Johanus on August 27th, 2009

We all know that the future is uncertain. It’s a fog that we cannot see through and understand the exact events and timings of what will happen. Regardless of how well we plan things, we know that events can conspire to change what we expect to occur. Some people use this as an excuse to [...]

Continue reading about Living for Today, but Planning for Tomorrow

Johanus on April 7th, 2009

It’s tough to track your expenses when you first start out. It’s even tougher if you realise that you’ve spent $120 a month on coffee. This means that cutting out these small, seemingly insignificant, expenses can really add up. Consider if you spend just $3.00 a day, five days a week for 50 weeks of [...]

Continue reading about Examining Your Expenses

Johanus on January 6th, 2009

It’s always hard to set your total budget plan. Sometimes it’s just the motivation of sitting down and doing the work. Other times it’s the knowing that you will have to truly see how much money you have and how expensive it is just to live in this world. To maybe you just don’t know [...]

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Johanus on November 28th, 2008

As someone who has been through the worst of personal finances and managed to pull back from the brink, I can sure relate to the problems that people can face in personal budgeting. Why did I get into such trouble? Well, let’s just say that I was used to living a fairly simple lifestyle, then married [...]

Continue reading about Let’s all pitch in personal finance tips!