The Money Management Blog

Yes! It Matters!

   Nov 18

Money vs Happiness


Image result for Money vs Happiness

There is no hidden secret in the fact that Money is integral part to human survival. This whole world is driven by this entity and entire system functions using it as an input in some form or the other. Every single moment on this planet is governed by the laws which inadvertently converges towards money factors.

Money defines power, position, status and one’s capability to make things happen around. It dictates a hierarchy which might not be visible or documented but it transpires by its own in some form or the other. Earning money is desirable and wanting to have more beyond one’s need considered to be greed which finds no end and that is when it becomes world’s most lethal thing to have in possession.  

It is always difficult, or more so become challenging in current times, to find the equilibrium between your financial needs and earning race.  In current times, we tend to believe that human emotions are very well adjusted and satisfied with money alone and that is definitely a dangerous trend which is being witnessed across the globe.

Money can definitely help you buy all the materialistic things and get them at your disposal but human emotions and feelings are something which can never be bought with anything let alone money.  Money is a great differentiator which is being used to decide the world developing vs developed nations. 

We can have as much money as we want but we can never have it enough to meet our needs because after a point we lose track of what exactly we started off for and end up wasting our entire life running behind it.

It is no surprise, backed by the dignified research as well, that individuals/businessmen, businesswomen who earned money like anything during their prime time where mostly alone nearing their dead ends because they never had time for their family or other important aspect of life rather money was everything for them to go for.

Its better to set your priorities sorted out right at the beginning and start your jaunt with a near perfect aim in your life and go for it.  There is no point cribbing about your by gone times when you cannot do much about it, when your hard-earned money cannot give your days back, the precious moments which you would have enjoyed otherwise. So be wise and plan accordingly before it get too late.  You can find happiness at a later age also. If you always wanted to take guitar lessons, but never could, adult guitar lessons in Singapore will be at your rescue.

See what experts have to say about this topic:


   Jul 31

5 best value investments

Image result for skateboard investment

Let me start by saying that you need to be in the right frame of mind before you take the plunge into thinking of any investment options. Investment options are chosen keeping in mind various tangible factors revolving around your life, your family and other similar associated elements which play pivotal and definite role.

Investment is all about the art of decision-making at the right time to get the most out of it. So there is no hard and fast rule with respect to investment at any point of time rather it entirely depends upon your situation and market condition together.

As stated, since investment is dependent on many factors but nonetheless the first and foremost option which people go for is real estate. This is the most enriching, confirmed and sure shot source of income which is going to increase only. Real estate may see a stagnancy but it does not run in the reverse order which effectively means that your money is secured always.

After real estate comes share market which is easily accessible to the common public through many government oriented initiatives and programs which are helping these schemes penetrate deep down to that level of the society which never heard of it ever before.

Share market lot resembles with the game of gambling and requires lot of patience and meticulous planning because even a single major movement in US politics or sudden surge in oil price by Arabian nations or some unrest in some part of the world would have direct correlation to the share market. It has been advised that people willing to take a dive into this battle field should first learn the rule of the game and study the subject properly before making any move because with such a downpour the money would come to you, if lucky, and likewise with same speed your invested money could also vanish and by the time your react it would be too late.

Apart from share market and real estate, some people also invest in mutual funds which is a subset of share market but then it has a component which is completely risk free but then returns are not that good.  People who do not want to get into the mystery of all these, prefer to simply keep their money in the bank as fixed deposit and earn fixed amount every year.

Let me be clear on one thing, investment does not always need to be a huge amount. It can be as small as a skateboard. Just look for some of the best electric skateboard reviews around and buy one. It is also an investment.

However, the most important thing is that you should choose your options carefully and read the documents and hidden fine lines properly before making your move.

Skateboards are really great to have. Look at this wonderful video for instance:

   Feb 02

The Best Ways You Can Save Money Now

Image result for Save Money NowThere is always something about saving money that has its own appeal. It may be because having money in case of emergency is always going to be helpful or it may also be because you are saving for something. There are some people who love going on vacations and they know that they cannot do this if they do not have enough money.

If you have Grandeur Park Residences Singapore and you have told yourself that you are going to have your own property there someday then it is never too early to start. You can make some changes with your lifestyle now and see how things can get better. Perhaps in the future, you are going to have more than one property in the grandeur park location. It will depend on you and the way that you are going to save.

Here are some of the things that you can do so that you can start saving money at present time:

  1. Make sure that you are going to get rid of all debt before you start saving money. This is one of the mistakes that people make. They sometimes save a certain amount of money only to pay all of the money to the debt that they have acquired over the past months and sometimes even years.
  2. Become motivated. How would you like to save when there is nothing that is worth saving up for? Make sure that you know exactly what you want. Then just go along with it. You may be become more inspired in the long run and the money you have saved may even grow in quantity depending on your choices.
  3. Do not forget to pay/reward One of the reasons why people find it hard to save is because they do not get enough gratification from their work. Do not forget to reward yourself first. You can choose every pay day what your reward is going to be. If you want a big reward, you can set aside another container wherein you can place a specific amount of money every payday. This is what you will use when you buy something or go on vacation.

Learn how to save money in a fast manner from here:

It is also important to note that doing vices can actually decrease the savings that you can have every single day. Stop these vices and the amount that you should spend for these can be placed in your savings account instead.

   Nov 19

How to Be More Responsible with Money

Related imageBecoming more financially responsible is something that you find a bit complicated to do. You may be fresh out of college and you are starting to earn your own money. You may realize that you have a lot more money now as compared to when you were a student. Perhaps you have been an employee for a long time and your salary has not increased as much as you would like. You have not saved a lot of money because most of the money you earn goes to your bills and other things that you need in order to survive.

There are different ways that you can be more responsible with money. For example, you may check moneyiq first so that you can consider the different bank loans that are offered by various banks. The loan may be for the house that you want to build or for a business that you want to start. Picking the best loan means that you will be able to balance your money better. You need to be smart with your budget so that you can be more responsible.

Here are a few more things you can do to be more responsible with your money:Get to know the amount of money that you will spend on your bills and needs. Afterwards, compute how much money you have for your wants. Set aside a portion of that money. This will allow you to start saving even if it is only a little bit every month. In the long run, it will make a lot of difference.

  1. Know what you are paying for. You might think that you are being a smart shopper by purchasing a piece of clothing that is on sale. Ask yourself, if the item was not on sale, would you still buy it? If you answer no, then you are not being a smart shopper. Pay attention to what you are shopping for and know exactly what you want.
  2. Do not be an impulsive buyer. You may suddenly purchase something out of the blue when you know that you shouldn’t especially if it involves a lot of money. Plan the items that you are going to buy. If there is something that you really want to buy, sleep on it. If you still can’t forget it, then you are probably meant to have it.

Get to learn more tips on how you can be financially responsible from here:

The best thing you have to remember in order to become more responsible with money is to avoid debt. Getting a loan will let you incur some debt. Try your best to pay off your loan at the soonest possible time. It will be worth it in the long run.

   Sep 15

Purchasing Art Online Now Possible

There are a lot of people right now who are extremely happy with how the Internet has made it possible for people to purchase affordable art online. This is extremely different from how people purchased art in the past wherein they were required to purchase from art dealers who sell art made by artists for high amounts of money.

If you would like to purchase art that you know you can place at home but you do not know where you should purchase that will allow you to not spend too much, you already know the answer and that is to purchase online.

You have to remember that purchasing art online can be harder if you are searching for hard to find pieces. If you have some specific artists in mind that have paintings that cost a lot of money and are usually found in museums, do not bother trying to find so called “rare” ones online, they are just clever copies of the original.

Get to know more details here:

All types of art can be appreciated and artists do not have to be extremely popular in order to let you have an artwork, a painting that you can display in your own room or maybe at another part of your house. You can purchase paintings online from the following sites:

There are a lot of people who feel that this is the best art site right now because you can purchase artists who are already established. It does not have any mark up because of the middleman. There are also paintings made by little known artists but you may never know what they can achieve in the future. You may purchase a painting that will be worth so much more in the future.

Even though you have to become a member in order to enter this site, you can be sure that you will get some paintings that are ready to be hanged inside your own house. Do remember that while they are made in digital prints, the selections that you can choose from may change from season to season so consider this well.

If you would like to check out a site that offers paintings that are made by new artists who are just starting out to those who have managed to build their name and reputation, you can check out this site and find the painting that calls you by your name.

Remember that purchasing art online is possible as long as you would purchase from well known websites.


   Sep 03

Money Saving Tips You Can Present

Image result for saving moneyA lot of the things that are happening in the world right now have prompted people to save more than ever. If before, people would like to have lavish lifestyles and spend their money like there is no tomorrow, people now are being more practical.

Yet, there are some people who are still having a hard time saving. If you are going to have presentation trainers that would talk about the benefits of having some savings, what qualities would you like the trainers to have? First of all, you need to make sure that the trainers understand what they are talking about. Another thing is that they should believe in what they are saying. Otherwise, how will the audience believe them?

Creating a presentation about saving money can be tricky probably because you need to make your presentation highly appealing to your audience. Here are some things you need to remember:

  1. Make the presentation fit the type of life that your audience leads. If the audience will be composed of students, make your scenes and situations related to students. This will help them apply the things that you are going to suggest in their every day lives.
  2. Pay attention to the design of your presentation. You might think that your design will not make a lot of difference with the type of attention that you will get from people but this is not true at all. Hire the right presentation designers for the best design to show your audience.
  3. Make your presentation fun and exciting. If you would make your presentation boring, you can already expect that none of your audience will listen to you.

You can learn more about making amazing presentations from here:

Here are some money saving tips that you can share with your target audience:

  • Encourage them to save a percentage of their overall salary every time they get money. This should be different from their reward though. Most people feel like they are being deprived because the money that they should use to buy the things that they want go to their savings instead. Learn to separate the two.
  • Do not buy items impulsively. Nice looking items may cause people to give up on rational way of thinking and just purchase what they want but for those who are going to buy big ticket items, always think first how the item will make a difference with their lives before they buy. Most people would put back the item again.
  • Try to understand how to do budgeting. One of the reasons why people run out of money often is because they do not know how to budget.. Set aside money for different things and spend what you can but do not spend all that you have.

With all of these things in mind, do you think that your presentation about money saving will become a success? Try your best to do so because it will help more people budget their money better.

   Jul 27

How You Can Make Your Money Last Longer

You may not be one of those people who can buy anything that you desire because you are not earning enough and you have to spend on a lot of things too. You may have to forget about the things that you want because you know that you do not have enough. It does not mean that just because you are not getting a lot of money this already means that you cannot make your money last for a long period of time.

You can live a quality life while having enough money. Are you wondering how you are going to do this? There are some things that you can do such as the following:

  1. Think about the career that you want.

You may be happy with the career that you currently have but what if you can have a career that you can actually pour your whole heart in? This will be good for you because you will be more passionate about it and at the same time, you may earn more when you switch careers. Evaluate your current career and make changes that you feel are appropriate.

  1. Forego things that you do not need.

You know that you want to get some new clothes but you do not actually need new clothes. Instead of trying to convince yourself that it is okay because you bought things that are on sale, think about other things that you can buy with the same amount of money. The things that you can achieve for the same amount will be far better.

  1. Make sure that you will have all the basic things covered.

In order to make your money last longer, you need to spend on things that are good for you. You can purchase your own home and check out Paya Lebar Central instead of buying a car first because a house is more necessary. Having the right insurance will also get you far in life. No matter what type of insurance that you choose, you know that you will benefit from it.

  1. Be more active.

Do you know that when you use your bicycle to go to work instead of your car, you are improving your health condition? Your health is your main wealth because how can you enjoy your money if you do not have enough energy to spend it or enjoy it? Try to be more active because this will make a lot of difference.

Get to know details on how you can make your money last longer here:

Now that you have an idea about what you can do in order to increase how long your money will last, you can become better at scrutinizing what you are going to do.

   Jun 24

Simple Ways That You Can Save Money

You already know at this point that there are a lot of tried and tested methods on how you can save your money but even if you know the methods, it does not necessarily mean that you are already an expert. There are some traditional ways that you can do so that you can save money. Some of the traditional methods may include:

  • Keeping separate jars for all of the things that you like to save up for. This will allow you to organize your money with no problems.
  • Save a certain percentage of your paycheck each month and put it in a separate account.
  • Make sure that you will have the discipline that you need in order to not use up the money even when you are tempted.

The methods that are mentioned above may work well for you but how sure are you that you can still apply those methods that are mentioned above at present time? Here are some of the things that you can do so that you can save your money:

  1. Pay Yourself First

This means that you are giving yourself money to spend for the things that you want before you can set aside money that you are going to use to pay for your bills and even your savings. You will truly feel that fruits of your labor this way. Remember that the amount that you can spend on yourself will depend on you. It may change from month to month but you are recommended to have something that is fixed so that it can become a habit that will be hard to break.

  1. Make Investments

You should never underestimate the power of investments. There are different things that you can invest on. If in case you are not too aware of what these things are, you may ask a professional to help you out. If you make investments for every salary that you get, you can earn a lot after a few years. It will not be the same with the math that you will learn from Learning Out of the Box but knowing the basics of math from primary maths tuition centre ang mo kio can help a lot.

  1. Know How to Budget Your Money

You need to make sure that you will budget your money effectively. If in case you are new to budgeting, you may want to write a plan about how much you are going to spend for the different things that you have to pay for.

You may learn more about saving money when you check out this link:

With all of these tips that you can do in order to save money in a modern manner, you will find yourself having more money if you would be disciplined enough to continue what you are doing each month.

   Jun 03

Making Real Profits With Digital Marketing

There are a lot of people right now who are going through various monetary problems mainly because of the situations that they are going through. Some are having problems because the bills that they have to pay are more than what they earn. There are also some who are going through some issues with money because they are spending more than they should and they have not saved up any money at all.

There are some companies who are focused on providing digital marketing work such as singapore seo services. They are in charge of providing the services that online businesses need in order to become noticed in the world of the Internet. They have highly competent staff members who are aware of the things that should be done in order to make one website highly noticeable as compared to its competitors.

For those who have hired a digital marketing agency to help them out with their digital marketing needs, they know that they still have to find their niche before they can open their business to the public. Once they have found their niche, they still have to narrow down the categories that are part of their niche. Some of the things that people have to remember to make money through digital marketing are the following:

  • Focus on creating great content – There is something about creating content that can make a lot of people hooked into reading. As much as possible, they would like to know more about what is being promoted and as a result, they would keep coming back for more. If you are running a website on music lessons, such as providing good violin lessons in Singapore, your content can be about violin, violin teachers, violin equipment, and more!
  • Connect the site to social media – The website will not be a success unless it becomes noticed by the target market and the perfect way to do this is to connect the website to popular social media sites. Millions of people check their accounts every day and some of these people will be more than willing to check out your link and see what you have to offer if they are interested.
  • Let advertisers in on your website – If you would like to make passive income and you would like to become noticed at the same time, you may allow some advertisers as long as they are connected to the items that you are selling to advertise on your site. This will help you make extra income.

Get to learn more on how you can make money through internet marketing from here:

With all of these things that you have learned about digital marketing, do you think that your website will become a success?

   May 01

Things You Should Check Before Buying A Property

You do know that when it comes to viewing properties, you just cannot make a choice on what portions of the property you are going to look at. If you are going to buy a property, you need to make sure that you will get something that is worth it, something that you totally want. How can you achieve to have this type of property?

You are not being obliged to buy a place the moment that you see it. You always have a choice. This is the reason why you are required to do a thorough check of a property no matter how gorgeous it is beforehand. A place that is new like Gem Residences Condo might seem like a nice choice but if you would like to have a home that has been lived in before, here are some of the things you ought to check:

  • Check if there are some areas around the property that are damp.

When a place feels damp, there is a possibility that the room has some leaks on it or there may be some issues with the plumbing system. You can tell if there are some signs of a problem when the ceiling has some watermarks on them. Check the walls too because they might be hidden beneath a layer of paint.

  • Get to know the foundation of the property and how strong it is.

If you would learn more about Gem Residences project details, you will know that the building is very strong and sturdy. This means that you need not worry about the building suddenly breaking down after a few years. When viewing any property, this is something you always ought to check.

  • Consider the roof.

If you are planning to purchase a condo, this may not be one of your main concerns. Although you can check the ceiling if it seems intact, it can be different for those who would have to purchase homes. Although the house may seem perfect in the beginning, you ought to check the roof of the house. If you would need to change your whole roof, you are going to shell out a huge amount of money for this project.

Get to know more details about this right now:

Do remember that there are so many things that you ought to check first before you decide to buy something. You may need to check the property twice before you can make a decision. When checking the house twice, make sure that you will check in different times of the day just to get a different feel of the house.