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Life Bits

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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