Monday, December 03, 2012
Tuesday, November 27, 2012
Are you in control of your spending?
WITH the holiday season and celebrations happening now
till Chinese New Year 2013, we all have reasons to spend. Retail product
suppliers are taking this opportunity to tempt us with new launches and
festive sales.
Well, how good is your self control? Are you controlling your urge to buy with the money from your year-end bonus? Or are you affected by the never-ending stream of news and endless advertisements promoting new products and fantastic prices? Do you find it difficult to avoid the temptation?
Triggers that stimulate needs
There's lots of “noise” around us every day that influences our spending decision-making process. So, why are we easily swayed by such temptation; wanting more than necessary? This is because our different wants and desires are driven by our five senses: what we see, hear, taste, smell and touch.
Our brain's decision-making process is directly triggered by what we see or hear and how we feel. If something stimulates our brain's pleasure centre through these senses, we want as much of it as we can get. When our emotions are aroused, they often overwhelm our good sense and we end up making a purchase to maximise the “good feeling”.
Merchants and advertisers know our human weaknesses very well. For that reason, I caution you not to be easily fooled by your own biological triggers that stimulate emotional spending.
Illusion of basic needs
In reality, there are many temptations driven by our needs and wants. We must try to control those temptations, but still maintain a healthy level of self-esteem.
We have several basic need drivers: survival, fun, happiness, love, and relationship. Advertisers try to link their products to these basic needs. We often find it difficult to differentiate between our basic needs and the wants that are persuasively substituted via various media. This confusion has a direct impact on our spending decisions.
Survival is our most basic need. Besides survival, we need to have a sense of security and to be physically healthy. Hence, we have biological need that is critical for our continued existence and physical well-being. We must have social needs in the form of love, a sense of belonging with people, relationships by affiliation with and acceptance by others. Some of us spend money to express our love, affection and friendship to the loved ones, family and friends.
Self-esteem needs achievement, respect, approval and recognition from loved ones and people who are important to us. These are the needs that drive our positive self-esteem, self-worth or self-image. Without these needs, we may experience anxiety, depression, stress or helplessness because we will not able to fulfil our personal potential.
None of us are perfect, and daily life brings us into constant collision with evidence of our own incompetence and inadequacies. If we listen to negative feedback and don't create what psychologist call “positive illusions” our self-esteem will go through the floor. Sometimes we will use spending as a mechanism to boost our bruised self-esteem. Does a bad day at the office seem to always end up with a shopping spree at the mall?
If we have a better understanding of our basic needs, and avoid the trap of wants and desires (at least kept to a minimum), we can manage our spending better. And limit the buildup of debt that we may not be able to pay off.
Inner voice of needs
We have an “inner voice”. Sometimes that inner voice can lead us astray. The less skilled or experienced we are at something, the harder our inner voice works to convince us that we are brilliant at it. And that's good, up to a point. When we look to fulfil our needs, we may have a strong tendency to turn our desires, wants and preferences into self-talk or dogmatic thoughts of “I should”, “I must”, “I need”, “I want”, “I always”. These statements overwhelm our otherwise rational spending attitude.
Perhaps you recall your “inner voice” saying things like: “I always hang out with my friends at Cooler Bar on Fridays. If I don't, I will feel that my week is not complete.” or “I need to buy a pair of the top price FastFeet running shoes for my gym workout; otherwise, my feet will get sore from running on the treadmill.” Learn to question these dogmatic statements when you hear your “mischievous inner voice”.
Use the power of the most successful advertiser to your personal benefit. Don't “Just do it” when you hear yourself saying statements like: “I need”, “I always” or “I have to”. Instead of being
misconstrued by your self-talk, “Think different” and make a decision only based on your genuine needs.
The need for convenience'
These days, people seem to be living a hectic lifestyle in an urban city where time is limited. We have so much to do, yet there's so little time. For instance, some will spend hours in the office or stuck in traffic, then end up not spending time to cook dinner. Instead, we have our dinner in the restaurant or make a call for home delivery.
Some of us are constantly looking for services or items that can save time, are easy to use and give us the “convenience” we want. We are willing to pay more for services that provide convenience including an express service or online booking. And our credit card provides the convenience for us to spend, spend and spend.
Anything that provides convenience has become a “need” for us, to the point that we will spend money to achieve convenience. In short, we strive for a “lifestyle of convenience” at a price a symptom of a developed country with constant inflationary pressure!
Future needs and wants
In the business world, merchants, service providers and manufacturers who experience overpricing of resources and high operation costs will pass the higher costs to us in the form of higher prices. With the depletion of natural resources, rising labour costs and climate change, we will continually be paying more in the future for the goods and services that satisfy our needs and wants.
If you are a smart consumer, you should be in control of your needs and wants all the time. When you are able to address some of the psychological root causes of your needs and unnecessary spending, you will be in a better position and state of mind to manage your personal finances.
Just spend a moment to reflect upon some of your past decisions. Very likely, you will notice that inside you lurks “a mischievous inner voice” that is forever cajoling you into an inflated sense of your own power.
So, before you spend your next dollar during the festive holiday, you need to keep asking questions like an inquisitive five-year old. It is always safer to make a habit of asking questions over and over again to test your needs and spending decisions so that you don't have regrets later in life.
Carol Yip/Thestar
Well, how good is your self control? Are you controlling your urge to buy with the money from your year-end bonus? Or are you affected by the never-ending stream of news and endless advertisements promoting new products and fantastic prices? Do you find it difficult to avoid the temptation?
Triggers that stimulate needs
There's lots of “noise” around us every day that influences our spending decision-making process. So, why are we easily swayed by such temptation; wanting more than necessary? This is because our different wants and desires are driven by our five senses: what we see, hear, taste, smell and touch.
Our brain's decision-making process is directly triggered by what we see or hear and how we feel. If something stimulates our brain's pleasure centre through these senses, we want as much of it as we can get. When our emotions are aroused, they often overwhelm our good sense and we end up making a purchase to maximise the “good feeling”.
Merchants and advertisers know our human weaknesses very well. For that reason, I caution you not to be easily fooled by your own biological triggers that stimulate emotional spending.
Illusion of basic needs
In reality, there are many temptations driven by our needs and wants. We must try to control those temptations, but still maintain a healthy level of self-esteem.
We have several basic need drivers: survival, fun, happiness, love, and relationship. Advertisers try to link their products to these basic needs. We often find it difficult to differentiate between our basic needs and the wants that are persuasively substituted via various media. This confusion has a direct impact on our spending decisions.
Survival is our most basic need. Besides survival, we need to have a sense of security and to be physically healthy. Hence, we have biological need that is critical for our continued existence and physical well-being. We must have social needs in the form of love, a sense of belonging with people, relationships by affiliation with and acceptance by others. Some of us spend money to express our love, affection and friendship to the loved ones, family and friends.
Self-esteem needs achievement, respect, approval and recognition from loved ones and people who are important to us. These are the needs that drive our positive self-esteem, self-worth or self-image. Without these needs, we may experience anxiety, depression, stress or helplessness because we will not able to fulfil our personal potential.
None of us are perfect, and daily life brings us into constant collision with evidence of our own incompetence and inadequacies. If we listen to negative feedback and don't create what psychologist call “positive illusions” our self-esteem will go through the floor. Sometimes we will use spending as a mechanism to boost our bruised self-esteem. Does a bad day at the office seem to always end up with a shopping spree at the mall?
If we have a better understanding of our basic needs, and avoid the trap of wants and desires (at least kept to a minimum), we can manage our spending better. And limit the buildup of debt that we may not be able to pay off.
Inner voice of needs
We have an “inner voice”. Sometimes that inner voice can lead us astray. The less skilled or experienced we are at something, the harder our inner voice works to convince us that we are brilliant at it. And that's good, up to a point. When we look to fulfil our needs, we may have a strong tendency to turn our desires, wants and preferences into self-talk or dogmatic thoughts of “I should”, “I must”, “I need”, “I want”, “I always”. These statements overwhelm our otherwise rational spending attitude.
Perhaps you recall your “inner voice” saying things like: “I always hang out with my friends at Cooler Bar on Fridays. If I don't, I will feel that my week is not complete.” or “I need to buy a pair of the top price FastFeet running shoes for my gym workout; otherwise, my feet will get sore from running on the treadmill.” Learn to question these dogmatic statements when you hear your “mischievous inner voice”.
Use the power of the most successful advertiser to your personal benefit. Don't “Just do it” when you hear yourself saying statements like: “I need”, “I always” or “I have to”. Instead of being
misconstrued by your self-talk, “Think different” and make a decision only based on your genuine needs.
The need for convenience'
These days, people seem to be living a hectic lifestyle in an urban city where time is limited. We have so much to do, yet there's so little time. For instance, some will spend hours in the office or stuck in traffic, then end up not spending time to cook dinner. Instead, we have our dinner in the restaurant or make a call for home delivery.
Some of us are constantly looking for services or items that can save time, are easy to use and give us the “convenience” we want. We are willing to pay more for services that provide convenience including an express service or online booking. And our credit card provides the convenience for us to spend, spend and spend.
Anything that provides convenience has become a “need” for us, to the point that we will spend money to achieve convenience. In short, we strive for a “lifestyle of convenience” at a price a symptom of a developed country with constant inflationary pressure!
Future needs and wants
In the business world, merchants, service providers and manufacturers who experience overpricing of resources and high operation costs will pass the higher costs to us in the form of higher prices. With the depletion of natural resources, rising labour costs and climate change, we will continually be paying more in the future for the goods and services that satisfy our needs and wants.
If you are a smart consumer, you should be in control of your needs and wants all the time. When you are able to address some of the psychological root causes of your needs and unnecessary spending, you will be in a better position and state of mind to manage your personal finances.
Just spend a moment to reflect upon some of your past decisions. Very likely, you will notice that inside you lurks “a mischievous inner voice” that is forever cajoling you into an inflated sense of your own power.
So, before you spend your next dollar during the festive holiday, you need to keep asking questions like an inquisitive five-year old. It is always safer to make a habit of asking questions over and over again to test your needs and spending decisions so that you don't have regrets later in life.
Carol Yip/Thestar
Tuesday, November 20, 2012
How to be debt-free
Lee says that it is a matter of discipline and people should cultivate good spending habits and stick to them.However, it's not a goal that cannot be realised. Here are some tips to follow to become debt-free.
Evaluate your position
CTLA Financial Planners Sdn Bhd managing director Mike Lee says being debt-free comes down to one factor discipline.
“It's a matter of discipline. One should cultivate good spending habits and stick to them,” he tells StarBizWeek.
Whitman Independent Advisors Sdn Bhd managing director Yap Ming Hui says a person should “draw up a table” and list down his or her ongoing debt obligations.
“A person needs to take stock of the loan that they have. Make a table, list down the financial institution, type of loan, the loan amount and the interest rate.
“After that, you need to rank it and work out a savings plan to settle it every month. You should of course put more emphasis on the debt with the highest interest rate,” he says.
Pay off your existing debts
Standard Financial Planner Sdn Bhd's Jeremy Tan concurs: “With the cash you have, work towards cancelling debts with the highest interest rates.”
Tan says interest on credit card debt is the highest, followed by personal loans and then vehicle loans.
“Interest rates of personal loans are comparable to those of credit cards. As for vehicle loans, these can stretch up to nine years.
Foo:
‘If one has a lot of consumption debt, it should be paid off as soon as
possible but productive debt is okay to build your assets.’The next debt in line that needs to be settled is the housing loan, he says.
MyFP Services Sdn Bhd managing director Robert Foo, however, points out that not all debts are bad.
He says one should distinguish between consumption debt (such as credit cards), and productive debts which one gets when running a business or buying a property.
“If one has a lot of consumption debt, it should be paid off as soon as possible. Productive debt meanwhile is okay to build your assets.”
Yap says not all debts need to be settled immediately.
“If you have debts that have an interest rate of about 4% per annum, but you are investment-savvy and generating between 8% and 10% in returns annually, then you don't need to settle your debts so soon.
“Instead of repaying a loan, you should be investing the money. If you end up paying the loan, then you may not have money to invest and generate more income.”
Yap, however, says that only if interest rates increase should a person consider settling their debt as soon as possible.
Chuah: ‘Most people believe that they will be able to pay off their debts eventually but a lot of times, that’s not the case.’Apart from trying to avoid future debts, Success Concepts Life Planners chief executive officer Joyce Chuah says people should be smart in their repaying habits.
“Debt-trappers to be avoided include instalments plans, which are essentially easy payment plans for a particular product. You should only opt for these if they are interest free.”
Foo says people need to be more forward-looking when taking on debts.
“It is a question of discipline. Many people are not forward-looking. Most people believe that they will be able to pay off their debts eventually. A lot of times, that's not the case.”
Chuah adds that individuals just need to be more cautious and avoid taking on financial obligations if possible.
“Never agree to act as a guarantor. One should also know what he or she is spending on. A lot of us tend to spend mindlessly.”
Tan concurs: “Avoid buying on impulse. Work out what you need and don't need. Using a debit card is also a good alternative instead of a credit card.”
Have a good plan
Of course, it helps to have a good financial plan from the start.
“Look at your financial situation. A lot of things can go against you. For instance, your business may fail or interest rates can go up - which can end up being a problem,” Foo points out.
Lee says someone that does not have a financial plan will eventually be heading for disaster.
“If you have no plan, than you are directionless. If you don't have a plan of your own, consult an expert, such as a financial planner,” he says.
TheStar
拒绝“裸奔”
大家都明白凡是投资都会有风险，都会琢磨如何选择适合自己风险承受能力的投资方式，那人生的风险，你想过怎么抵御或者转嫁吗？
意外事故的发生不仅给亲人的心理带来了严重的创伤，也给整个家庭带来了沉重的经济负担。
据统计，在多起意外事故中，购买了商业意外险的人并不多，人们总是等到事故发生了才追悔莫及。
多数人没有投保的原因，主要是抱有侥幸心理，认为不幸发生的几率很小，再考虑到相对并不便宜的保费，最后放弃投保，选择“裸奔”。
天有不测之风云，人有旦夕之祸福。每个家庭和每个人的一生都不会一帆风顺、永远太平，都会面临着各种各样的风险。
比如说：房屋及其他家庭财产，可能因火灾而受到损毁的风险；家里的水管破裂，可能使家中的木地板受损的风险；如果已经购买了汽车，则汽车有可能被 盗，或者在行驶时撞上大树而受损的风险；自己的车辆可能会撞坏另一车辆，从而要对受伤的被撞司机、被撞坏的汽车甚至受伤司机的收入损失承担赔偿责任的风 险；自己家的狗在外面玩耍时咬伤了邻居家孩子的手，从而要承担赔偿责任的风险；家庭成员可能生病而发生巨额的医疗费用的风险；家庭成员可能由于疏忽而发生 交通事故，因意外伤害而导致死亡或残疾的风险；这些风险给大家带来了许多伤害，不仅仅是经济的伤害，更多的还是感情的伤害。
保险是以合同的形式确立双方的经济关系，集合多数单位或个人的资金，用科学的方法，共同聚资，建立专用基金，对遭受约定的灾害事故所致的损失或约定事件的发生，进行经济补偿或给付的一种经济形式。
保险的实际作用
保险是我们经常接触到的理财工具之一，但很多人对保险有着误解和偏见。
你真的了解保险吗？
保险对保护我们的资产有什么实际作用？
1.保险不是保险柜，也不是一劳永逸的，不能片面分析买得对还是错，它需要定期或不定期地检视这个够不够，合适不合适，自己承担不承担得了？
2.保险不是万能的，也别奢求它能万能。
3.保险像脱穿衣服和添置衣服，是需要动态配置、调整和管理的，而且还需要根据自己身分的变化和财富的增加等各种因素来看。（比如单身、小两口、三口之家或其他，比如年收入支出以及其他可预期的变化等）。
4.保险还是很重要的，人的一生会碰到各种各样的问题，突发情况经常会让人措手不及，我们应当未雨绸缪，保险可能是个不错或者不可忽略的选择。
5.别把保险想得太邪恶，也别把它想得太神圣和高尚。认清它该有的作用做你理性的选择就可以了。
6.可以对保险公司有偏见，也可以对保险代理人或经纪人有很多看法，但没必要对保险本身有偏见，因为它本身不带有危害，也不是瘟疫，产生变异的是人为因素。
所以，我们最需要做的就是，要在选择保险的时候，慎重考虑保险公司、挑选适合自己的保险产品以及选择正直可靠适合的并且热爱它自己职业的保险代理人或经纪人。这显得尤为重要。
区别保险与储蓄
保险和银行储蓄都可以为将来的风险作准备，但它们之间有很大的区别。
1.用银行储蓄来应付未来的风险，是一种自助行为，没有把风险转移出去。保险投资能把风险转移给保险公司，实际上是一种互助合作的行为。
2.银行储蓄存取自由。保险带有强制储蓄的意味，能帮助投保人迅速积累一笔资金，但只有在保险期满或保险事故发生时才能拿到。
3.储蓄金额包括本金和利息，是确定的。在保险中能得到的钱是不确定的，它取决于保险事故是否发生，而且金额可能远远高于所缴纳的保险费，不过在某些险种中，如定期养老险得到的钱是确定的。
4.存在银行的钱还是自己的，只是暂时让给银行使用。投保人买保险花的钱归保险公司所有，保险公司按保险合同的规定履行其义务。
虽然我们无法阻止悲剧的发生，但是我们需要一份全面坚实的意外保障来抵御无处不在的意外风险，帮助我们减少意外造成的伤害和负担，给自己和家人撑起安全保护伞。
“有养家义务的人，不买保险就是失责。”墨尔基在《稳健理财十守则》一书中说。
一个有责任感的人对父母、妻子、儿女真爱的表现，在于他对这个幸福的家庭有万全的准备，拥有适当的保险是一种道德责任，是国民应负起的义务。
因此，我们的理财原则是：先针对人生可能的风险投保，再谈投资。
罗凤琴/南洋商报意外事故的发生不仅给亲人的心理带来了严重的创伤，也给整个家庭带来了沉重的经济负担。
据统计，在多起意外事故中，购买了商业意外险的人并不多，人们总是等到事故发生了才追悔莫及。
多数人没有投保的原因，主要是抱有侥幸心理，认为不幸发生的几率很小，再考虑到相对并不便宜的保费，最后放弃投保，选择“裸奔”。
天有不测之风云，人有旦夕之祸福。每个家庭和每个人的一生都不会一帆风顺、永远太平，都会面临着各种各样的风险。
比如说：房屋及其他家庭财产，可能因火灾而受到损毁的风险；家里的水管破裂，可能使家中的木地板受损的风险；如果已经购买了汽车，则汽车有可能被 盗，或者在行驶时撞上大树而受损的风险；自己的车辆可能会撞坏另一车辆，从而要对受伤的被撞司机、被撞坏的汽车甚至受伤司机的收入损失承担赔偿责任的风 险；自己家的狗在外面玩耍时咬伤了邻居家孩子的手，从而要承担赔偿责任的风险；家庭成员可能生病而发生巨额的医疗费用的风险；家庭成员可能由于疏忽而发生 交通事故，因意外伤害而导致死亡或残疾的风险；这些风险给大家带来了许多伤害，不仅仅是经济的伤害，更多的还是感情的伤害。
保险是以合同的形式确立双方的经济关系，集合多数单位或个人的资金，用科学的方法，共同聚资，建立专用基金，对遭受约定的灾害事故所致的损失或约定事件的发生，进行经济补偿或给付的一种经济形式。
保险的实际作用
保险是我们经常接触到的理财工具之一，但很多人对保险有着误解和偏见。
你真的了解保险吗？
保险对保护我们的资产有什么实际作用？
1.保险不是保险柜，也不是一劳永逸的，不能片面分析买得对还是错，它需要定期或不定期地检视这个够不够，合适不合适，自己承担不承担得了？
2.保险不是万能的，也别奢求它能万能。
3.保险像脱穿衣服和添置衣服，是需要动态配置、调整和管理的，而且还需要根据自己身分的变化和财富的增加等各种因素来看。（比如单身、小两口、三口之家或其他，比如年收入支出以及其他可预期的变化等）。
4.保险还是很重要的，人的一生会碰到各种各样的问题，突发情况经常会让人措手不及，我们应当未雨绸缪，保险可能是个不错或者不可忽略的选择。
5.别把保险想得太邪恶，也别把它想得太神圣和高尚。认清它该有的作用做你理性的选择就可以了。
6.可以对保险公司有偏见，也可以对保险代理人或经纪人有很多看法，但没必要对保险本身有偏见，因为它本身不带有危害，也不是瘟疫，产生变异的是人为因素。
所以，我们最需要做的就是，要在选择保险的时候，慎重考虑保险公司、挑选适合自己的保险产品以及选择正直可靠适合的并且热爱它自己职业的保险代理人或经纪人。这显得尤为重要。
区别保险与储蓄
保险和银行储蓄都可以为将来的风险作准备，但它们之间有很大的区别。
1.用银行储蓄来应付未来的风险，是一种自助行为，没有把风险转移出去。保险投资能把风险转移给保险公司，实际上是一种互助合作的行为。
2.银行储蓄存取自由。保险带有强制储蓄的意味，能帮助投保人迅速积累一笔资金，但只有在保险期满或保险事故发生时才能拿到。
3.储蓄金额包括本金和利息，是确定的。在保险中能得到的钱是不确定的，它取决于保险事故是否发生，而且金额可能远远高于所缴纳的保险费，不过在某些险种中，如定期养老险得到的钱是确定的。
4.存在银行的钱还是自己的，只是暂时让给银行使用。投保人买保险花的钱归保险公司所有，保险公司按保险合同的规定履行其义务。
虽然我们无法阻止悲剧的发生，但是我们需要一份全面坚实的意外保障来抵御无处不在的意外风险，帮助我们减少意外造成的伤害和负担，给自己和家人撑起安全保护伞。
“有养家义务的人，不买保险就是失责。”墨尔基在《稳健理财十守则》一书中说。
一个有责任感的人对父母、妻子、儿女真爱的表现，在于他对这个幸福的家庭有万全的准备，拥有适当的保险是一种道德责任，是国民应负起的义务。
因此，我们的理财原则是：先针对人生可能的风险投保，再谈投资。
Sunday, November 18, 2012
個人理財10大黃金法則
一、三思而後行
無論是比較度假的旅遊套餐和點菜的價格，還是查詢某公司是否合法，事前的研究都是很有必要的，磨刀不誤砍柴工。
二、量入為出
想要做到真正的獨立，就必須學會量入為出。任何人的自由都會受到金錢的束縛，無論是信用卡公司的老總還是賦閒在家，因此，想要過上不受束縛的生活，就要學會通過儲蓄來得到自己想要的東西，並學會有計劃的開支。
三、努力工作
你的工作與所能支配的工資，是你建立財富的最大來源。努力工作，努力使自己一步步成長為不可或缺的人才，盡可能的邁向成功。
四、有預算的採購
在採購之前先問自己幾個問題：我喜歡它嗎？我穿它或者用它的頻率高嗎？我買得起嗎？別的地方有沒有更便宜的？
五、懂得花錢
如果不能時常在周圍人面前擺闊炫富，手裡捧著大量現金有甚麼意義呢？將部份可自由支配的現金列入預算，買一些你並不是迫切需要但會讓自己開心的東西。
六、為快樂而奮鬥
找一份能讓你多數時間都感到開心的工作，為了發現甚麼能讓你獲得自我滿足感，花點代價是值得的。如果由於某種原因，你必須接受不理想的職位，最起碼你應儘量發現可以使自己開心的事來結束每一天。
七、直面自己的缺點
人無完人，承認你的弱點並盡最大努力提昇自己會讓你不斷成長。花費點時間在自己身上，努力讓自己成為最完美的人。
八、重質不重量
用你辛辛苦苦賺的錢，去買一些3個月就會壞的東西來裝滿你的壁櫥是一種愚蠢的行為。
買一些經久耐用的東西而不是單純的追求數量，你會成為高品質生活的主人，而這些質量好的東西也會讓你感覺到它們物有所值。
九、建立目標外的目標
培養一種感覺，就是完成舊的目標時，要採取行動去建立新的目標。無論是存錢去你一直嚮往的地方度假還是考慮職業生涯中的下一個目標，總有一些能給你動力和激勵。
十、儲蓄，以備不時只需
我們都有退休的那天，現在就是存錢的最好時間。黃金年是不可避免的。此外，我們平時應為不時之需未雨綢繆，如失業或突發重病。
因此，即使出現突發狀況，我們也還繼續控制我們的財政。
星洲日報
二、量入為出
想要做到真正的獨立，就必須學會量入為出。任何人的自由都會受到金錢的束縛，無論是信用卡公司的老總還是賦閒在家，因此，想要過上不受束縛的生活，就要學會通過儲蓄來得到自己想要的東西，並學會有計劃的開支。
三、努力工作
你的工作與所能支配的工資，是你建立財富的最大來源。努力工作，努力使自己一步步成長為不可或缺的人才，盡可能的邁向成功。
四、有預算的採購
在採購之前先問自己幾個問題：我喜歡它嗎？我穿它或者用它的頻率高嗎？我買得起嗎？別的地方有沒有更便宜的？
五、懂得花錢
如果不能時常在周圍人面前擺闊炫富，手裡捧著大量現金有甚麼意義呢？將部份可自由支配的現金列入預算，買一些你並不是迫切需要但會讓自己開心的東西。
六、為快樂而奮鬥
找一份能讓你多數時間都感到開心的工作，為了發現甚麼能讓你獲得自我滿足感，花點代價是值得的。如果由於某種原因，你必須接受不理想的職位，最起碼你應儘量發現可以使自己開心的事來結束每一天。
七、直面自己的缺點
人無完人，承認你的弱點並盡最大努力提昇自己會讓你不斷成長。花費點時間在自己身上，努力讓自己成為最完美的人。
八、重質不重量
用你辛辛苦苦賺的錢，去買一些3個月就會壞的東西來裝滿你的壁櫥是一種愚蠢的行為。
買一些經久耐用的東西而不是單純的追求數量，你會成為高品質生活的主人，而這些質量好的東西也會讓你感覺到它們物有所值。
九、建立目標外的目標
培養一種感覺，就是完成舊的目標時，要採取行動去建立新的目標。無論是存錢去你一直嚮往的地方度假還是考慮職業生涯中的下一個目標，總有一些能給你動力和激勵。
十、儲蓄，以備不時只需
我們都有退休的那天，現在就是存錢的最好時間。黃金年是不可避免的。此外，我們平時應為不時之需未雨綢繆，如失業或突發重病。
因此，即使出現突發狀況，我們也還繼續控制我們的財政。
星洲日報
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