Make your life predictable – The 4 types of Savings
The times are changing and uncertain. This post discusses a strategy to make your financial life more predictable.
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Liabilities and Debt
Six steps to financial independence
Achieving financial independence need not be complex and not a privilege of sophisticated investors.
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The Rubik’s Cube of Personal Finance
This post describes the simple to use tools and flows for managing personal finance, whether it is cash flow, debt or investments.
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The Five ways to SIP
Take the financial worries out of your life even in the worst of times.
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How to manage your cash flow
A simple and efficient way to automatically manage personal cash flow
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Five metrics of personal finance
This post gives a simple way to measure and track personal finance health and growth.
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The universal truth about Dave Ramsey’s 7 baby steps
Who doesn’t know of Dave Ramsey? Even my 10 year old kid has been taught about Dave in elementary school mathematics. Dave Ramsey is America’s trusted voice on money and business. Well he is popular for a solid reason. In this post, I will describe why he makes perfect sense to me. When I immigrated to
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The Net worth vs. Cash flow debate
What is your net worth? Let me see, probably close to a million. So what? Are you financially independent? No. Why? ’cause I don’t have enough cash flow to replace my W2 income. Ok then, net worth is a worthless metric. But it projects my comfort into the future. And so it goes on and
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Don’t twist your ARM, fix it !!!
Refinancing an existing mortgage is a major decision and there are many factors that you take into account, to ensure that you benefit in the long term. I recently refinanced my mortgage from a 30 year 7/1 ARM to a 30 year fixed rate. One of the straightforward reasons of refinancing is when you are
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The Paid Piper of Hamelin
The title is from the childhood story where the Pied Piper helped a town get rid of the rats and drowned them in the river by playing his melodious music. The second part of the story is that after the rats were got rid of, the town did not pay him. So a very sad
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