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Start investing, step 2.

What do you want to invest in.

Investing is done on the stock exchange. It’s a place where shares and stocks are being bought and sold. There are different stock exchanges, for example London stock exchange or Nasdaq. This used to be a place where suit and tie guys were screaming, selling and buying from each other. Now it is all electronic. You can’t go there directly, you need a broker or a bank to give access to buy or sell stocks. There are a lot of different brokers. They all look quite alike but there are some differences. Most important are the transaction fees and service fees. This varies quite a bit. Best is to choose one that has low fees or no fees. Also there is a difference in user experience and customer service. Most are just fine. My platform of choice is DeGiro. They are low fee and once per month I can even put money in selected index funds without any fees in the ‘kernselectie’.  

Other brokers for example are eToro, Binckbank, Lynx, Plus500, Bux, Trading212 and Meesman. There are many more.

So you selected a broker to start investing. Now you can choose different products. Here I will cover stocks, bonds and ETFs.

If you buy a stock, you own a little piece of a particular company. If dividends are paid, they get paid to you monthly, quarterly or yearly. So you earn by keeping the stock. Also the stock can go up or down so you make a profit or a loss if you sell the stock.

Bonds are a loan to the government or a company. They borrow money and return it at the end of the duration. On top they pay you interest. Mostly bonds are less volatile, a more stable way of investing. Downside is that the yields are generally lower compared to stocks. This is a stable part of your investment portfolio.

ETF or exchange traded fund is a basket of stocks that follow a certain index. Usually this is widespread with hundreds or thousands of different stocks. If you buy an ETF you buy a piece of all the stocks or bonds in that index. Your return is the same as the index in total and you don’t need to buy all the individual stocks. This saves a lot of transaction fees and you can start with a smaller budget. Because ETFs spread over so many stocks, if one company doesn’t make a profit, another will make up for it. Also ETFs are passively managed because they simply follow the market. This results in lower fees then actively managed funds (investment funds).

So how do I buy all of them stocks?

If you want to buy (or sell) a stock or bond or ETF, you place an order. This is you saying you want to buy a certain amount of stocks for a certain price. Of your order has been executed, you bought a stock.

An example. I want to buy Vanguard FTSE All-World UCITS ETF at DeGiro. First I have to sign up at DeGiro. When I have a working account I deposit the money I want to invest from a checking account. In the search bar I type vanguard. It looks like this.

I choose the first one because it is in the kernselectie and I can buy it without transaction fees once per month.

The green K is for buy. Click.

Now you will see the following (but with other figures).

On top there is the title of the ETF. Then it says the abbreviation VWRL, et cetera.

Below is the current price. R is for realtime price.

The bid and let.

The bid is the highest price a buyer is willing to buy the share for.

The selling price is called the ask price or let (here laat). This is the lowest price a seller wants per share.

There is space in between, you call this the spread. In this example the spread is 2 cents. That is the space between the highest bidder and the lowest seller. When the market is open, this changes every few seconds.

Then it says buy in the green (koop) and sell in the red (verkoop).

Next to it is dayorder. You can choose day order or a continuous order.  When you set a limit for that day (day order) and the transaction is not made, the order will disappear. If you choose continuous order, the order will stay.

Below that is limit order on the pulldown menu.

There are different types of orders. We will briefly review them.

Limit order. This is the most common. You want to buy a certain amount of stocks for a certain price. When the price of the stock is equal to the price you put in the order, the stock will be sold to you. When the price is not reached, the deal is off. The closer your price is to the price of the stock, the higher the change your order will be executed.

Market order. With a market order you buy for the best market price on the moment of the transaction. So you only put the amount of stocks in your order, not the price you want to pay for it. Only do this when the stock exchange is open. This way you will buy around the price of the stock. A lot can happen to the price when the exchange is closed and you might pay a lot more if the value has gone up.

Stoploss order. A stoploss order is ment to protect you from big losses. If the stock you own falls below a certain price, you can use a stop-loss order to set the stock to be sold at the set price. If the stock exchange is closed and the price falls below the set stop loss, the share will be sold at the then current price. To prevent this, a stop limit order can be set. This indicates that your share cannot be sold for less than the set price.

So if you want to buy the share keep it on limit order, at limit put the same amount as the let. At amount type in the amount you want to buy. In this example two. Right of the amount (in this example two) the total price is filled in automatically.

It should look something like this.

Click place order and your first purchase is a fact. You are now an investor in more than 6000 companies!

Happy investing!


I am not a Financial advisor nor am I YOUR financial advisor. I am not a trained financial professional. This blog is for entertainment purposes only.

Start investing, step 1.

Before starting investing you have to be clear on why, how and how long you want to invest. Do you want to spend hours a week watching the news and trends, do you want to actively trade or do you want to set and forget? Put everything in at once or rather invest some every month?

How will you react when there is a recession or a crisis? Will you panic? Will you sell everything at the lowest point out of panic and buy back when it is higher? You have to be clear on that. It makes all the difference.

What can I say, I can put a picture of Wallstreet or whatever here but look at him! It’s Vladimir but two years ago!

Why do you want to invest? Some answers here could be: For my (early) retirement, for my kids, for rainy days, buying a house etcetera. Get really clear on why you want to invest. This way you have more focus on actually doing it. For me the answer is to save up for early retirement and to buy a homestead just outside the city.

How long do you want to invest? Don’t invest money you need soon. Only invest with money you don’t need. Yes I say that double because it is important. There will be times when the market goes up for a couple of years in a row but there will always be crisis waiting. We just don’t know when. If you need your investments when the market is very low, you have to sell when you are in loss. That would be sad and is not the point. Wait the crisis out. As long as you stay in the market your assets will go up again. Sometimes you have to sit it out a couple of years. Investing is for the long run. In 10, 15 or 20 years you will always be at a win if you invest in Exchange Traded Funds (ETFs). More on that later.

‘Compound interest is the eight wonder of the world. He who understands it, earns it… He who doesn’t, pays it.’

Albert Einstein

How much time do you want to spend investigating the market? This is a very personal thing. You can be an active trader. Beating the market would be cool and if you look at some forums it is achievable. It is persuasive but remember: people tell everybody about their wins but rarely about the losses. If you want to be an active trader, make sure to watch the world news, watch the different companies and read a lot of books about the topic. If you invest in companies, you have to get to know the company very well. Have an opinion and be prepared to win more than average, but at a greater risk to lose more than average as well. Active trading is time consuming.

Another option is to ‘set and forget’. Meaning you will put money in an index fund regularly (every month for example) and not look to time the market. I choose ETFs (index funds) with low fees and wide coverage of the market and I know my assets will go up with the market at the same pace (or down). This requires a lot less time, effort and knowledge. Average returns will be between 5-8% annually. This will vary every year but talking about the long run. 

Do you put your money in all at once or over time? For me I do it over time. Every month I put what I have left in an index fund. I try and make that the same amount every month. This way I don’t need to time the market (although I try and look for the lowest point in that month). Remember: Time in the market beats timing the market. The earlier you are in, the better the results will be over time. Compound interest is real and you should let it work in your favor. Maybe if you inherited or otherwise found a large sum of money you would like to invest, you could do it at once but most people don’t regularly find themselves in that situation so we will go with every month.

Panic selling at a loss? If you panic sell because the digit turned red for you, maybe investing isn’t for you. The market is volatile, meaning it is going up and down all the time. You have to get used to it if you want to be an investor. This is why it is so important to only invest money you don’t need in the short term. If you need the money in the short term to pay bills and the numbers are down, you will panic. That is normal. We are investors because we don’t want to live paycheck to paycheck and we want to not worry about money anymore. We want to sleep safe and sound, doesn’t matter what the market is up to.

Conclusion: We want to invest for the future. This is personal but we all have dreams don’t we? So we invest for the long run and we don’t want to be on top of the economic news 24/7. Just set and forget. Ideal is putting money in every month and hold. That is what I will focus on here.  

Till Next Time,


I am not a Financial advisor nor am I YOUR financial advisor. I am not a trained financial professional. This blog is for entertainment purposes only.

I want it and I want it NOW!

For me a goal in life is financial freedom. To achieve it, I save money and invest it. This way the money can make money and I get more and more financially free every month. One thing that is keeping me from saving is spending on stuff I don’t need, use and love.

Here is a guide I use to stop myself from (over)spending. Maybe you find value in it as well.

Get to know why you want to stop spending on stuff you don’t need.

Get clear on why you want to save money. For me this is a couple of reasons. I already have all the stuff I need to live a good life. More stuff will cause more clutter, needing me to take more time cleaning, organizing, and maintaining the tranquil home that I desire. Second I have savings goals. I want to save money to retire early and I want to be flexible in the amount of hours/days per week that I work. This way I don’t need to work fulltime but can do with a little less to keep me mentally sane and focus on –for example- writing this blog. The flexibility is a really big one for me.

You don’t just not buy something, that takes a lot of self-discipline. You choose between buying something you don’t need or to save up for your big goal. The choice becomes so much easier if you have the end-goal in mind. Visualize your own end goal, make it super specific. It sometimes still is hard to not spend money, but it will get easier over time. Also sometimes this will still fail and you will buy something you don’t need. I do it too. Don’t be mad at yourself. Sometimes the self-discipline is just not strong enough, and that’s okay.

Stop advertisements from entering your home.

We live in an overly advertised world and get bombarded with stuff on sale that we don’t need. There are ways to make the advertisements come to you in a more moderate way. Here in the Netherlands, once or twice per week we get a big bundle of advertisement leaflets actually on paper in the mail. There is a really good way to not get them. Place a ‘nee-nee’ sticker on your mailbox. They prevent all unaddressed mail from coming in. It saves a lot of paper too! Save the trees yay! They are available at your Township.

For addressed advertisements you can unsubscribe at Postfilter in the Netherlands.

They will unsubscribe any post from certain categories that you choose and filter them out for 5 years. Find out how to stop advertisements from entering your home where you live.

How do I get great deals if I run out of toilet paper or toothpaste? Well, first I don’t run out of toilet paper, I have a complete attic full, you know, just in case ;). But when I need something I go look for the discount online. Don’t fall in this checking every week for new stuff on sale. Only check when you run out of something and actually need it again. All the promotions are to be found online these days and this way I will not get all the unsolicited advertising at my door every week.

Be a cord-cutter.

Another great tip to decrease the amount of advertisement is to cut the cable. Just cancel your cable subscription all together. I did it about 4 years ago and haven’t missed it ever since. I pay way, way less for my Netflix account then I would commercials infused cable. Then I share to even further cut the costs and I get unlimited access to entertainment without commercials. Love it!

Then a couple of weeks ago one of the cats broke the tv, and I didn’t have it replaced. Now I watch TV on my laptop. That is a bit extreme, I have to agree 😉

Guilty as charged.

Delete social media.

Ok this is a little extreme, I know. But bear with me here. A big one but way harder for many, delete social media. This is hard for many because it is so engrained in our lives. Cut down drastically will help as well but deleting all together is great. If this feels like too much unfollow a lot of people and companies and you will get bored of your Facebook or Instagram because there is no more news every minute. I unfollowed basically everyone on Facebook and it got boring quickly. So I deleted it all together. Also I don’t have Instagram, Tiktok or whatever the cool kids use these days. I do spend a lot of time (more then I like to admit) on Youtube, which on my phone does have commercials. On the computer I use an ad blocker which is great. Highly recommend.

Unsubscribe everything.

Have you ever bought something from a web shop? Changes are you did. I know I did! All the shops here are closed except for the supermarket and drugstores. What can you do… Anyway, when you order something, they always hook you up with a newsletter. This contains all the stuff they know you like because you bought it before. Below the newsletter there is a tiny sentence that says ‘Unsubscribe from this newsletter’. Do it for all incoming newsletters that want to sell you stuff.

You will get less distracted and a much more spacious inbox as a bonus.

The thing with discount websites.

Comparison sites are great if you want to check if your internet subscription or your electricity bill can go down. Highly recommend. But websites such as (the discount one, not the dating platform) just list everything with an exceptionally low price. This goes for electronic devices, clothes, free stuff to try, cheap toilet paper and what not. Here in the Netherlands but also in about 15 other countries there is an active community on the website. I tried it for about one month and it was great. There are so many good deals there, you can get everything you ever wanted and more for a great deal. The thing is, I bought all this stuff I suddenly needed because it was a good deal. Not because I needed it. It made me greedy, I want it and I want it now. The fear of a product going up in price just made me buy on impulse. I bought more that month than the previous 4 combined… when I realized I deleted the app all together and didn’t visit the website anymore. It is too tempting guys! I am only human!

All these things combined makes I don’t get as much commercials bombarded at me as the average Joe. Because I don’t see them, I’m not as tempted to buy all the things just because they are a great deal.

Do you have more tips on how to stop overspending? I like to hear from you, please share!

Till next time,


I am not a Financial advisor nor am I YOUR financial advisor. I am not a trained financial professional. This blog is for entertainment purposes only.

There is no such thing as good debt.

I have listened to the minimalists podcast since they started it. I was a reader of the blog before even before that.

Among many other wisdoms they always state the following: ‘There is no such thing as good debt.’ They include every debt, from creditcard debt to car loans, student loans and even a mortgage.

Here is my thought on it. I cannot say anything else then I agree, almost… There is hardly ever any excuse to have personal debt, creditcard debt, car loan or any in that category.

Creditcard debt/personal debt.

You cannot spend money you don’t have to buy things. Period. Don’t do creditcard debt or any other form of personal debt. Not for clothes, not for repairs, not for anything. Maybe, just maybe, for a roof over your head or food. But really, buy the cheapest most calorie dense food and move to a place you can afford. Just don’t go into debt.

Now that that’s out of the way let’s talk car loans.

Car loans

Same goes for car loans. Let’s say you have zero money and you find a job you need a car for. Can you go there by public transport until you save enough to buy a car? Can you borrow somebodies car until you can buy yours? Can you carpool until you can buy yours? It is totally okay to drive a (very) old or (very) small car. I do too, my first car was 950 euros when I bought it and I drove it everywhere. It didn’t have air-conditioning and that is hot in summer. Here in the Netherlands we usually only have a couple of hot weeks but I drove the tiny Lupo through Europe in a road trip of almost 5000km/3000miles back in 2019 when traveling was still an option. Temperatures were above 38 degrees Celsius or 100 Fahrenheit almost all the time and we were driving hours an end with the windows down. It was sweaty and sticky, we had a blast, it was awesome!

The yellow beast, 1900 km from home in Tara National park, Serbia on a roadtrip!

And yes I also drove that thing to work and took coworkers with me when we carpooled. It served me well. Sometimes we were 5 adults in that tiny little car. So glad I was not in the back seat.

It broke down and instead of repairing the 21 year old car I sold it to the car dealer and bought a new used car this month. It was time for an upgrade. This one has electric windows and central door locking! What a luxury! Air-conditioning? Nope. This one is just 18 years old and cost me just 1600 euros. It has extremely low mileage and I think/hope if I treat it well this one will serve me for another 3-8 years. Fingers crossed!

I digress. The point here is, if you have absolutely zero money and you need a car right now, you might want to borrow some money but I really plea for buying something (way) under 3000 euro/dollar. This way you can pay it back AS SOON AS POSSIBLE. Not just the required minimum. No, as soon as possible. If you absolutely hate it, upgrade once you earned some more cash. Trust me you will be extra grateful for all the luxuries like electrical windows.

Next up: Student loans

I’m from the Netherlands and studied here. For this I am very VERY privileged. I studied when we all still got study grants. It’s a monthly payment from the government you could pay tuition and books from. The amount also depended on the income level of your parents, so the less fortunate got a change to go to college as well. A lot has changed, not for the good since 2009 when I started college. I don’t know precisely how it works now but most of the study grants have to be paid back and are a student loan now I believe. But, almost all colleges and universities (except for private ones) have the same fees for the first bachelors or masters you get. For a second degree it’s a different thing but let’s keep that out of the equation. I know this is not the same in every country. If the tuition fees different from school to school, search for a school with relatively low tuition fees. Search for a cheap place to live if the school is not close to where you already live with your parents. This includes sharing kitchen with roommates, sharing bathrooms and toilets with roommates and living tiny. Then if you have ANY time left after studying, spend as much as possible working a side job, especially if you would otherwise ‘waste’ that time chilling, watching Netflix or drinking beer.

On the other side, if you work so much you are going to skip college and fails exams because you work so much, it is best to actually get your degree first and work after you get your degree.  

Also think really long and hard if you even want to go to college or university. Maybe you can get really good at something by working and climbing in position. You have approximately four years to get as good as someone who studied for four years. And don’t have to pay tuition fees that time. You also have about four years to start your own business before your friends from college are done studying and start their job/business. This is a very personal choice but take in consideration.

Onto the debt that is called mortgage.

Buying versus renting can be a tough decision. If you are able to make this decision you probably worked your butt off to be able to buy a house. Congrats on you!

Should you buy a house, even if you could? This is a hard one, depends highly on your life and the place you want to live/are living and how flexible you want to be. In the Netherlands on the long run, buying is cheaper then renting, and after 30 years of paying off your mortgage your house is yours and that is something you don’t have to spend each month. In the short run however, it is debatable. In the expensive areas like Amsterdam, Rotterdam, The Hague and all that is within about an hour drive of those cities, renting is super expensive but buying is super expensive too!

No matter where you live, think about how long you want to live there and make the following calculation. (The next is all calculated with made up numbers)

How much rent or mortgage would I pay over this amount of years (let say 5 years in this example).

How much extra costs would I pay in this 5 years.

For rent this is usually not so much, you don’t have down payment on the house, except for a deposit which you receive back if you leave the place in good condition. If something breaks or gets clogged you call the landlord to fix it, etc.

Do account for rental prices to go up.

Example: You pay 1000 per month in rent and rent goes up 5% each year. In five years you paid about 66.300 in rent.

Now if you buy the same house, how much do you need to pay in 5 years.

This is the monthly payment, the down payment (here it’s between 5-8% of the total amount of the house, realtor, taxes, mortgage etc.), constructions, repairs, home improvement etc. This amount adds up quickly, I know from experience.

You pay 1000 per month on it and because you have a fixed rate, after 5 years it’s still 1000.

You pay 60.000 in five years. Down payment is 12.000, constructions are 30.000 (it needed a new bathroom and desperately some double glass or something like that and some painting or wallpapering that will make it look modern and up-to-date. The plumber comes twice, the heating was broken, there was a flood, you name it. You are probably insured for some of it but it will cost you some as well. Let’s say 5000 total.

Total costs: 107.000

Buying costs 40.700 more than renting in this example. Renting is more profitable in the short run, besides you have a lot less work to do on maintaining the property.

How much is your house worth in that amount of years from now (in this example 5 years). And extract if from the total.  Now here is some guessing but make a good estimate. How much did you actually pay off already? Take that off as well. If you have a low interest rate, this might actually be almost half of your monthly payment.

In this example the value of the property has gone up by 30.000 in 5 years. Marked has gone up and also you improved the house, the bathroom and so forth. If you have a low interest rate you may already have paid off a lot on the house, as (only) about 60% is interest in the first few year, 40% of the monthly mortgage is actually going towards paying it off. Here that is 40% of 60.000 = 24.000.

Now extract both from the initial 107.000 you put in it and you have 107.00-30.000-24.000=53.000.

Renting was 66.300 over 5 years and buying 53.000, now you are at the good end of the equating buying. The longer you own the property, the more in your favor the calculations will be.

Make this calculation for your living area, situation, and time you plan on living somewhere. You can imagine living somewhere for just a couple of years, renting is a good option, but if you want to live somewhere for a long period of time, it can be (way) more profitable to buy.

So, I have to disagree with the Minimalists here. A mortgage may not be a ‘ good debt’. It may be a financial good decision and save you money in the long run.

What is your opinion on debt? Let me know in the comments below!

Till next time,


I am not a Financial advisor nor am I YOUR financial advisor. I am not a trained financial professional. This blog is for entertainment purposes only.

How can I buy Gamestop GME outside of the US.


If you are interested in stocks or finances or if you read the news, you probably heard about Gamestop. I bought GameStop, BlackBerry and AMC Entertainment Holdings stocks. Here is how:


I allready have an account at DeGiro. It’s a low fee broker. The individual stocks require another knowledge test, and i had to take it before i was able to buy the stocks.

After succesfully taking the test, I’m ready. Buying it works the same as buying any other stock or EFT in DeGiro. And it is not blocked.

Open to the following countries:

·  Austria

·  Belgium

·  Czech Republic

·  Denmark

·  Finland

·  France

·  Germany

·  Greece

·  Hungary

·  Ireland

·  Italy

·  Netherlands

·  Norway

·  Poland

·  Portugal

·  Spain

·  Sweden

·  Switzerland

·  United Kingdom


To difersify I also made an account at TradeZero. This can be done worlswide. It took some time but it’s easy to follow the steps. Also the 24/7 chat function works pretty good! I had some trouble transferring money to my account and asked the chat for help. After a little while (They are probably very busy with all the new accounts opening) a real live person was helping me out.

Transferring from the EU to US takes up to 3 days, i will keep you updated when I am able to buy the stocks.


Here is something i like you to think about: Don’t ever NEVER EVER invest money that you don’t have or that you need in the near future. You might lose all or parts of your investments. Invest only in things you are well informed about.

Here is a suggestion on what to do with your money:

Money you need in the next month –> Checking account

Emergency fund of about 3-6 months of expenses –> Savings account

Money you expect to need in the next year or so (i.a. car, holiday, home improvement) –> Savings account

Everything that is left over and you don’t need in the foreseeable future –> Invest it!

80% in large cap indexfunds

10% in bonds or other more conservative ways of investing

10% to play aroound with (crypto/Gamestop/other high speculative things)

Good luck investing!!

Till next time,


I am not a Financial advisor nor am I YOUR financial advisor. I am not a trained financial professional. This blog is for entertainment purposes only.

The 4% rule for financial independence

Do you dream of financial independence? You can achieve it!

Have you ever heard of the FIRE Movement? It started in the USA and is now making its way to Europe. FIRE stands for Financially independent, retire early. People of the FIRE movement work/hustle to earn as much money as they can. They are frugal and spend as little as possible and invest the surplus. This way they can live off of their investments in the future without needing to work. Sounds impossible? It’s really not!


Playing with fire

Return of investment

If you put your money in low-fee investments, the average annual return is about 7-8% a year. Now of course this is on average. Some years it is less and some years it is more. In the FIRE movement the general rule is as follows: If you invest your money and on average you gain 7-8% in returns when you retire you take out of your investments 4% per year. This way you will never run out of money and even account for inflation (your money will grow).

So if you need let’s say 40.000 euro per year, you will need 40.000*25=1.000.000.

(4% of 1 million is 40.000)

One million! That is hard to save up before your actual retirement. This ofcourse depends on what you make and where you live.

But! There is a but! If you happen to only need 20.000 per year, you will need ‘just’ 500.000.

If you need less every month…

I can only speak for myself of course but if I pay of my house entirely, I can almost cut that in half again to live off of. Now i ‘only’ need 250.000. Especially since when I an not working for a boss anymore there is more time for home cooked meals, insourcing, repairing things myself and there is less of the fancy clothes bought just of wearing at the office, less fancy car and less gas because I don’t have to commute every day and I could go on.

free time

All the time in the world to cuddle this cutie pie!

Track your expenses

So I have tracked my expenses to the euro for the past 8(!) years already and I know how much I spent in any given month. So after I pay for the mortgage I usually spend between 600 and 1600 per month on groceries, internet, electricity and everything else combined. That to me is a pretty wide range still, but it’s something I can work with. If I pay off my house in full I will need somewhere between 800-1500 per month to live off.

If I want to retire early I will need:

800 per month = 9600 per year * 25 = 240.000

1500 per month = 18.000 per year * 25 =450.000

Hypothetically I start off with zero, and save 100 per month and have 8% per year return. How long do I need to work to retire?

With 240,000 euro’s I will need to work for 36 years to have saved enough for financial independence. With 450,000 euro’s I will need to work for 45 years to have saved enough to retire. That is 9 years longer!

Now let’s do the same but we save 500 per month starting at zero. With 240,000 euro’s I will need to work 18 years to have saved enough and withfor financial independence 450.000 about 25 years. Sounds a lot better already. And how about 1000 euro’s saved per month? Well 240.000 I need 12 years of work and 450,000 just 17,5 years.

So a person that starts at 20 years old can really retire in their early 30’s if they just live frugal and manage to save a lot. It can be done people! Also if you feel like working ans hustling for 15-25 years straight to then finally do what you love is not what you want? You can do a semi-retirement way before this and work part time and save just a little to non and make your savings more by investing.

What is important to you

Also if you feel like living frugal is not worth it? I really want you to think about what is important in live. Is it to impress people, is it to go to work every day for 45 years straight? Is it to raise your own kids and have some time for your hobbies, is it maybe some fast and expensive car to impress the ladies? Think about it and let the path to financial independence be your own path and not something somebody else expects you to do. Be clear on what makes you happy, what are your goals in life and what you want out of it. Take control of it yourself!

Happy Saving!


I am not a Financial advisor nor am I YOUR financial advisor. I am not a trained financial professional. This blog is for entertainment purposes only.