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5 smart things to do with your year-end bonus

By | Ask Shade, Investment 101 | No Comments

If you’ve received your year-end bonus for the year or you’re expecting it, it can be tempting to consider having a splurge in the name of Detty December or convince yourself you deserve an extravagant treat. But before you throw caution to the wind and deplete that windmill, take some time to consider how you truly want to use it. No matter the size of your hard-earned bonus, you should think about how it can best serve you and your goals in the short and long term. Here are 5 ways to use your year-end bonus to expand its benefits…

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Personal Finance with Raphael: 5 ways to control Emotional Spending

By | Ask Shade, Investment 101, Life Bits | No Comments

Emotional spending is an act of buying something for yourself that you don’t need perhaps don’t even really want, as a result of feeling stressed out, bored, under-appreciated, incompetent, unhappy, or even happy. For instance, when you received a raise or on your birthday. It’s entirely not a bad habit if you can afford to pay for those items seamlessly and have a robust financial plan to cover your goals without having to borrow or struggle to create these plans. Emotional spending could be a destructive shopping spree to compulsive shoppers and could cause continuous damage to one’s wallet if…

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3 ways to achieve more before the year ends

By | Ask Shade, Life Bits | No Comments

The past few months in 2020 have sped by almost in a blur leaving a lot undone and times uncertain all thanks to the coronavirus pandemic. But the remaining three months don’t have to be that way. You can start now to revisit the goals you’ve probably set earlier in the year that you’re yet to pursue and start taking meaningful steps towards achieving them. Here’s a quick guide to help you. Create a plan of action A plan is like a road map that shows you how to get from point A to point B. Whatever goal you have…

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