#Personal-Finance
10 notas · última:
Personal Finance for Engineers 🏦
The article argues that personal finance matters for engineers because they often earn well, face career volatility, and can benefit a lot from starting early. It ties money habits to long-term outcomes like savings, retirement, and flexibility in choosing jobs.
Think of Investing for Retirement as a Gradual, Four-Phase Process
Lifehacker relays Michael Kitces's framing of retirement saving as four sequential phases, not a single lump-sum decision.
The Psychology of Automation: Building a Bulletproof Personal-Finance System
Ramit Sethi argues personal finance fails on choice overload, not willpower, and shows how automated, opt-out money flows fix that.
Get Your Finances in Order Before the New Year
The piece suggests using the end of the year to review finances, use FSA money, adjust retirement contributions, check credit reports, rebalance investments, and set a concrete goal for 2019.
What to Know About Money in Your Late 30s and 40s
The article says late 30s and 40s are a time to keep investing in skills, stay connected professionally, push retirement saving, pay down debt, and prepare for health, family, and estate needs.
What to Know About Money in Your 20s and Early 30s
The article advises people in their 20s and early 30s to confront debt, automate saving, invest early, define priorities, think carefully about homebuying and children, and recover from money mistakes.
Focus On Simplifying Your Budget More Than Optimizing It
The piece argues that chasing the optimal budget choice is often a waste of time. It recommends simplifying routine decisions so mental energy stays available for choices that matter more.
PearBudget - fazer orçamentos e controlar despesas
A autora apresenta o PearBudget como uma ferramenta online simples para fazer orçamentos, registar entradas e despesas e comparar o planeado com o real, com categorias mensais, irregulares e saldo zero.
The Way of No Debt
Leo Babauta describes how he got out of crippling debt by facing the numbers, cutting spending, building a plan, paying creditors, and raising income, then kept living debt-free through savings, investing, and spending less than he earns.
How to Change Your Spending Habits when Your Salary Goes Up (or Down)
The article says income changes should trigger a reset of habits. When income rises, build an emergency fund and manage debts before expanding spending; when it falls, cut recurring costs, automate finances, sell unused items, and look for extra income.