Personal finance may be comparable to planting a seed. At first, we get excited, for we have something to take care of. The excitement would motivate us to exert effort, give time and attention, looking forward to seeing the seed grow. The growth takes time though, that is why, some of us who cannot wait …
A debt-to-assets ratio is a formula that takes all your debt (house, car, etc..) and divides it by all the assets you have (savings, investments, etc..) to give you a number. Ideally the lower the number the better. At the beginning of my personal finance journey, my goal was to find a way to save …
I’ve been managing my personal finances on Google Sheets since October 2015. I know that because I can see the first entry mark on my table. 😀 I have a habit of checking my personal finances on the 15th of every month. I have no idea why it’s the 15th, but over time it became …