What is Delayed Gratification?

It’s just recently that I came to discover the word “delayed gratification”.  The words are now more used by financial gurus in delivering motivational speaks to individuals who want to learn more about saving and investing. So what is a “delayed gratification”? According to Wikipedia, Delayed gratification, or deferred gratification, is the ability to resist […]

Credit Card Rebates

Taking Advantage of Credit Card Rebate Programs

They say that credit cards give us a penniless way to buy anything we want, literally. But little did we know that this plastic money, if incorrectly use will bring a lot of financial dilemmas to us. I was once a victim of my own misuse and negligence. And now I learned my lesson well. […]

Liza's budgeting envelope

Budgeting With The Help of An Orange Envelope

I’m sure. you’ve met my Shisha – my cool, mouth-zipped, orange piggy bank. Now, you get to meet my friendly orange envelope which is the keeper of my monthly expenses in credit cards and household bills. She doesn’t have a name though. 😛 This envelope is relatively small and almost the size of a long […]