Goal Setting Is Not Enough (Plus Giveaway!)

Goal Setting Is Not Enough (Plus Giveaway!)

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It’s almost the New Year and everyone is making resolutions and thinking of ways they can make their lives better in 2017. If you’re anything like me, you will have one or two goals which come up on your New Year Resolutions list year after year. In my case, I have “gym three times a week”, “Journal daily” and “meditate daily”, creeping up on my New Year’s resolution list yet again, which is honestly terrible! Although I was able to accomplish most of the goals I set for myself in 2016, I was not able to accomplish all of them. This is not because I was lazy (although, I must confess, I am sometimes), but because I did not have the systems in place to accomplish the goals. In the past I have used tools like: S.M.A.R.T goal setting; visualizing my success (I made a vision board as well); setting…

My 3 Favorite Books of 2016 And How I Applied What I Learnt To My Life

My 3 Favorite Books of 2016 And How I Applied What I Learnt To My Life

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  I picked up the habit of reading when I was 20, not because I particularly enjoy reading (I don’t – I’m very slow at it, I have a very short attention span, and it gets kinda boring); but because I know the amazing benefits of reading. Over the years I’ve noticed that my relationship with books/ reading takes 3 forms: A : “What is a book?”  – Where I go months without picking up a book to read. B: I read but I can never remember what I read and I cannot find ways to apply what I learn to my life. C: I read and retain what I learn and apply this to my life. I read 11 books this year, and listened to 20 or more audio books (blame it on my long commute). So, for the few times when I actually remember what I read and applied…

INVEST IN YOURSELF YOU WILL GET THE GREATEST RETURNS

INVEST IN YOURSELF YOU WILL GET THE GREATEST RETURNS

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    Investing in yourself is the best thing you can do for yourself, not just for the future returns but also because of the current payoffs. Investing in yourself can take several forms but at its core it serves to increase your human capital. Wikipedia defines human capital as: “The stock of knowledge, habits, social and personality attributes, including creativity, embodied in the ability to perform labor so as to produce economic value” In life, I’ve realized that a lot of us simply do not spend the time or money needed to invest in ourselves (the only one guaranteed investment in life) instead we give money to others by investing in the stock market, the latest gadgets, the newest cars, better homes, and so on – items that depreciate, or have wildly volatile returns. And all of this is fine and great, but imagine what could happen if we…

What You Need To Know About Your Credit Score

What You Need To Know About Your Credit Score

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Earlier this year, I sought pre-approval for a mortgage only to find that I was not eligible for the lowest interest rates. I later found out the reason I was ineligible was because of my credit score. When I tell you, I was shocked! This made me check my credit rating for the first time; so I ordered my credit report (for free, nonetheless). I found that my credit rating was not excellent, or even good, but a “fair” rating…FAIR! I noticed there were some errors on the report, and that an unpaid phone bill had been sent to collections (I blame it on my study abroad year in my third year of university when I literally had no cares in the world!). So this year, I embarked on a journey to fix my credit score and my credit rating has improved by almost 50 points, to a good rating!…

4 Things I Wish I Was Told About Money As A New Grad

4 Things I Wish I Was Told About Money As A New Grad

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You’ve finally graduated from university! You might be one of the lucky ones that get a job right out of university, or you might not be as lucky. Whatever, the case may be, no one told you that adulting would be this hard. You suddenly have to start paying all these crazy bills, including your student loan (if you have one), and have to start thinking about crazy stuff like getting married … or even having kids. *Shit just got real* There are lots of things I wish I was told about money and adulting when I first graduated. A year after my graduation, and there are 4 things I know now, that would make your life much easier as a new grad:        1. Treat Your Credit Card Like A Date That’s Too Good For You Credit cards come with a lot of problems and responsibilities and…