When I was on my Debt Free Climb, I developed a habit to start tracking my income and expenses closely. By tracking my money, I avoided complacency because I was hyper-aware of where my money was going. I analyzed spending trends which helped identify ways to adjust/eliminate waste in my financial life. Due to my […]
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Spending Recap 2016
There are two main factors to building wealth: making more (income) and spending less. There is a debate in the personal finance area of which is more important. To me, making more and spending less are equally important because it’s all about the “Gap” (or Savings Rate) between them. The bigger the “Gap” between how […]
