Money Smart

Being in the 30s is so much different from being in the 20s for me. Maybe, I'm just a late bloomer but I'm feeling the need to be smart with money. I wish I realized this earlier in life so that by now, I should have been enjoying the fruit of my labor. I was so stubborn before to even look into long term investment and my excuse was always my uncertainty in the States. Well, it has been almost five years and I'm still here. Five years is definitely long term. So tonight, I have decided that I should start to learn how stocks and mutual funds work. My professors in college would hate me if they found out that I did not really retain in my head what they taught me. I'm embarassed that I'm an MFI (Management of Financial Institutions) graduate and I worked for almost 6 years in HSBC and I did not pay attention to what's going on in the financial market. I guess, it's never too late to learn and refresh myself.

Shopping is the worst investment. No matter how many times I count my shoes, my purses, my jeans, my shirts and any type of clothing I have, I don't think those are even worth 5% of what I spent on those. Huhuhu but shopping is so tempting. My 5 times visit to Vegas in a span of 10 months was again a big loss and of course, I still want to go back to Vegas. The only money smart thing I ever did is to fully pay my car 2 years before the end of its term. Thanks to Matt, I finally did something right. Thanks to him again that I'm trying to meet a monthly savings goal and finally wanting to learn on how to invest it wisely. Let's see.

My next goal maybe is to buy a house or whatever I can afford. Hopefully this is possible in two years time. I hope that would still be a good time to buy. Let's see.

Wow, I'm starting to have plans in life... which means I'm really getting old, yuck!