Planning the next year

Today is the last day of the first week of December and it's about time to get serious about the plan for 2020. I have spent some sleepless nights on reviewing my personal budget for the next year, adjusting savings targets, expenses and thinking about upcoming opportunities. Health For 2020, I target a savings rate … Continue reading Planning the next year

Assets and Liabilities

These two words rarely come up in conversations. Even with my friends and colleagues, unless initiated by me, I have seldom noticed anyone popping them up into a regular chat. I guess there are good reasons for that. They sound complicated. They sound very "financial". They just don't fit in the "what are you planning … Continue reading Assets and Liabilities

Missing Targets – 2019 Full-Year Forecast

2019 has only a few more weeks to go and unfortunately, my budget is telling me that I am going to miss some of my personal financial goals and targets this year. Since I had a one month gap in between jobs (which was a goal for 2019 to have) and missed one salary payment, … Continue reading Missing Targets – 2019 Full-Year Forecast

3 Things you should know about FIRE

The dream of financial independence and early retirement has gained a lot of steam in recent months. But despite the popularity of the movement, there are some important points that need to be understood and which I would like to point out. It's easy - and it's not Frugal living, saving as much as possible, … Continue reading 3 Things you should know about FIRE

Why investing in Pharma makes sense

Today, let me dive a little into the topic of income-investment and why I believe that every income-focused investor should have some pharma stocks in his or her portfolio. As my readers know, my goal is to escape the rat race with the help of investments in the stock market. With my eyes targeting financial … Continue reading Why investing in Pharma makes sense

Get independent and stop dealing with CRAP

There are many reasons to strive for financial independence. For me, some of them are company politics and the never-ending dealing with CRAP. It's one of my favourite acronyms: Criticism Rejection Assholes Pressure You can't become a leader in any organization without it. It's part of the deal. No matter what you do, once you … Continue reading Get independent and stop dealing with CRAP

Depending on work is not a smart long-term plan

I don’t remember whether my parents were asking me about my aspirations when I was young. I also don’t remember hearing them talking to neighbours, friends or family about what I am going to do when I grow up. They never really tried to push any particular profession on me. Maybe because they wanted me … Continue reading Depending on work is not a smart long-term plan