Being Financial Free - A man who retired comfortably at age 30 explains how much money he had to save.

I have finally cleared 3 out of my four credit cards. I cleared almost RM25,000 in 4 years. I was a real spendtrift. But reading great books like Rich Dad Poor Dad, Richest Man in Babylon and the Wealthy Barber. I made a pact with my self to be financial free. The road was hard, there were temptations along the way but I pulled through with the help from my loving and understanding wife. I have even paid up my housing loan using my Employee Providence Fund. Something I only found out that I could do recently. Well I might not stop working or retire early as I love being in the Food and Beverage Business but I will be financially free. Here is in article on Business Insider on how much money you need to save to be financial free.

A man who retired comfortably at age 30 explains how much money he had to save

After a mere 10 years of working as software engineers, Peter Adeney (better known as “Mr. Money Mustache”) and his wife Simi had enough money to retire comfortably and debt-free.

That was in 2005, right before Mr. Money Mustache’s 31st birthday.

“This was achieved not through luck or amazing skill,” he emphasized to Farnoosh Torabi on episode 38 of “So Money,” her personal finance podcast. “But simply by living a lifestyle about 50% less expensive than most of our peers and investing the surplus in very boring, conservative Vanguard index funds and a rental house or two.”

Mr. Money Mustache clearly figured something out — and he shares tips and strategies on his personal blog — but just how much sacrifice did it take to set himself up for such an early retirement? How much of his and his wife’s combined $134,000 salary was going to savings?

“I saved about two-thirds of our take home pay,” he told Torabi.


Read more at A man who retired comfortably at age 30 explains how much money he had to save

What Lies in your Debt? It pays to know

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If You are Not Earning More, Maybe you Need to Change your Life Style

I like reading about how people become successful and also rich. And most importantly how they stay rich. People like Carlos Slim, Warren Buffet and so on. I always thought that these rich people live lavishly. Staying at the best hotels, have a great big mansion with lots of rooms, eat great food and even wear expensive cloths. After reading about this rich people, I foundout that the majority of themhave frugal life styles. Warren Buffet and Carlos Sim stays in the same house they bought when they were just coming up. In a moderate income neighbour hood. They also don't follow the "Keeping Up with the Joneses" mentality. Here is an article about 8 ways to change your lifetsyle to earn more money. What caught my sttention is waking up early. After converting to Islam, I had to wake up very early for morning prayers. It was a chore a bit, but later I found that after prayers I could do lots of things before other people woke up. I got any hour head start before the rest of the world. Later I found out is that is also the lifestyle habit of the successful rich and famous. Below is an excerpt from the article, if you would like to know more please click on the link below.

8 lifestyle changes to make if you want to earn more money

Wake up earlier.

They say the early bird gets the worm, and there may be truth behind those words.

Early risers get a head start on everyone else by responding to emails, exercising, meditating, or reading before many of us have even hit the snooze button — and they are happier and healthier because of it.

Some of the most powerful, successful people swear by an early wake up call — if it works for them, it could work for you.

Read more at 8 lifestyle changes to make if you want to earn more money

What Lies in your Debt? It pays to know

Website http://www.whatliesinyourdebt.com
Guarantee: 8 weeks 100% Money Back Guarantee

Get Rid Of Your Credit Card Debt, Clean Up Your Credit, And Make Debt Collectors Go Away? And Make Money Doing It! Our members actually make money using our process while not paying big bucks for a process that just doesn’t work! Rip off artists are abundant in these economic times. Just check Google and states’ attorneys' offices, con artists without a conscience are plaguing struggling home owners or people who are having hard times. Take control yourself and don't count on anyone to get you through the tough times. Our proven system will show you how to keep the banks and debt collectors at bay while making them pay you every time they break the law!

Only $99 for first month and $49 per month after....

Money Advise from 9 Successful People

Recently I have cleared three of my four credit cards. I used to be a spendtrift, just swiping my credit card for everything. So eventually I maxed all credit card. Then I picked up two great books,"The Richest Man in Babylon" and "The Wealthy Barber". Since then, I am always interested in articles on ways to be debt free. I have also read books by Robert Kiyosaki and have a audio tape on the "Millionaire Next Door".

Here an article on 9 successful people sharing the smartest thing that they have done with their mney

Below is an excerpt from the article. If you want to know more, please click on the link.

9 successful people share the smartest thing they’ve ever done with their money

I paid myself first.

Tony Robbins, motivational speaker, author of the bestseller “MONEY: Master The Game“

“In a nutshell: Set aside a portion of my income to start to build my critical mass and committed to paying myself first.

“Explained further: One of the best pieces of advice that I received came from Ken Blanchard. I first met Ken when I was 24. At that time I was writing my very first book. It went on to land a spot on the New York Times Best Seller list, and I was gaining momentum and building my business.

“Like most people, I had already heard of George S. Clason’s 1926 classic, ‘The Richest Man In Babylon‘ the day that Ken pulled me aside for a talking-to. I was aware of a central concept in the book, the simple idea of paying yourself first — that is, taking 10% of your income and setting it aside to grow and protect you in the future. But Ken connected with me, and imparted a message at this critical time that I was coming into myself as a young businessman — he taught me something that many business owners don’t realize.

“He said:

Tony, any amount of money that you feed your business, it will eat. So in writing a book, you are doing something here that is outside of the business. You are doing something that is going to support the company hopefully by bringing in new fans of your work, who then maybe engage with your brand, and do business with your company.

Since the company is getting that benefit, make sure you take the profits of your book and set them aside, and never allow them into your company’s account. This is the most important career advice given to me by another man and I want to pass it on to you. Remember Tony: A business is always hungry.

“Decades have gone by since Ken Blanchard spoke those words to me. I now have over 20 companies and I’m actively involved in running a dozen of them. Throughout the years, those words never left me. In fact, they became the basis of financial independence as I know it.”


Read more at www.businessinsider.my/successful-people-money

Giving your 100% even if its your Last Project

Recently I was asked to assist in the discussion of our new upcoming property. They were doing the initial planning and needed some feedback from the people on the ground. Those that ran the daily operations. It got me thinking me thinking should I do it just for the sake of doing it. Cause the property is miles away and will ony be ready in about 5 years down the road. Not sure if I will ever be working there. So why should I give my 100%.
Then I remembered this story I received a few years ago. Its about a carpenter who was retiring. So his boss gave him one last project. Which was to build a house according to his specification and he could use any material in the store. So the carpenter did it half hearted. He was not going to be a carpenter anymore, so why should he care. When the house was completed, the boss presented it to him as a going away present for all his years of hardwork. He was sad cause he made the house really slipshot. The moral of the story is whatever job you get, do it 100%.
Petronas Malaysia even did a video similar to the story above. The video is below, enjoy.

What Lies in your Debt? It pays to know

Website http://www.whatliesinyourdebt.com
Guarantee: 8 weeks 100% Money Back Guarantee

Get Rid Of Your Credit Card Debt, Clean Up Your Credit, And Make Debt Collectors Go Away? And Make Money Doing It! Our members actually make money using our process while not paying big bucks for a process that just doesn’t work! Rip off artists are abundant in these economic times. Just check Google and states’ attorneys' offices, con artists without a conscience are plaguing struggling home owners or people who are having hard times. Take control yourself and don't count on anyone to get you through the tough times. Our proven system will show you how to keep the banks and debt collectors at bay while making them pay you every time they break the law!

Only $99 for first month and $49 per month after....

21 Life Tips From The Timeless Wisdom Of Lao Tzu- Part 1

Lao Tzu is believed to have lived in ancient China around 6th century BC.

Exact details of who Lao Tzu was and when he lived have been a topic of debate among historians.

Some even believe that Lao Tzu was not a single person and was the synthesis of many wise people of the time.

Even though the identity of Lao Tzu may not be clear, the legendary work Tao Te Ching has been illuminating the paths of millions over the centuries.

Considered one of the most profound pieces of wisdom ever written, the Tao Te Ching is a short work of 81 chapters. The Tao Te Ching is Translated as “The Classic way,” or simply “The Way.” It would be an understatement to say that it is full of timeless tips for living that are relevant even today.

In this post, we begin scratching the surface of Lao Tzu’s great work. I have been deeply influenced by Lao Tzu over the years and this post is my profound gratitude for his wisdom and guidance.

This is Part-1 of the 2-part series on the wisdom of Lao Tzu.

- Interested, see more at: 21 Life Tips From The Timeless Wisdom Of Lao Tzu- Part 1

The industrialist Andrew Carnegie used these 10 principles to become the richest man in the world - Business Insider

Andrew Carnegie arrived in the US in 1848 with barely a dollar to his name. By 1901, he was the head of a steel empire and the richest man in the world.

At the height of his power, he was approached by a young journalist named Napoleon Hill who was interested in telling the stories of successful people.

Carnegie saw a special drive in Hill, and in 1908 he decided that Hill would document all of the strategies that made him a legendary businessman and philanthropist.

Together, they helped pioneer the self-help genre, and Hill’s 1937 book “Think and Grow Rich” has gone on to become one of the top-selling books of all time.

When Hill began his career writing about success, Carnegie gave him his “10 Rules of Success” that provided a foundation for much of Hill’s work.

Here’s a synopsis of the rules, which appear in the collection “The Science of Success“:




1. Define your purpose.
Create a plan of action and start working toward it immediately.

2. Create a “master-mind alliance.”
Contact and work with people “who have what you haven’t,” Hill says.

Read more at The industrialist Andrew Carnegie used these 10 principles to become the richest man in the world - Business Insider

7 Habits of Self-Made Millionaires - Careers & Finance - EBONY

The Frugal Feminista offers tips on how to acquire the wealth that you've always wanted.

There are certain things that we have no control over. We have no control over when we will come out of this Great Recession and we have no control over being fired or laid off. But we do have control over our personal financial choices and our actions.

In other words, even with the grimmest of financial forecasts coming down hard you on, you can still make it to the land of milk and honey by changing some of your habits and thinking.

If you are willing to shift your thinking about money and life, you have the chance of becoming a self-made millionaire.





The Wealthy Live That #FabulousNFrugalLife. One of the key habits of the self-made millionaire is that they track their spending. Every penny has a position in their multi-million dollar empire. In other words, they keep a budget and are able to differentiate between a want and a need. If you need a budget starter tip, try the 50-30-20 rule. Use 50% of your income for your needs, 30% for your wants, and 20% for your savings and investing. If you want to jumpstart your journey to wealth, flip those last two percentages: save and invest 30% of your income and use 20% of your income for your fun, wants, and desires.



The Wealthy Take Their Grateful Pill Every Morning. Instead of complaining about what isn't working and what has yet to come, try copping an attitude of gratefulness. Being grateful is like a muscle. When you are training yourself to be grateful, you are preparing yourself to both attract and appreciate the greater and the grander.



The Wealthy Have a Crew and Seek to Expand It Strategically. The saying "misery loves company" is only partially true. Wealthy people are about networking, meeting, mentoring, being mentored in order to form meaningful relationships that will result in big dollar bottom lines for all involved.



Read more at EBONY 7 Habits of Self-Made Millionaires - Careers & Finance - EBONY