as if everyone was against me. Or in english when those two girls look at me and laugh. I don’t have friends or anything like that. Just distant ones that stop talking to me after a few days. Nothing is permanent. Nothing. I don’t care who told you things are. They aren’t.

Let’s also talk about the pressure of social media. You do one thing wrong and everyone attacks you. It’s like they can’t realize that you are a living and breathing human being that makes mistakes just like them. Cancel culture is not healthy. It will never be. I don’t know who told people they had the right to tell someone they are “cancelled” but whoever did needs to have a little personality check. Cancelling someone for something they said/did 3 years ago isn’t teaching them a lesson it just making them fear their job. Anyway…lemme stop before I get triggered. lol.
The day my Body Changed to two Colors
By: Juliano Righetto
Tags: Relationships, Real Life, Teens, Humor, Beach

The day my Body Changed to two Colors

I had my first girlfriend at seventeen. We were together for a year and a half, and at that time, all we wanted to do was sex. Of course, we did other things, too… But these things were always an excuse to go to bed sooner or later.

I don’t remember using my brain at this time. Hormones took over me.

On one occasion, my best friend invited us to go to a party on one beach on São Paulo’s North Coast, the state where I live. My friend was a musician and was starting his DJ career, much less common in the eighties. It would be the first party he would work on. I talked to my girlfriend:

ME — We can go to the Mello party, spend the night there, and the next day we go to the beach in Boiçucanga!

SHE — But what time are we going to have sex?

ME — We can sleep in the car… Just find a place isolated enough that we can do whatever we want!

These were our plans.

But it was my brain that came up with the plans… And soon, the hormones came into action.

Instead of going to my friend’s party, we went straight to Boiçucanga, the beach where we would sleep. And we look for somewhere to park the car. I had a Parati at that time; to be very specific, it was the car below:

Photo provided by the Author

As you can see, it was a station wagon, a type of car with a huge trunk. When lowering the rear seats, we had a double bed at our disposal!

So we found an excellent place to park, lowered the seat, and let the hormones take over. We spent the night having fun until it was very late — about four in the morning, I imagine. We were tired; we needed to sleep…

We did it.

Or, at least, we’ve tried to do it.

In a short time, the heat we had generated with our teenage activities, together with breathing in an enclosed space, made the air start to suffocate us.

I opened the glass a crack…

And a swarm of mosquitoes invaded the car!

We had no exciting options. Either we left the glass a little open so that we could breathe, and we died without blood, or we closed the glass and died of suffocation.

This dilemma lasted for several minutes… Until we noticed that the day started to dawn. It was then that I had a brilliant idea:

ME — Let’s sleep on the beach! So the wind won’t let the mosquitoes bite us, and we can breathe!

When the brain took over, it had no good ideas, as you can see…

We did what I thought. We went to the beach, spread out two towels, lay down… And we passed out from sleep.

I was the first to wake up at four in the afternoon.

The beach was full. I imagine that, if this had happened today, we would have been photographed by several people. I got up, dizzy… And I noticed that my girlfriend, who had white skin, was red. I woke her up:

ME — Look at you!!! You’re red!!!

SHE —Look at you!!! You won't believe in your condition!

Well… I tend to tan very quickly. My skin darkens easily. In the photos below, you can get an idea of ​​my “normal” color and my “tan” color:
Top 20 gifts for teens 2021
Tags: Gift Guide, Teenagers, Gifts Ideas, Teens

What are the top 20 gifts for a teen in 2021? Coming from a teen these are some of the top items teens want for gifts. Gifts ranging from prices $2 - $1,000.
The Rarity of a High School Sweetheart
By: Michelle Qing
Tags: High School, Teens, Love, Growing Up

According to the many “reliable” sources on the internet, only two percent of high school relationships last to marriage. How this statistic was determined, I couldn’t tell you, but what I can tell you is that when you keep a few hundred horny teenagers in a building for 4 years, crazy things are bound to happen.

In my experience as a high schooler, I’ve seen relationships form from a 10 year pursued preschool crush to a 2 a.m. “u up?” text. There was even one case where a teacher was interested in a student — but we won’t get into that here. So, with all these relationships forming, how do only two percent survive? If a “high school sweetheart” is something that is so strived for, why don’t people just try harder?

Well, I guess I can say now that I, personally, am in a relationship. And as you have probably predicted by now, it’s with my high school sweetheart. That’s right. Two years, two months, and five days later, my partner and I have successfully graduated high school together and we now both attend Northeastern University. While we aren’t at the marriage stage quite yet, I can tell you so far that maintaining a stable relationship is hard. Especially as two immature 16 year old students struggling to keep up with their school work.

Disregarding the couples that form just to hook-up or those that form solely out of pity (yes, these exist), I’m assuming most couples start dating because there is some sort of mutual interest at first and a later believed potential future. While sometimes relationships seem to run on good morning texts and calling each other “pretty” or “handsome” once in a while, I am here to tell you… well… it kind of is.

The reason only 2% of high school relationships last is not because she “needed time to work on herself” or he “wants to focus on school and sports”. It’s because the daily good morning texts and small statements of admiration eventually become a “hey” and a “oh… you dressed up”. I’m not gonna lie, I was on the giving end of this unfortunate progression before. Especially as an unexperienced and easily distracted teenager, it was easy for me to turn to giving up when things got hard. Lucky for me, my partner knew how to handle me, and we somehow got through it all. For us, the good morning and “you’re beautiful” texts turned into “good morning baby, I hope you slept well” and “wow, you are the most beautiful person I’ve ever seen”.

So, yes. Relationships are hard, especially as a student. To be able to focus all your attention on another person while also keeping up with school work, extra curriculars, and sports, is what you could call an extremely difficult balancing act. And while high school is not the time nor place where someone is required, or even encouraged, to find a significant other, it sure is great to be able to have that experience.

And there we have it folks — the rarity of a high school sweet heart — brought to you by 1/2 of a high school sweetheart couple.
What I Wish I Knew in High School
Tags: What I Wish Id Known, Advice, High School Life, High School, Teens

Now that my time in high school is coming to an end, I find myself looking back at the beginning of my high school career. I’ve learned so much these past four years and now that i’m a senior I feel that I at least have a little knowledge about high school.

First things first, I was NEVER popular in school. Like ever. I was very shy and reserved for most of high school and that’s okay! You don’t need a billion friends. Sure it’s good to be well acquainted with the people in your classes, you won’t be buddy-buddy with everyone. Try to at least know one person or talk to one person in your classes. This can be helpful for partner projects and questions you have on homework or anything. If you don’t know anyone in your class that’s okay, meet someone! I know it sounds scary but I promise they won’t eat you (and if they try to i’m pretty sure that’s illegal). High school isn’t forever, these people you see everyday now probably wont remember you in 10 years.

A good thing about talking to your classmates is that you might make a few friends. Friends are great. They are someone you can go to if you’re feeling down and they can always make you laugh. In my freshman and sophomore years I didn’t have the greatest friends. There was a group of 6 of us going into high school. We would hang out, text, face time, everything. Pretty soon I realized the horrible and toxic ways of some of the other girls in the group. We always had terrible fights and I even got accused of things I didn’t do trying to steal someones boyfriend or of things I never said. Things got pretty bad so two other girls and I decided they weren’t worth it and left the other three.

To this day that was one of the best and hardest decisions of my life. The lesson I learned will stick with me forever: make friends who bring you up instead of putting you down. Your high school friends most likely won’t stick with you forever. You will loose and gain people but in the end you’ll be able to sift out the good ones from the bad ones.

I could go on and on about friends and friendships but that would take forever to read. Let me know if there are any topics you’d like me to talk about or any questions. I’d love to make this into a series. :)
Now I know what your probably thinking… what’s more to know about a teen?. There’s plenty of things to know about a teen , but how about a teen who is wise beyond there years?. Your everyday teen…
Tags: Teens, Beginning Writer, Youngadult

Hi, this is my first post on my page @ItzJazzyTalks. I want to mostly be on here to give people insight , on what it’s like in the mind of this young teen and possibly many other teens.

This post is brief ,I wanted to introduce myself and hopefully gather ideas on what to share. If there’s anything particular you’d like to hear me talk about , please follow for more .