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Continue reading →: Start the New Year Right: Set SMART Financial Goals for 2025The new year is here, and we’re glad to have made it. For many, the start of the year feels like the perfect time to plan for the future, setting financial and other goals. But here’s the challenge: most new year’s resolutions fail because they’re too vague or lack structure.…
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Continue reading →: The Holiday Spending Dilemma: Strategies to Stay on BudgetThe holiday season is almost here. It is a season of giving and high spending. From Thanksgiving dinners to Christmas festivities and gift exchanges, spending can easily spiral out of control. It’s a time to remember that planning helps to keep things under control and reduce stress. In this article,…
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Continue reading →: Why Self-Investment is Key to Financial SuccessSelf-investment often leads to the greatest rewards. Self-investment comes in the form of time, money, and resources. When you invest in yourself, you create more opportunities for personal, professional, and financial growth.
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Continue reading →: The Power of Consistency in Building Financial DisciplineConsistency is one of the key pillars in building any habit. To become disciplined in any area, you need both the willpower to start and the consistency to continue until it becomes second nature. Building financial discipline is no exception. You need to have the desire to improve your finances…
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Continue reading →: My Seven-Year Academic Journey: Embracing Financial DisciplineIn 2015, I had the incredible opportunity to move to Taiwan after being awarded the MOFA Taiwan Scholarship to pursue a bachelor’s degree. This prestigious, merit-based, fully funded scholarship, offered by the Taiwanese government to students from its allied countries, not only provided a generous stipend but also taught me…
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Continue reading →: How Social Proof Influences Your Spending HabitsUnderstanding Social Proof Social proof is a marketing strategy that praises products or services to persuade customers to buy. It includes testimonials, reviews, referrals, statistics, and influencer endorsements. There’s nothing wrong with this approach; in fact, we often rely on it—for instance, we check the ratings before booking a restaurant…
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Continue reading →: The Impact of Buy Now, Pay Later (BNPL) on Your FinancesHave you ever been buying online and noticed the option to split your payment into several installments? Maybe you’ve seen the possibility of paying just ¼ of your purchase now and spread the rest over three interest-free payments with AfterPay or another Buy Now, Pay Later (BNPL) service. It’s tempting,…
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Continue reading →: Emergency Funds: How Much is Enough and Smart Ways to Build OneLife is full of surprises, both good and bad. Sometimes, you’ll find yourself facing unexpected situations that demand your time, energy, and resources. A financial emergency can leave you stressed and struggling to meet your obligations despite your best efforts. However, this doesn’t have to be the case. If you…
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Continue reading →: Spending with Purpose: Six Types of Emotional Spending PatternsHave you ever spent money on a whim because of your emotions? Research shows that people’s spending habits are influenced by their feelings, a phenomenon known as emotional spending. Some individuals tend to overspend when they feel sad, lonely, or bored. Emotional spending isn’t limited to negative feelings—it can also…
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Continue reading →: Takeaways from the Book “Indistractable: How to Control Your Attention and Choose Your Life” by Nir EyalLots of open windows on your computer. The one you’re currently using? Probably not important, but you can’t even remember why you opened it. A glance at a notification on your phone. A new email pops up on your computer—it’s from your boss. Better answer that. Oh, and you still…
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