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Are you really saving money when you are pinching pennies? I certainly do not think so. Many people have mistaken that by pinching pennies, they are being frugal and saving money. However, I think that is certainly not the case and by pinching pennies, you may be wasting more money instead.

There are people who can scout the mall for the best deal by visiting every store available before making their decision. It is smart to find out various deals before making your decision, as it can let you have a feel of the market and available offers. However, you may not be saving money when you took into account of the time and effort you spent searching for the best deal.

Saving A Few Dollars On A Movie Ticket

There was once when I saw one of my friends trying to save a few bucks for a movie ticket. To save a few bucks, he decided to commute for an hour and a half to an old cinema for a movie. Back and forth, it would have taken him 2 to 3 hours of commuting time. On top of that, the cinema is in a rundown condition and it certainly cannot provide him with a very pleasant movie experience.

He might have thought that he had saved a few bucks but in my opinion, he does not.

Spending a total of 2 hours plus to 3 hours of commuting time to a rundown cinema for a movie does not seems to be saving money to me. What about the transport fees? What about the value of your time? What about the overall movie experience?

If you take the cost of transport fees, the value of your time (how much are you earning per hour?) and the overall experience of the movie experience, the pennies you pinch is costing you more instead.

Think About Value, Not Price

Being frugal isn’t about pinching pennies, it is about being smart and getting the best value out of the price that you pay. Let us look at an example here; compare a G2000 shirt that cost $59 and a shirt that cost $29 that you get from some neighborhood store.

If the shirt is of the same quality than getting the $29 shirt is definitely the right choice. But what if the quality of the $59 G2000 shirt is way better than the $29 shirt that you got from the neighborhood store? Which means it looks better and last longer. On top of that, it looks good on you and makes you feel like a million bucks.

The value you will get out from the $59 G2000 shirt is much more than the $29 shirt and suddenly it is not wise for you save the $30 bucks anymore. Paying the additional $30 bucks for the benefits seems to be a much wiser and a more frugal decision.

Be Frugal, But Be Smart

Do not mix up being frugal with pinching pennies and losing value. Look beyond the price and see the value you are getting. It makes more sense to pay more to get more value rather than pinching pennies sometimes. Being frugal is a great habit to have and it can help you to accumulate wealth. The next time when you want to pinch pennies and be frugal, think about the value you are getting to help you make your decision.

Vincent
Frugal Living

Post from: Health Money Success

Are You Saving Pennies And Losing Dollars? – Save Money By Being Smart

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Warren Buffett is one of the world’s richest men and he is also one of the best investors in the world. He built up Berkshire Hathaway (a company whose share costs $100,000 per share) from scratch and he became a billionaire through investing alone.

I know that Warren Buffett is someone that I need to learn from if I want to become an excellent investor. I had read countless of his books, learning from the investment moves he made and also his yearly annual report. I had picked up valuable lessons from him and these lessons will definitely be useful to you as it can help you to grow your personal funds instead of seeing it dwindling.

So here are the 5 lessons I had picked up from him.

5 Personal Finance Lessons That Will Help You Grow Your Wealth

1. Spend wisely

Warren Buffett does not have a habit to splurge his money on toys such as big cars or fancy houses. Right now, he still lives in the same 5 bedroom apartment that he bought in 1957. He definitely has the capability (billionaire) to buy any toys he wants, but he simply chose to invest in the money instead.

He is not stingy about money, but he have the habit of thinking how much he will be losing out if he does not spend his money wisely. Because he believe in the power of investing and compounding, he knows that for every dollar spend foolishly, he will be losing the money for investment which he can make at least 20% return annually.

Lesson: Spend your money wisely and do not splurge on toys excessively.

2. No one will care about your money as much as you do.

Throughout his investing years, Warren Buffett does not let anyone handle his money. He checks up individual stocks by himself and makes the decision whether to buy or not.

If you allow other people (financial adviser, financial manager, stock broker) to handle your money, you will need to be aware of whether they are acting for your best benefit or theirs. Most of them have commissions for each investment that you made and sometimes they simply have too much customers on hand that they can’t pay attention to you.

Simply said, they don’t care about your money as much as you do.

Lessons learned: Invest in your financial education. Others do not care about your money as much as you do.

3. Know what you are doing

There are lots of financial instruments out there that promises you high returns in short period of time. Before you dive into them, ensure that you know what they are before buying. Most people trust others to make this decision (refer to point number 2) and they end up losing their money over their poor investment decision.

It is tempting to earn money in short amount of time but do put in the effort to know what you are going into before buying. There are many people who had incurred huge losses in the recent credit crisis because they do not know what they are buying and they ended up buying junks.

Lessons learned: Always know what you are doing when investing and remember to read the fine prints.

4. Risk of investing

Many people have fears that hold them back from investing. They think that it is risky to invest. Their mind is filled with the fear of risk and losing money, hence they are always on the side line while others are earning money investing.

You need to know the truth. It is riskier for you to place your money in the bank. For the measly interest rate that they are giving you, each dollar you put in is losing money immediately due to the inflation rate. Think about the price of a cup of coffee in the past and Starbucks now.

As Warren Buffett says, “Risk comes from not knowing what you are doing.”

Lesson learned: Overcome your fear of risk in investing. Investing is the only way you can beat the rate of inflation.

5. Think long term

Too many people overestimate what they can achieve in one year and underestimate what they can achieve in ten. Stop looking for ways to get rich quick and start investing now. When you are investing, always keep in mind that it pays to invest long term instead of switching around stocks.

Warren Buffett personally holds his stocks forever if he found a gem. Buying and selling stocks frequently will cost you admin charges and the commissions you have to pay to the stock broker.

“Life is like a snowball. The important thing is finding wet snow and a really long hill.” ~ Warren Buffett

I would like to change this quote a little. Investing is just like a snowball. The important thing is finding wet snow (great investments) and a really long hill (long term).

Lesson learned: It pays to invest early and holds on to your stock.

So do you have any other personal finance lessons that you want to share with me? I look forward to your comments and feedback.

Cheers,
Vincent

Post from: Health Money Success

5 Personal Finance Lessons I Had Picked Up From Warren Buffett That Can Help You Grow Your Wealth and Be Rich

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Have you noticed this? The bankers normally refuse to lend you any money when you need it desperately but they will go right to your doorsteps to offer you money (loan) when you are rich (you don’t need the money now). Why is it so? It is because bankers only offer to lend you money when they think that you are qualified (able to repay the loan).

Some people may find it weird and think that why the banks only lend money to people who don’t need the money (the rich), and just refuse to lend it to those who need it urgently. But this is just how the banks work; they only lend money to those who are qualified by their standards so that they can earn profits through the interest.

This applies in our life too. In order to play our game at a higher level, we will need to qualify for it as well. There will be people who complain about life saying that they don’t have the money, time or network to help them get the success or money that they want. But if all they do is complain, they will be stuck at the “lower level”.

It is definitely easier to earn more money when we have the right people or capital to help us along the way. But the issue is this network or capital will not just appear right in front of your face. You will need to qualify for it.

As you can see in the above diagram, the line is kind of stagnant and going upwards slowly but once it reaches the turning point, the growth is exponential. The turning point is the point when you hit the qualified bracket and you have access to all the resources that you need to push for results.

For people who whine and complain about their lack (lack of money, time, skills, experience or money), they are usually caught in a limbo state just right around the starting point of the line. The point I want to drive home here is that instead of complaining that you lack the resources to succeed, put in the effort and time to move forward slowly until you hit the point where you are in the qualified bracket.

It is only once you are in the qualified bracket, you are granted access to the valuable resources (great network, capital, expertise of others) where all the other successful people in your field have.

Nobody is willing to work with someone who has not yet proven themselves. Put in your hard work and crawl to the point where others had seen you effort and results and decided to help you in your journey.

It is going to be a struggle before the turning point but once you reach the turning point, things get easier and you will find yourself playing in the higher levels with abundance of resources. This is why bankers go to Microsoft and while others go to the banker.

To your success,
Vincent

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Most people have trouble in consistency and persisting in the things they do and they just give up because it is hard. What they don’t know is that if they are consistent and persistent in their action, the power of compounding will help them to make things easier and easier for them.

I was first introduced to the law of compounding when I was reading a book on how Warren Buffett amassed such a great fortune. He basically make great investment choices and let it compound year over year. That is how he becomes a billionaire in the process.

What you need to know about compounding

So what does compounding got to do with our life? The focus is not on investment here. I’m going to talk about the difference it will make if you allow your effort to compound. But first of all, let me show you an example of compounding interest.

Person A
Did not take out a single penny from his investments.

Notice how the returns increase every year? Every single year the compounding effect took place and allow the investment to snowball into greater earnings. As the compounding effect goes on, it seems like making money is easier and easier for person A.

Person B
Took out his returns every year.

You can see that person B did not use the law of compounding to his benefit. By taking out his returns every single year and spending it, his earnings are stagnant and it does not have the snowball effect. By preventing compounding to happen, making money seems harder to person B.

Lessons

Consistency

If you have consistency and takes action everyday, you are just like person A. The action you took everyday will compound and finally become a huge snowball that makes things that are difficult at first seems much easier in the later stages.

If you are not consistent, you are like person B who always takes out his earnings every year. Every day when you decide that you will miss your work out or stop writing or marketing for your blog, you take out some of your “earnings”. Which means you are weakening the compounding effect.

It is just like running a blog. If you take action and write content and market your blog daily(consistency), you will reach a point where you do not need to put in so much effort to gain new subscribers and traffic(compounding effect). Ask any great bloggers out there when is their most difficult time and most of them will tell you that it is the starting part that is always the most difficult. It is because the compounding effect is not there to help them make things easier.

Persistency

What happens if person B gives up investing at the 5 year mark? His earnings will be much worse as compared to person A. In order to make things work, you will need to have the persistency to keep going no matter what.

I can see that there are a lot of people trying to make money online or start their work out with the aim of getting that washboard abs. However most of them gave up at the starting to middle phase. That is because things seems to be hard for them at that phase and it is human nature to avoid suffering.

One thing you should take note is that giving up is the only way that you will not reach the finishing line. It doesn’t matter if you sprint or walk, by just not giving up you will reach the finish line for sure.

Let me share with you one of my favorite quote by Confucius.

It does not matter how slowly you go as long as you do not stop.
Confucius

Are you using the power of compounding to your advantage? Are you regularly taking out your “earnings” and rob them of the chance to snow ball into something bigger?

Vincent
Fan Of Compounding Effect

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Myths About Being Rich

When I say the word millionaire, what pops up in your mind? I believe that you must be thinking that a millionaire must own a yacht and, live in some mansion and even drive a Ferrari. I believe that the media had influenced us to have all this mental images in when we think about millionaires, but it is not 100% true.

Most of the self made millionaire are actually frugal and they do not splurge their hard earned money on liabilities. Instead, they protect their capital and also invest it intelligently to make their money work for them instead of them working for the money.

In my pursuit of being wealthy, I am observing closely how the rich behave and what are their money habits. By observing their behavior, we can unlock the mystery of why the rich get richer and the poor get poorer.

The Poor Man Way Of Spending Money

The first thing when a poor man get his salary is thinking what he can spend his salary on to get instant gratification and it is a drastic difference from how a rich man spend his money.

The poor spend their money that they earn on liabilities instead of assets. Liabilities are things that take money out of your pocket and some examples would be the 42 inch LCD TV, home theater set or the Gucci handbags. Once the money are spent on liabilities, it is gone and the there will not be any opportunity of utilizing the money to make it work for them. This is why the poor get poorer.

The Rich Man Way Of Spending Money

How about the rich man way of spending money? When they have the money, they do not seek instant gratification and get themselves a Ferrari. Instead they are doing it the other way round. They constantly seek out assets that will help to grow their wealth.

This is the big difference between the rich and the poor. They always pay themselves first and are always finding ways to create passive income. If they keep spending their money on assets that help them to grow their wealth, they can only get wealthier and wealthier.

My Story

I was consistently broke in the past because of my poor money habits. I splurge on liabilities instead of assets and I can remember that my savings was always near the zero mark. It was until one day that I was so fed up of myself and my bank account that I begin to take action.

I started to read up books on personal development and finance and spend lots of time researching on how to become wealthy. Having done my research and equipped with my new knowledge, I begin to create budgets, track my expenses and got myself into the world of investing.

Gradually I can see my savings increase and it makes me just more thirsty for knowledge to increase my wealth.

I am seeing my friends splurging on night clubs, booze, LCD TVs and many other liabilities and it is definitely not the way I want to be like. Instead, I was slowly picking up assets like stocks and educating myself in personal finance, all this for the sake of financial freedom, because I know how much it hurts to stick to a 9 – 5 job and how valuable freedom is.

Parting Words

Start today, pay attention to what you are buying and minimize spending on liabilities. If you have debts, make a plan to clear off you debts first before the interest actually eat you up. Whenever you get your salary, make it a habit to pay yourself first and make it a consistent contribution of at least 10% of your salary into your savings account.

Having 2 bank accounts really help here. Allocate one for spending and another for savings. Make sure you do not touch your savings account and you can see it grow.

Spending your money on personal education is important as education is an asset that will increase your wealth . People can take away your physical assets but there is no way to take your knowledge away from you. Do not think that education is expensive because ignorance is even more costly. Start to invest in seminars and books to improve your financial literacy and see your money in the bank account grow.

Last but not least, take action. With all the knowledge in the world, without taking action, acquiring knowledge is just a waste of effort.

Cheers
Vincent
Personal Development Blogger

**P.S**Do you track your expenses? Do you have frugal habits? Share with us about some of the ways you use to track your expenses. See you in the comment section.

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Myths of a Millionaire

Think of a millionaire lifestyle now. So what did you think of? Super cars? Fancy restaurants? Or owning an island?

Whenever we think of a millionaire, images of them driving super cars, dining at the finest restaurants or owning the huge property with a castle built on it are generated in our mind. Yet how much truth are there in these pictures? I believe the media and fairy tales have shown us too much false images of the guys in the “Super Rich Club”.

Research has shown otherwise. 80 percent of the millionaires generated their wealth in one generation and on average, millionaires live a decent lifestyle instead of the luxurious lifestyle that we thought of. Most of the millionaires are frugal and they may be driving a normal 1.6L car instead of a Ferrari.

Case Study: Warren Buffett VS Michael Jackson

Warren Buffett

Warren Buffett is one of the world’s richest man and he is unique among the billionaires as he generate his wealth purely by investing.

Buffett is extremely frugal and is always protecting his capital. He buy clothes off the rack instead of having it tailor make and drive his own car instead of having a chauffeur. He is still living in the same house he bought 50 years ago for $31,500.

He is a classic example and role model for us to follow in order for us to become a millionaire.

Michael Jackson

Michael Jackson is one of the most famous people in the world and he make a great name for himself in the music industry. He has made millions and splurged millions.

He once spent $6 million in a single store(I’m really curious what he really bought there) and he live an extravagant lifestyle. He bought a piece of land near Santa  Ynez, California and built Neverland Ranch which consist of Ferris wheels, movie theater and an exotic menagerie at a cost of $17 million.

He got into some financial issues and ran up debts by millions. Neverland Ranch was closed as a cost cutting measure in the end.

He is a great star with great talents, what let him down is his poor financial management skills.

Lessons

First of all, we had debunked the myth of millionaires must live in big houses and have chauffeurs driving them around. We can see that Buffett simple lifestyle got him to where he is today so choosing him as your role model isn’t a bad choice.

In Michael Jackson’s case, we can see that the false image of millionaire is doing him more harm than good. Splurging, extravagant lifestyles and not making profitable investments are the reasons for his downfall.

8 Habits of a Millionaire

1. Frugal lifestyle – In order to grow our wealth, we need to make sure that we are thrifty and not spending more than what we earn. If we are making $5000 per month and spending $10,000 per month, how is it possible to accumulate wealth? It is just like a pail with a hole and water is leaking non stop!

2. Cut off debt – Try your best not to get in debt but if you are in debt now, do your best to clear them up before the interest devour you. As we know compounding interest can help us earn great money but if the interest is growing in debt and going against you instead, it can be fatal.

3. Delayed Gratification – Most of the people cannot get rich because instant gratification always caught up to them. They want to enjoy the benefits now instead of having the patience to wait for future benefits. As a result, they splurged their money on things like cars and designer bags that give them instant gratification. If you are able to fight off your need of instant gratification and have a greater patience for future benefits, money will multiply into a great fortune sooner than late.

4. Being responsible – How well your wealth grow depends on you. It does not depends on your boss or others. Taking charge of your life and change the circumstances in your life if you need to. Be responsible for you own wealth and take 100 percent responsibility for it. You can complain and whine about not being in the “lucky sperm club” that are born with a golden spoon in the mouth, but that is not going to help.

5. Love and respect money – Some people tend to have a bad impression about money, with terms such as “money is the root of all evil.” I believe in the opposite instead. I believe that the lack of money is the root of all evil. So many times tragedies happened because of the lack of money. There will be people who also think that being rich will bring them lots of problems but even if you are poor, you are facing problems too, so why not face problems with a fat wallet instead?

6. Invest in yourself - Keep learning and always be willing to invest in yourself. Only by keep on learning and improving, you can then provide more value which means getting better money. Why the master always earn more than the apprentice? It is due to the difference in education and experience.

7. Be proactive – Proactive people tends to make things happen. If there are no opportunities for proactive people to make money, they will go and create their own opportunities. By far, I believe this is a very powerful attribute to have as being proactive can help to overcome any obstacles in life. Reactive people are always waiting for things to happen to them and they have no control in their life. **Note: Things rarely happen for reactive people.

8. Habit of doing more – By doing more than you are expected to, you will slowly gain recognition for your ability and you will find that there are going to be more opportunities that comes knocking on your door. If you have a $5000 sales target to hit and you are always giving in $10,000 sales figure. What do you think will happen? Your boss will recognize your talent and you can expect to be the first to get the pay rise rather than your colleagues that are doing just fine. Even if your boss did not recognize your effort, I believe that other companies does!

Do you have any other traits that you think millionaires should have? What are the traits that you possess now and what are the traits that you wish to acquire? Remember to share your thoughts at the comments section.

Cheers
Vincent
Personal Development Blogger

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Post from: Health Money Success

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A classic book on wealth by George S.Clason. This book is written in a fascinating and informative story format that is easy to read and understand. The ideas are so simple that you will scratch your head and wonder why you did not apply the useful theories in your life before?

If you follow the ideas that are written in the book, you are guaranteed a road to happiness and prosperity. So here goes the cures of the lean purse!

1. First Cure. Start the purse to fattening.

Do you spend all the money you received every month? People struggle in life and complained that life is hard because the boss is not paying them enough money to keep food on the table. So why are people not paying themselves first? No matter how much we earned, we cannot be rich without first knowing how to pay ourselves first. If you have a basket and everyday you put in 10 apples in the morning and remove 9 apples in the evening, what will happen to the basket over time? It will become overflowing with apples. So what will happen if you save 10 percent of your income no matter how much it is and what will happen to your bank account overtime? It will be overflowing with money!

2. Second Cure. Control the expenditures.

If you are thinking… if you are not even earning enough to feed yourself, what is there left to pay yourself? But we have seen people with different amount of income that ends up broke. So it is not the difference in income that is going to hinder you in paying yourself. You will need to differentiate between necessities and desires. If you buy everything that you desire and leave nothing to yourself, you can’t be rich. Instead of splurging, you may instead reward yourself with some of your desires that is still affordable within 90 percent and that is after spending on your necessitities. Warren Buffett one of the richest man in the world and Ingvar Kamprad owner of IKEA are some of the examples we can learn from. Buffett still live in his house that is bought in 1958 for $31500 and Ingvar Kamprad is still driving a 15 years old car and still flies economy and both man have a net worth that is in billions.

3.Third Cure.Make the gold multiply

To be rich, it is not enough to just save money. The amount we saved must be able to labour and produce more money. A man’s wealth is not in the money he have, it is the income he build that continually flows into his purse that keep it bulging. Investment like stocks, fix deposits or anything that allows your money to work will do the job. One important note, before jumping into any investment, gain an education first. I have lost some money due to lack of education before, don’t repeat the mistake.

4. Fourth Cure. Guard the treasure from loss.

Education, education and education. Learn and understand anything you want to invest before parting with your money.

Whenever you want to buy a 2nd hand car, what will you do? You will check out the car, test drive the car, check whether there is any welding to ensure that the car has not crashed before and asking your friend who is more of an expert then you before deciding to part with the money. In Singapore, whenever you buy a car, it is almost guaranteed to lose money and yet people will put in so much effort to research the car to determine whether it is worth the money. Yet when it comes to investment, people just throw money into it without doing a proper research. How many people are guilty to listening to your friend’s advice and just dumped money into stocks without research? Raise your hands up.

Warren Buffett’s Rules in Investing.

1. Never lose money.

2.Always remember rule number 1.

5. Fifth Cure. Own your own home.

Do rich people own their own home? Yes they do! So we will learn from the great role models. Maybe if we can own a few more house and start to collect rental and this will be one of the reliable income streams that we created.

6. Sixth Cure. Provide in advance for the needs of growing age and protection of the family.

We need to prepare for the time when will be old and for the needs of our children that are escalating with inflation. Keep money in plans that would provide money for the children’s education and insurance that you will know to take care of the family in any case of mishap.

7. Seventh Cure. Increase the ability to earn.

How much will a novice be paid compared to a master. If you think that you are not earning as much as the colleague beside you. Learn from them! Increase your capability and money will soon follow through. People will be rewarded if they are a master in their craft.

There is abundance in wealth and those who practice the stated rules are assured for success.

If you are interested in learning more about personal finance, I would greatly recommend this book. You can order it here

“Always bear in mind, your own resolution to succeed is more important than any one thing”

Abraham Lincoln

Cheers,
Vincent
Personal Development Blogger

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Post from: Health Money Success

7 Cures for a lean purse

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