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Tips, Alerts and Practices on Personal Finance and Retirement Planning

In an easy to follow format, short and brief, providing remarkable learning experience.

Stop Feeling Sorry for Yourself

July 25, 2022
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There are times you feel guilty and sometimes pity yourself, but letting it consume your life will completely affect your life. Everything has a time and a place and you should grief and let go. As what has already happened cannot be changed.  Letting go of this self-defeating behaviour will help you  focus and live …

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Fear of change of identity

July 19, 2022
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Some people make the assumption that “they are what they do for work.” At work you have a title, a schedule and a defined routine. Identifying and refocusing on new interests is the key to coping with the loss of old routines and creating a new sense of purpose. At work, achievement is measured in …

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Adjusting from earning to spending mindset

July 19, 2022
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It is psychologically and financially challenging to adjust from earning to spending mindset. Some consider this as if they exist to only eat particularly if no more cash inflows are coming in. This can be stressful. Some form of more inflows are very helpful.

Retirement timing reality

July 19, 2022
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Did you know that many employees retire before they want to? As per The 2019 Employee Benefit Research Institute (EBRI) survey, close to 50% of retirees left formal employment before their targeted retirement age. This means no one is immune to retire at the targeted age. Therefore, even when you see retirement to be very …

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Take stock of your situation

July 18, 2022
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Consider personal financial review. Get your personal finance dashboard indicators.They will clarify the options you have and the lifestyle it can afford you. The decisions and actions you take based on those indicators can impact you immediately or down the road.

Differentiate between needs & wants

July 18, 2022

Good financial planning requires you to know where, how and when your money comes in and how it gets out (how you earn and spend it). Knowledge and application of budgeting measures can significantly change how you control your money. Know your needs – these are necessities and must-pay- expenses, they include food, shelter and …

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Stop Worrying?

July 18, 2022
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Worrying can make it difficult for anyone to do meaningful work. It can make you feel nervous, restless, fatigued, easily irritable and result into failure to have happiness and enough rest.  

What is the No.1 cause of fear for career change or transition?

July 18, 2022
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It is the Fear of Failure: It breads hesitancy to try out a new career in form of either a new job or starting a new business. Why Fear? To avoid losing current status, regretting decision, in doubt of starting over again, doubting whether you are good enough for the new challenge. 

It's time to Master Personal Finance

Did you know that many employees are financially constrained?

♦ Learn to rationalise your expenses.

♦ How to supplement your income.

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