Chaosplay

I was reading The Millionaire Next Door by Thomas J. Stanley. It talked about how some of the multi-millionaire live like middle income or even lower middle income. When I talked about this with my friends, they rejected living well below their means because it sounds stingy. They also complained if they cannot enjoy their [...]

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I spend almost all of my workday in front on computers. I have access to web and it’s so easy to buy anything. I used to buy a lot of thing based on impulses. Finally, I have learned to take advantage of the shopping online.
Research Good Deals: Now before making a purchase I research online [...]

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Yesterday, I talked about how I was going to save and invest most of my income. Some of my friends asked me why not pay off my car first. So I did some calculations. My car loan is at 7.69% interest. My savings APR is 3.49% at HSBCDirect. And I am expecting 8-10% return on [...]

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One of most common budget I have seen is like 10% for savings, 10% for charity and rest is for you to spend as you like. This is a great plan but I am always trying to minimize my spendings and maximize my savings and investments. A while back I decided to get rid of [...]

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