Thank you so much for the suggestion. Over the years, I've built my own Excel model to do exactly what the app does. I am going to install it and compare them in terms of functionality.elserge82 wroteI use money manager ex app or called MMex. for better visibility. (Money wise for sure)
What choices in your life that you made are worth sharing ?
Probably the most interesting topic I've seen in a while. Awesome seeing everybody's feedback.
Personally I found that even if it means being out of a job for a while, taking the time to try things out and make sure you're on the right path is really important.
You can only last so long doing a job that you're not passionate about.
Personally I found that even if it means being out of a job for a while, taking the time to try things out and make sure you're on the right path is really important.
You can only last so long doing a job that you're not passionate about.
I'm glad you asked! It's generally minding your own business by default unless asked. What I generally do is assess whether my answer/opinion would be to someone's expectations (judging by the conversation) and if asked, make sure that the person knows that you're giving your full honest opinion. Believe it or not, this normally reduces the shock from your answer as you prepped the person you're conversing with.rolf wrote Regarding being honest I agree, and I believe that am honest by default, however my main issue is: when do I walk up to people and give them my honest opinion, and when do I just mind my business?
The above applies to people you care about. The random folk you converse with, well, I generally don't care about their reactions, so i'm forward with them. (which is why many conflate honesty with aggression/rudeness/arrogance)
It's a little bit more complex with kids as your words can be quite destructive. Unlike grownups, kids have not become fully attached to ideologies and thus you can avoid being completely honest by simply putting them on track[1] to figure things out themselves.I'm a bit surprised, by the way, that you would not be honest with kids. I know they can be very annoying at times, and maybe they should know when they are annoying. However yes they're kids so you gotta keep that in mind and treat them as such, eventually they will (hopefully) learn to behave and grow into adults. The feedback that you are giving them would help the process.
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[1] by on track i mean what I believe is the proper track as a parent not a brainwashing track
Creating accounts for the first time would take some time, but once you get familiar with it. I'm sure it is far more advanced than your excel.If you need any advice or help do not hesitate to contact me.Xsever wroteThank you so much for the suggestion. Over the years, I've built my own Excel model to do exactly what the app does. I am going to install it and compare them in terms of functionality.elserge82 wroteI use money manager ex app or called MMex. for better visibility. (Money wise for sure)
NB: I used to have an inexfinance.com account and I lost all entries after closing this site. Now I am backing up and managing my own database. I can go back to 4 years daily transactions.
This forum definitely needs a THANKS/LIKE button.
On the subject, it worries me that I was thinking about it for like 15min and couldn't find anything positive that I consider a decision/choice worth sharing...
I may have some that I consider negative, that I might share:
1- Don't marry for the sake of getting married. Know what you're getting into. It IS tough and demanding. Better not do it if you feel you're not up to that.
2- Don't study engineering unless you are sure you can start your own business. It's so overrated and people think you make a fortune while being an employed engineer isn't so profitable or nice, at least IMO.
3- Study well all the aspects of a house before buying it. I'm now dealing with issues and regrets after I bought my house VERY quickly and stupidly... Check its location first, think about your wife and kids in the future, schools, universities maybe; it better be close to your parents or your wife parents, if married/planning to; check its condition, its size, surrounding; check its legal stated, payments, etc.... and lots of other stuff.
On the subject, it worries me that I was thinking about it for like 15min and couldn't find anything positive that I consider a decision/choice worth sharing...
I may have some that I consider negative, that I might share:
1- Don't marry for the sake of getting married. Know what you're getting into. It IS tough and demanding. Better not do it if you feel you're not up to that.
2- Don't study engineering unless you are sure you can start your own business. It's so overrated and people think you make a fortune while being an employed engineer isn't so profitable or nice, at least IMO.
3- Study well all the aspects of a house before buying it. I'm now dealing with issues and regrets after I bought my house VERY quickly and stupidly... Check its location first, think about your wife and kids in the future, schools, universities maybe; it better be close to your parents or your wife parents, if married/planning to; check its condition, its size, surrounding; check its legal stated, payments, etc.... and lots of other stuff.
I will add a few things:
1. Stay away from constantly negative people---they serve nothing but to complain and bring those around them into a worse mood.
2. As stated before, find a way to unwind/ let your frustrations out in a good way. Go to the beach or mountains, train at gym, play golf---doesn't matter, just find an outlet to release your stress. You and the others around you will thank you.
3. Treat everyone well from people cleaning the streets to maids to CEO;s and political figures---this country has a bad reputation with how people treat others--be one of those that tries to change that perception.
I could give a financial bit, but that is for another topic.
1. Stay away from constantly negative people---they serve nothing but to complain and bring those around them into a worse mood.
2. As stated before, find a way to unwind/ let your frustrations out in a good way. Go to the beach or mountains, train at gym, play golf---doesn't matter, just find an outlet to release your stress. You and the others around you will thank you.
3. Treat everyone well from people cleaning the streets to maids to CEO;s and political figures---this country has a bad reputation with how people treat others--be one of those that tries to change that perception.
I could give a financial bit, but that is for another topic.
Someone on the first page of this post mentioned time value of money and that taking a loan could be a good thing when you invest your money elsewhere. If you have money to invest in risky things like stocks and bonds, don't get a loan. If you're putting your money in the bank for a credit interest, don't get a loan because it's the SAME INSTITUTION that are taking your deposit and giving you a loan, you're just burning money for nothing. Just pay for it cash and force yourself to re-save up the amount. Don't get a loan for anything unless you absolutely need to, and this is coming from a bank employee. Seriously, don't do it.
Nice topic, some of the feeds I found helpful to me, thanks guys.
For me I naturaly thought of the negative things first but if I give it much thought I can point out the positive choices but I will only say the below for now:
I was too specific to have things happen to me in my own time frame and plan that I end up missing out on some life and now I am 30 and I feel old to do the things I should have done before.
For me I naturaly thought of the negative things first but if I give it much thought I can point out the positive choices but I will only say the below for now:
I was too specific to have things happen to me in my own time frame and plan that I end up missing out on some life and now I am 30 and I feel old to do the things I should have done before.
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Yes some good advice on this thread, thank you!Guitaret wrote I was too specific to have things happen to me in my own time frame and plan that I end up missing out on some life and now I am 30 and I feel old to do the things I should have done before.
Don't be ridiculous you are not that old. You should be able to do all the things that you think you missed, with added bonus of being wise.
Of course I don't mean the extreme stuff like becoming a pro footballer and playing in the world cup. A bit too late for that (although, maybe if you have exceptional genetics and a lot of luck...).
And yes we get a bit dull, it's a normal part of growing up.
But please don't bring yourself down like this.
Great thread. Thank you everyone for the valuable tips.
Here's an age-old trick I learned a while back. When you are in stressful situations, take a step back and ask yourself, "can I do something about this? is this under my control?". If the answer is no, there is no point in being angry. If the answer is yes, focus on doing what you can do handle the situation. Either way, anger will not solve anything.
Naturally, this is easier said than done. I have found meditation to be helpful to widen the gap of time between feeling a negative emotion and reacting to it. By creating that gap, you'll have time to ask yourself the questions above, and save yourself a lot of pain.
Note that meditation does not need to religious or spiritual. Check out Oak or Headspace if you are interested in this.
Here's an age-old trick I learned a while back. When you are in stressful situations, take a step back and ask yourself, "can I do something about this? is this under my control?". If the answer is no, there is no point in being angry. If the answer is yes, focus on doing what you can do handle the situation. Either way, anger will not solve anything.
Naturally, this is easier said than done. I have found meditation to be helpful to widen the gap of time between feeling a negative emotion and reacting to it. By creating that gap, you'll have time to ask yourself the questions above, and save yourself a lot of pain.
Note that meditation does not need to religious or spiritual. Check out Oak or Headspace if you are interested in this.