Monday, August 31, 2009

Study in University "Lesson Learnt"

I recalled the days of studying in university, and it is a UK university. It was a lot of funs, joy, learning and mixing with different foreign students. Majority are from Britain, Singapore, Malaysia Hong Kong, with some from country like Pakistan, Germany, Sweden, China. Good life, and no need to worry about money. Leave the money problems to my parents. However, as I grew older, and a little bit wiser, I realised that money education is important. When I was in university, I spent money base on my liking. I never ever consider what is needs and what is nice to have? I do not know about frugality, as I have no worries of money problem (thanks to my parents). When I came back to my home country to work, I pick up the same usual spending habit I have gather in UK, with even my salary I earned from a company, hardly could survive me.
I started to do a self-reflection, and only I realised that I have to control my spending, then I will be able to save and get by. After practising this habit for some months, years, and now it is already ingrained inside me, I felt much better financially than compare previously before.

Have you any such experiences you had while you are studying? Share your experiences and lesson learnt.

Sunday, August 30, 2009

What is not taught at school, "Personal Financial Education"

Majority of us, who have the opportunity to get educated, learn about language, science and maths and other interesting subjects available and thought in school. You went to get your honours degree and some further specialisation to PhD. We celebrated out first graduation day from university, and got employed in a reputable company that pays you a decent salary to get by.You get our first car, first girlfriends/boyfriends (maybe not the first, but probably after a dozen of them, some do finally become our spouse), get our first marriage, home and children. Along, this path, there comes an issue, that is always not enough to get by. What is that? Money! Yes, money, “the paper which is back up by government” is not enough for buy you the things that you wanted, and the needs that you wanted as you live through life. Why it is happening to us? It all boils down to one important subject, that the school forgot to teach, that is Financial Education.We are not taught to how to keep, grow and protect our money, thus leaving us broke at the end of every month, thanks to powerful mega sales and attractive offers, we are always tempted to spend beyond our means.Therefore, I open up this blog to share, and also welcome sharing of others own experiences on personal financial education to live wiser, free of financial worries and happier. Learn from the experiences of others, get advise from those who had made it “Financial freedom”. So do you have any painful or bad financial decision that left you to a direstraits to be shared? Please do post it in the comment.


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