Tagged With twocents

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While you’re perfecting your resume and cover letter with the hiring manager of your dream company in mind, you may be interested to know that they may never even read your application, because a robot will have discarded it before they had a chance.

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For knowledge workers in the 21st century, efficiency and productivity are still integral to being seen as a “success”. We value writers who can produce 10 pieces of content each day, and we look to investing personalities for advice on what 10 trades to make to maximise our portfolios.

But what if we could reframe that perspective? What if instead of prioritising action and production, we emphasised learning, insight and quality?

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If you’re trying to get your spending in order, one of the more powerful ways to do so is to embrace the “pain of paying,” as Joe Pinsker writes in The Atlantic. That means, for one, paying for things with cash instead of credit.

Because credit cards allow us to buy now and pay later, we tend to feel better about our purchases and overspend; paying with cash is a mentally more painful way to buy something because you’re parting with your money then and there.

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Now that the cold, dark winter is over (sort of), it’s time to throw open the shutters and take a look at your finances in the spring light. Maybe you haven’t been making progress toward your goal, or you want to up your savings even more, or make sure your credit card payments are on track. Whatever the case, here’s your periodic reminder to mind your money.

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The current bull market’s longevity has people worried. It all has to end some time, and some economists are predicting a recession by the end of 2020. Assuming that holds true, that gives you around two years to get your finances in order. What should you be prioritising?

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Living stress-free and spending time with loved ones were cited as the definition of wealth for many people in Charles Schwab's annual Modern Wealth Index, an online survey of 1000 people in the US between age 21 and 75. Meanwhile, just 11 per cent of people surveyed said their definition was "having lots of money."

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If you can’t psych yourself up to save for retirement — there are too many other things to worry about, you say, and I’m never going to retire anyway — instead think of saving as giving yourself freedom.

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We've all been there. You agree to a group meal when you're on a tight budget, ordering eggs on toast or a garden salad while your friends split appetisers, order entrees and try fancy new smoothies. You watch helplessly as the bill comes and your friend's boyfriend you were never really a fan of to begin with utters those five dark words: "Should we just split it?"

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It may not feel like it as you battle chilly weather and pray for winter to finally end, but the holidays are almost upon us. And that means starting to budget for gifts, flights, feasts and all the other Yuletide trappings.