Author: Esther Goh

Ever catch yourself saying “Man, I remember when you could get a burger for a dollar?” Then you, my friend, have got the basic gist of inflation. Stuff gets more expensive over time – it’s sad but true. I think back wistfully to when petrol cost less than $2 a litre or you could buy […]

“Don’t tell me what you value, show me your budget, and I’ll tell you what you value.” It’s one thing to talk about your financial priorities, but do they actually line up with reality? The proof is in the pudding. If you’re saving for a down payment but spend the majority of your disposable income […]

If you stop and think about it, there are two main parts to your personal money equation: what goes in, and what goes out. Or, in other words, what you make and what you spend. So should you focus on earning more or spending less? The argument for frugality There’s no arguing with the fact […]

I don’t know about you, but I’m feeling particularly motivated for 2019. That might have something to do with the fact I just finished reading The 10x Rule: The Only Difference Between Success and Failure. Essentially, according to author Grant Cardone, real success stems from taking massive action. So don’t settle for small goals. Stretch […]

You know you need a budget. But where do you actually start? How much should you be spending? In this post, I outline three different budgeting formulas so that you can pick one appropriate to your lifestyle. The 50/30/20 budget The Zero-Based Budget The One True Number Budget There are lots of different budgeting approaches […]

Personal finance podcasts for every stage in life Personal finance podcasts seem to have exploded in recent times (or is it just me?) with more joining the scene all the time. Podcasts are a great way to soak up information on your commute, when you’re pottering around the house or just unwinding before bed. Some […]

How do you know if you’re really making progress with your finances? You don’t necessarily need to be across every cent and every market movement, but keeping track of a few key money metrics will tell you if you’re heading in the right direction. Numbers don’t lie! Keeping on top of these stats is pretty […]