Cents and Sense

Cents and Sense This page is a safe environment for people who would want to learn about personal finance.

Avoid these mistakes.
08/09/2023

Avoid these mistakes.

It’s important to have an emergency fund, and the sooner you finish building yours, the better your finances will be. Short-term medical expenses, important home repairs, job loss — these [...]

Which of these do you have?
07/08/2023

Which of these do you have?

A few days ago, I saw on an online news website a sponsored article that gave the best investment options for young professionals. The post enumerated four items, particularly life [...]

I always say this but many still often forget.
17/02/2023

I always say this but many still often forget.

Someone recently asked me where he should invest. Specifically, he’s asking me if putting money in the stock market is a good idea. Ask me if it’s a good time [...]

“.. whenever you buy jewelry — you’re simply acquiring an asset and not an investment. Because an investment should make...
07/01/2023

“.. whenever you buy jewelry — you’re simply acquiring an asset and not an investment. Because an investment should make you money.”

“There’s nothing wrong with buying jewelry. Go ahead and buy them if you’re fond of wearing them, or as a gift for your loved ones.

But never buy jewelry if your mindset is to have it as an investment or a source of emergency funds. It’s better to just invest your money in paper assets or keep your cash handy in a savings account.”

© Fitz Villafuerte, RFP

Is it a good idea to invest in jewelry? How about using them as a source of your emergency fund? Some people think so. Particularly because the value of gold [...]

If you wish to achieve financial freedom, the quiet quitting movement might be a good thing.
03/09/2022

If you wish to achieve financial freedom, the quiet quitting movement might be a good thing.

The quiet quitting movement is growing. Workers are sick of doing more than is required and want more work-life balance and less stress.

Do you think you'll pass this test?
19/08/2022

Do you think you'll pass this test?

To be financially secure means having enough resources to support your standard of living today and in the foreseeable future. To be financially secure means being able to sleep well [...]

It's about choosing your struggles.
12/08/2022

It's about choosing your struggles.

Ask anyone if it’s important to save money, and everyone would say “Yes”. But ask them again if they actually have savings, and I’m certain only a few would have [...]

Here's what you can do. :)
21/07/2022

Here's what you can do. :)

When competing with the rising costs of living and a low income which doesn’t appear to get any bigger, life can be stressful. With generation rent & debt (i.e. the [...]

Lemme explain.. 😉
08/07/2022

Lemme explain.. 😉

“Instead of asking how to become rich, ask how you can become not poor.” I wrote this line in my ‘ideas notebook’ several months ago. I can’t remember anymore exactly [...]

If you need reasons to stop neglecting your savings, here are 11 consequences of not saving money. 😌
29/06/2022

If you need reasons to stop neglecting your savings, here are 11 consequences of not saving money. 😌

Spending is more fun than saving, but the consequences of not saving money are harsh. Here's what can happen if you're not saving any money.

Wealth vs Income, what is more important?
16/06/2022

Wealth vs Income, what is more important?

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