Let's Save Money

When should you start saving for retirement? Now is the answer, my dear friend. There is no better time for you to put money aside for your retirement than at this very moment. The sooner you start saving, the better your retirement funds. You don't want to wait until 5 years before retirement to think about that. Now! Time is in your hands. I just came across an article that beautifully illustrated the information with data. Check this out here . And remember "Time is Money" See you next time!

Does your room look like this? Ask yourself these questions: Do you feel stressed when sitting in your room/house? Do you get upset or annoyed easily when getting back to your room/house? Do you feel like nothing can be done? Do you feel like you can never find anything in your room/house? Or things just mysteriously disappear? If you answer yes to most of the above questions, your room/house needs a good clean up. According to University of Minnesota, your personal environment can have a positive or negative effect on your mood. The research has shown that rooms with bright light can improve and anxiety. So, you can guess what a messy room can do for your mental health. You can read more about the research here . Other than that, you bought all of them... with your hard-earned money (of course excluding the gift your friends bought you - wait for it, I will come back for it later!). It is no rocket science that you bought stuff thinking they would make you happy but afte...

"Backyard Grilling"   by  Christina Schmidhofer  is licensed under  CC BY-NC-ND 4.0 The other day I read the Nielsen article for about the spending habits of Canadian Millenial. According to the article, millennials are the most financially optimistic across generations in Canada. The report further stated that this generation spend the most among their cohorts when it came to dining out. "Canada now has an abundance of restaurants options with eclectic cuisines, which makes dining out a desirable and easy alternative to cooking at home", mentioned about Nielsen report. You can read more about the report here . I have to agree with the report that with the plentiful choices of restaurants, especially in Toronto, cooking at home seems to be boring. However, in my opinion, homecooked meals can be both delicious and interested if we spend a bit of time planning for it. Check out the below video on how to make delicious homecooked meal and you don't ha...

"Google Data Center" by Connie Zhou is licensed under CC BY-NC 4.0 As an aspiring data analyst and a new blogger, I can't stop myself from searching for tools and research to help enhance my finance blog. For this post, I will put a hold on talking about personal finance and spend some time discussing my discovery of Google Data Studio. Google is not only an effective web searching tool but also a universe of an effective marketing platform. Google provides tools for eCommerce sites or bloggers like me to understand more about our audiences via a number of visits, duration of stay and so on. One of the tools I am really impressed with is Google Data Studio. This tool allows users to upload their datasets and generate appealing reports for the audience. The design of Data Studio is very user-friendly and anyone can create attractive reports with simple steps. Below is the instruction on how to create a report via Data Studio: This tool is perfect for me as I ca...

My sister and I were waiting for sunrise in Dalat, Vietnam  Anyone finds money talk boring? Me too. Well, that was me before I moved out and started to live by myself. I needed to learn how to manage money properly to ensure that I maintain a healthy lifestyle. Since then, I have grown interested in personal finance as I learn that this knowledge is the key to open up a lot of opportunities. I love visiting places. I can spend hours on the travelling blog and daydream about my next journey to different locations around the world. Whether the trip is for trekking and hiking in Nepal or searching for hidden gems on our mother earth. Those blogs are from my fellow bloggers that are doing a fantastic job in fueling my travel desire. Or if you like to travel on budget like me, check out this budget travel site . However, to be able to afford trips, discipline is everything. You have to learn how to control your spending and manage your budget. My number 1 tip is to keep your c...

I took this picture during my trip to Kyoto, Japan. This was a river near Arashiyama Bamboo Grove. Hello everyone! Thanks for visiting my personal finance's blog. I am currently studying in Analytics for Business Making Decision postgraduate program in George Brown College in Toronto. I have lived in TO for 5 years and have fallen in love with this beautiful city. Living alone in the city, I am grateful to learn so many skills that keep me moving with busy lives here. Saving skill is one of them. Learning about how to manage your hard-earned money has always been my most desired hobby. And I want to share my learning journey with you. My blog will provide tips and tricks that I have acquired through years on how to better manage your financial situation. Despite not having a financial background, I am a strong believer in frugal living, in other word, being smart with your money. Frugality doesn't mean that you need to live in deprivation and sacrifice your hobbies. I...