My Wealth Desire

Wealth Building Strategies & Steps to Financial Success

February 26, 2015
by Wealth Desire

Do You Have These Eight Best Personal Finance Mobile Applications (Apps)?

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Best apps for personal finances

Best apps for personal finances

You want to get rich, don’t you? Managing your wealth or money nowadays is easy and handy.  With the help of best personal finance mobile applications, you can surely get rich.  Definitely you can control your finances and get motivated to invest with the advance apps from your iphone, android or any smart phone.

In fact, using phone is popular for more than 100 years.  However, in recent years there are many trends of using phone that help improved our financial life.

Personal finance mobile applications are power tool.  Just a click away you can track down your expenses and investment.

If you are a busy person, there is no excuse that you cannot save and invest your money. The internet, smart phone and the cool financial applications are the smart solution to control your finances.

8 Best Apps for Personal Finance

I am pretty sure that these 8 best apps for personal finances can increase your chances to get rich.


  1. Billguard

Billguard is one of the free and top rate personal finance apps that can easily tracks your own spending habits and can help you save money because of budgeting platform.  It used to scan credit cards and debit card to protect your card from scam.  It has features that can protect identity theft or fraud.

Using this best mobile application can help you manage your money easily.  You can see what you are spending and what the charges from your cards are.

  1. Mint

Mint is another best iphone and android apps for personal financial that collects all your financial information into one platform or account.  Using this application can track your investments, expenses, bank account, credit cards, debit cards loan transactions and many more.

I like this application because it can remind us of our bill due date and we can create our own budget as well.  You can also monitor and see your credit rating using your smart phone.

This mobile application is only available in USA and Canada only.

Best Personal Finance iPhone Apps

Best Personal Finance iPhone Apps

  1. Checkbook

Checkbook is very simple personal finance iphone application because it does not requires you to sign in for account and to link to your bank account.  It is a very convenient way to reconcile your checkbook with your other bank accounts.

With this application you can avoid over drafting with your account.  In addition to, you can also view your monthly statement of different accounts.

  1. PayPal

PayPal is one of the greatest and safest money internet applications.  You can use this to transfer money and payment online.

Recently, PayPal launch digital wallet that can be used to pay most of your online transactions smarter and simpler.  This top rated financial application can be acceptable in most of the countries around the globe.

  1. Wally+

Wally+ is a smart mobile application where you can monitor and control your money.  Using this application you can bring your financial life into handy mobile.  You can manage your account into one place wherever you are as long as there is Wifi connection.

This is commonly use in Middle East and U.A.E.  You can balance your income and check your expenses easily and remotely.

Top rated personal finance apps

Top rated personal finance apps

  1. SigFig

SigFig is a great mobile apps to track all investment portfolios in one place.  You can also invest with low ETF portfolio using SigFig.

In fact you can view the real time performance of your stocks, ETF and mutual funds from your smart phone or iPad.  This is designed to manage and improve the growth of your investments.

  1. SavePlus

SavePlus is the solution to save for the busy people.   You can save money while on the go without time constraint either for retirement or for emergency funds.

Every time you spent, certain percentage of amount will automatically transfer to your savings account.  This is simply following the basic simple rule of improving financial being, paying yourself first.  It is like you are paying tax against the amount you spend.  This tax goes directly to your personal savings account.

  1. LearnVest

Learnvest boasts various features from tracking down your expenses to monitoring your financial goals.  In fact, with your handy iphone or android mobile you can view your available money and progress of your goal.

You can connect all your accounts using this top finance mobile application.  Then you can easily manage your income and expenses and at the same time you can budget your money with this application.

LearnVest gives convenience and simplicity to the end user.  I love their additional feature, providing various financial education articles and tips.

            RELATED TOPIC:

                        Proven Ways on How to Get Richer

                        Top Ten Best Personal Finance Books to Become Financially Successful

                        How to Make Money on the Internet and Get Rich Quick

                        7 Best Wealth Strategies to Get Rich and to Get Out of Rat Race

                        Key To Wealth Building – Secret to Get You Rich Fast

Bottom line

Improving our financial being through good financial management mobile applications can be achieved easily.  Technology and internet are important to connect you and your portfolio or your money.

You can choose the best suitable mobile application that will fits your need.  It is not necessary to have it all.  The most important is you have at least one or two personal finance mobile application to track your finances.

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February 12, 2015
by Wealth Desire

Lessons from Young Self Made Billionaires That You Need To Learn To Get Rich

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Famous Young Self Made Billionaire

Famous Young Self Made Billionaire

Learning lessons from young self-made billionaires is one of the best things we could invest to our life.  By discovering their secrets or how young billionaires build a successful business empire is very inspiring.  It motivates to all people from different walks of life to be creative, optimistic, and to be an achiever.

The level of financial success and achievement of young money billionaires and how they made it is astonishing.  In fact, every accomplishment, inventions and ventures of these young achievers have great impact in human life.

I researched and gathered information about billionaires’ habits and self-made billionaires stories that we could learn lessons.  Building multi-billion businesses and accumulating billion of net worth are not easy.

Life Changing Lessons from Young Billionaires

There are 7 lessons that we need to learn from the self made billionaires and could help us to get rich.


  1. Inspire with your dream and target it

Young self-made billionaires are motivated with their dreams and goals in life.  They build their wealth from nothing because of their dream.

The famous young billionaire of our generation is Mark Zuckerberg, started Facebook from his big dream.  He became inspired with his vision and eagerness to share it with other people.

It is true that the first ingredient to succeed is a great dream.  Dream creates a program in your mind and it became part of your subconscious mind that stimulates you to target your goal


Related Topic: How a 28 Year Old Become World’s Youngest Billionaire

  1. Solve the common problems

The new rich people are those young men and women who can solve the common problems.  They get rich because of their products or services that solve the human problems or help to improve the life of most people.

Forgetting to bring USB or external drive is one of the common problems among people.  Then Dropbox was invented to have cloud based storage and back files services.  Dropbox was founded by Drew Houston, one of the young self-made billionaire.  This is the product of new technology to provide a worry free storing and sharing files.  No need to worry if your hard drive will crash or your house will get burned.

In short, young billionaires invented new products or services that can solve the problem of most people.  Then their products became in demand in the global market and brought huge income and great returns for them. They get rich by inventing and creating new technology that improve the life of human being.

Lessons from Young Billionaire

Lessons from Young Billionaire

Related Topic:  How to Get What You Want in Life

  1. Now is the right time

Successful young billionaires are not fond of procrastination.  As soon as they realize that there is opportunity, they grab it.  The perfect time for them is now and not tomorrow or next day.

One of the young billionaires is Mark Zuckerberg wherein he did not wait to finish his degree to start student directory and then Facebook.  He dropped out from Harvard University to make his dream a reality, to make a successful student directory from “Photo Address Book” into “Facebook”.

Some of these young successful people launch their business while still working.  They didn’t wait to quit from their job before starting it yet they do a lot of stuffs during their spare time.

Related Topic: The Best Secret on How to be Financially Successful Person

  1. Doing what you love to do

This young generation self made billionaire reap billion of dollars that was started out from doing what they love.

Robert Pera was working before in Apple Inc., as a hardware engineer, however after 2 years he quit his promising career to do what he loves to do.  He is obsessed to succeed on his own rather than working with someone.

In 2005, he founded the Ubiquiti Networks Inc. to provide cheap internet access.

Related Topic : How to Achieve Goals and to be Wealthy

  1. Taking risk

Fear is the one that hold us to succeed.  We are afraid to take risk.  Because of fear, we did not make the first step to venture into business.

Not like this young risk taker billionaires, they don’t mind the danger of every action, decision or ventures they are taking.

They know that the riskier their investments are the greater wealth they can accumulate.  Even though they failed on their first attempt, they still stand up and pick up the pieces.

Eduardo Saverin, one of the co-founder of Facebook takes a risk to renounce his US citizenship to protect his wealth and to reduce capital gain taxes from US government.  He takes the risk in order not to lose money from the high rate of taxes in United States.

Young Self Made Billionaire

Young Self Made Billionaire

Related topic: 15 Good Habits of Highly Successful People

  1. Stay focus

One trait of young billionaires that I respect is being focused on one goal at a time.   Young self-made wealthy people reach the superb level of success because they concentrate their mind and energy on one goal.

Being focused on one thing resulted to a huge rate of success.  Concentration can help to boost the things done easily and quickly.  That is why they accumulated huge fortune at young age because of these habits.

In fact, avoiding distraction on every business endeavour can bring it into the right direction.

billionaires become successful not because of chance or luck but because of their desire to get the things done while they are still young.  They focus on meaningful action without wasting time.  They control their own life because of staying focused.

Below is a clip from Saverin’s interview and his comments about Mark Zuckerberg.

Mark Zuckerberg Focus

Mark Zuckerberg Focus

Related Topic: Why Wealthy People Are Living Below Their Means

  1. Start small and make it big

What I learned from them, they start their venture small but they grow it big.  They aggressively acquire capital from different angel investors to expand their business.

Drew Houston, co-founder of Dropbox is one of the prominent young self-made billionaires.  He and Arash Ferdowsi founded the Dropbox Inc. on June 2007.  They started their business small as an online storage and back up service.  On September 2007 they moved their business to San Francisco and they got more capital from Y Combinator, Accel Partners, Sequoia Capital and other investors.

Now Dropbox Inc. is a multi-billion company that caters any organization or individual for back up, LAN networks, sharing files and many other IT services.

The same with Jan Koum.  Though he has big business ideas but started first his company in small scale.  He incorporated WatsApp on February 2009 in California as a messenger application.  At first it is free and to keep growing his business into profitable one, his team decided to make it a paid service.  Like other business, to grow into a global arena they sell it to Facebook.  The acquisition is worth of $4 billion cash and $12 billion Facebook shares and $3 billion shares for Jan Koum and Brian Acton.

Related Topic: Building Wealth From Scratch Success Stories of Top Billionaires

Bottom line

If we have big ideas and we know there is a potential to have impact in the global arena then you can go for the next level.  It is not enough to dream and to write a goal without action.  Action is the key ingredient that these young adult bring their life into billionaires club.

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January 29, 2015
by Wealth Desire

Best Phrases for Your Health is Your Wealth Quote

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The greatest wealth is health quote

The greatest wealth is health quote

Health is the greatest wealth of man.  Invest in your health because it is your number 1 asset.  If you are not healthy, your mind and brain is affected. You cannot think and decide which is better for your success.

Most of the time you miss to grab the opportunities once your health is not stable.

It is not the money or your income your number one asset. The first and the most important asset is you.

So, it is important to care your body and your health.

Healthy well-being can produce a wealthy mind. I will share the top health is wealth quotes.  These inspiring sayings about wealth and heath will give the real “health is wealth” meaning.

Here is the 10 best phrases for your health is your wealth quote.

  1. “Health is the great of all possessions; a pale cobbler is better than a sick king.” – Isaac Bikerstaff
  2. It is health that is real wealth and note pieces of gold and silver.” – Mahatma Gandhi
  3. “The first wealth is health.” – Ralph Waldo Emerson
  4. “To get rich never your risk your health. For it is the truth that health is wealth of wealth.” – Richard Baker
  5. “He who has health, has hoe; and he who has hope, has everything.” – Arabian Proverb
  6. “Early to bed and early to rise, makes a man healthy, wealth and wise.” – Benjamin Franklin

    Health Is Wealth Quotes

    Health Is Wealth Quotes

  7. “Heath is like money, we never have a true idea of its value until we lose it.” – Josh Billings
  8. “Time and health are two precious assets that we don’t recornize and appreciate until they have been depleted.” – Denis Waitley
  9. “A wise man ought to realize that health is his most valuable possession.” – Hippocrates
  10. “You cannot enjoy your wealth, if you cannot enjoy your health.” – Unknown



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January 22, 2015
by Wealth Desire

What to Do With A Pay Raise

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What to do with a raise on your salary?  This is a common question I encountered from my friends who got salary raise as they welcome the New Year.  Actually, in the middle of last year I got a salary increase. Though the amount of increment is not as my expected one but I am still grateful to receive it.

It means my company appreciates my hard work and my dedication to my job.

What to Do With a Salary Increase


I want to maintain my cost of living so that I could not include my increment to our monthly expenses.  If you ask me what will I do with my salary raise, I will do like what successful rich people do. I will save my raise amount.

Yes, it is practical to make the most of your pay raise by saving rather spending on unnecessary things.  I don’t want to spend it to buy gadgets, clothes or to spend vacation.  Expenses like these have no return value at all.

I like the idea of saving like what rich people do. Then I will use it as a capital for my investment or business venture.

What I observed from most of the people is when their income increases their expenses increases also.  It is by nature to people to live and spend based on his income level.

                Related topic:

Secret for Getting Higher Salary


Save Salary Raise to Achieve Financial Freedom

Save Salary Raise to Achieve Financial Freedom

In our society, low income family purchases a house and lives in an affordable community.  They send their kids in public schools.  The worst is they are eating unhealthy foods.  Healthy foods are expensive in most modern cities nowadays.

High income or middle class people live in the middle class community.  They send their kids in private or good schools.  They wear branded clothes and watches.  They maximize their income by eating outside most often.

Poor and middle class people spend on liability to show up or pretend that they are rich while the wealthy people are always hungry to buy assets.  Assets can surely give substantial return over time.

What I like one of the good habits of the highly successful people is buying items that will have in return in the future.  They buy businesses or assets to leverage their money.  Rich people acquire more and more assets in order to receive multiple stream of income.

I found out that affluent family desire higher revenue from multiple stream of income in order to buy freedom and to live their dream life.

                Related topic:

                                Tips on How to be a Millionaire


The big difference between the poor and the rich people is how they use or spend their money or income.  Rich people want to buy time in order to have freedom to utilize their precious time. They want to spend more time with their family.  They care to spend their time to do what they love to do most.

Poor and middle class want to sell their time to wealthy people in exchange of money and we called it salary.  They look for job where they can trade their time with the affluent people.

How to Make the Most Out of a Pay Raise


The most important for me is to quit a job as soon as possible.  I want to have a personal and financial freedom.  I don’t want an idea of begging from your boss if I want to take a vacation or leave.

I want to save more and more money in order to quit from my present job.  That is why any extra income or pay raise I will automatically put it into savings account.

                Related topic:

                                How to Build Wealth from Scratch – as an Employee


Save and invest wisely your pay raise so that you can enjoy it later with your family

Save and invest wisely your pay raise so that you can enjoy it later with your family

I want to explore and take the adventure of starting and running my own business.  For me, having worked with someone is enough.  I am happy for all those years that I gained experience and I learned lessons of life.

Bottom line


Without saving you cannot get out from the rat race.  You cannot reach financial freedom if you are still spending more than what you earn.

Regular pay raise is good and it can be helpful to save more money.  The higher amount you put into saving and investment the earlier you can reach your financial goal and freedom.

Invest your salary increment and when you get rich do not forget to visit this place

Invest your salary increment and when you get rich do not forget to visit this place

A little sacrifice of being frugal in order to save more money will have a great impact of your financial life tomorrow.   Elbert Hubbard said, “The best preparation for good work tomorrow is to do good work today”.

                Other interesting topic:

                                No. 1 Secret of Rich People

                                How to Stop Overspending Money & The Ultimate Key to Create Wealth

                                Amazing Reasons to Start Your Own Business


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January 15, 2015
by Wealth Desire

25 Best Quotes About Frugality

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Reading the best quotes about frugality empower one’s life to focus on improving financial being. Get inspired and motivated from the great ideas of some leaders, gurus and writers to manage your finances, creating financial planning and working your financial goal.

Successful people love to read inspiring words and quotes.  They know that encouraging words of wisdom stimulates their mind and inspires their heart while creating their own future.

I am happy to share these 25 living below your means quotes. In fact, living below your means is one of the great habits of successful and wealthy people.

The Best Quotes About Frugality


You can share these thrifty quotes to anyone you could inspire to start their new financial life or to anyone you know that can focus or encourage practicing frugal living and living below your means.

“Whatever your income, always live below your means.” – Thomas J. Stanley


“There is no dignity quite so impressive and no one independence quite so important, as living within your means.” –  Calvin Coolidge


“Be industrious and frugal and you will be rich.” – Benjamin Franklin


Related Topic:

Bill Gates Quotes About Success for Wealth Building


“Deprive yourself on nothing necessary for your comfort, but live in an honourable simplicity and frugality”. John McDonough


“Frugality, I’ve learned has its own cost, one that sometimes lasts forever.” – Nicholas Sparks


“Without frugality none can be rich and with it very few would be poor.” – Samuel Johnson

Billionaires who practice frugal living

Billionaires who practice frugal living

“Thrift is not an affair of the pocket, but an affair of character.” – S.W. Straus


“Being frugal does not mean being cheap! It means being economical and avoiding waste” – Catherine Pulsifer


“By Sowing Frugality we reap liberty, a golden harvest.” – Agesilaus


Related Topic:

Warren Buffett’s Top Inspiring Words of Investment


“I’m frugal. I’ve always been this way. When I was young, my mom would give me my allowance and I’d peel off a little each week and have some to spare.” – Tyra Banks


“I believe that thrift is essential to well- ordered living.” – John Rockefeller


“There are plenty of ways to get ahead. The first is so basic I’m almost embarrassed to say it: spend less than you earn.” – Paul Clitheroe


“Beware of little expenses; a small leak will sink a great ship”. Benjamin Franklin


“Too many people spend money they haven’t earned, to buy things they don’t want, to impress people they don’t like.”  – Will Rogers


Related Topic:

6 Inspiring Lessons I’ve Learned from Christopher Gardner


“Simplicity is the ultimate sophistication.” – Leonardo da Vinci


“We make ourselves rich by making our wants few.” – Henry David Thoreau


“If you realize that you have enough, you are truly rich.” – Lao Tzu


“Wealth can only be accumulated by the earnings of industry and the savings of frugality.” – John Tyler.


“He who does not economize will have to agonize.” – Confucius


Related Topic:

Inspirational Pictures Without Words


“No man is rich enough to waste his money in putting on style.” – Gustavits F. Swift

The legend frugal couple, they are living below their means

The legend frugal couple, they are living below their means

“It is thrifty to prepare today for the wants of tomorrow.” – Aesop


“The way to wealth depends on just two words, industry and frugality.” – Benjamin Franklin


“Thanks to my mother, people tell me I look younger than I am, especially without make-up. And I suppose my father had a part in making me more frugal with my money.” – Dita Von Teese


“If you know how to spend less than you get, you have the philosopher’s stone.” – Benjamin Franklin


“The art of living easily as to money is to pitch your scale of living one degree below your means” – Sir Henry Taylor


Related Topic:

Motivational Words for Building Wealth and Inspirational Quotes about Money


Bottom line

Inspiring thrifty proverbs sum up great ideas into few words.  Hope these great quotes can encourage other people to live everyday simply and contented.

You can bookmark or share this post to everyone.  Please put comments if you want to add or share your favourite sayings about living below your means.

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January 8, 2015
by Wealth Desire

24 Best Ways to Save Money That You Can Easily Do

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Easy Ways to Save Money

Easy Ways to Save Money

Everyone knows that saving money for this year can be achieved if we wanted it to.  There are plenty of ways to save money that you can apply in your daily life.  This is the right time to be practical, frugal and to manage your money that can put into savings.

“Financial peace isn’t the acquisition of stuff.  It’s learning to live less than you make, so you can give money back and have money to invest.  You can’t win until you do this.” – Dave Ramsey

If you have a great career or start earning, frugal living and saving money is one of the greatest habits of successful people.  We are not sure what our future will bring us but if we plan and make action now, it is like we are making our own future.

Best Ways to Save Money


Pay off your Credit Card Balance

You will save a lot of money every month if you will avoid late payment and interest charges from your credit card.  Always pay off your balance every month.

The credit card’s interest rate is very high and among the highest.  In fact, in the United States alone, a typical credit card charges you an interest ranging from 7% to 36% against the balance debt.

Here is the best ways to use credit card.

Prepare a Shopping List

Having a shopping list is one of the best ways to save money on groceries.  You only stick to buy what you need and what in your list.

If you do not have the shopping list and you are going for shopping or grocery, the tendency is you buy even those things that are not necessary to you and to your family.  You lost your focus.  Please check my 10 tips to save money on groceries.

Avoid buying branded clothes

Branded clothes are pricey.  Designers and clothes companies charge their products higher to attract fatter wallet or higher class community.  The price adds the cost involved on costly advertisement fees and celebrity endorsements.  These are the few reasons why branded clothes are expensive.

Some folks buying branded clothes because of ego or psychological reason.  They want to show up that they can afford to wear designer clothes.

For me it is not practical at all to buy expensive clothes.

You can buy good quality clothes yet not so expensive.  Try to visit Forever 21, Style for Less, Rue 21, ASOS and many other stores or on-line stores.

Big Saver's Billionaire

Big Saver’s Billionaire

Book your Ticket Early

If you are planning to go for vacation or to travel, you should plan ahead and book your ticket early.  The price of plane ticket is cheaper if you are booking early.  The ticket will increase within the two weeks’ time before the flight.

We used to book our plane tickets 2 to 3 months before our flights and most of the cases we found it cheaper to buy early.

Check out my previous blog about the practical ways to save money on air ticket or how to get cheap plane ticket.

Get an Affordable Health Insurance

Health insurance is very important and you do not know when you need it.  It does not need to be expensive one for your family.

Health insurance can greatly affect the family finances when one of the members get hospitalize.

Cancel Gym Payment

To exercise, work out or to get fit it is not necessarily to pay for gym membership.  There are many options that are effective, efficient and practical workout that can be done outside the gym.

Let say you are currently paying $50 every month for your gym membership and if you cancel it, at the end of the year you are saving about $600.

Walking, abdomen benches, push ups, jogging and squats are few effective workouts for your body.  You can do these exercises outside the gym or in the public park.

Cut your Telephone Lines

I think we are in the modern generation and we have better communication technology.  If everyone in your family has a mobile phone and you are still paying for your telephone lines, now is the right time to cut it.

Your mobile or smart phone is enough if you want to call your friends, family, boss or during emergency scenario.  You can save from $120 to $480 each year if you stop telephone subscription.

Avoid TV Subscription

You can watch your favourite TV program from internet.  TV subscription is additional family cost.  If you have internet connection, it is logical to cut your subscription.

You can save money for your television bill.

Do not get me wrong, yes you can watch your favourite TV channel through online.  There are many free online TV programs.

“Wealth consists not in having great possessions, but in having few wants.” - Epictetus

Buy Using Cash

Develop a new habit this New Year by using cash whenever you want to purchase groceries or any of your needs.  There is a psychological reaction in your brain if you pay cash.  Most of the time you are reluctant to hand over your cash to the cashier once you are paying your stuffs.

Not like if you are using credit cards, there is an impulse to buy things even though it is not necessary.  There is no pain feeling to go for shopping using your plastic card and the tendency you will purchase more.

However, if you practice using cash to buy anything you need you are avoiding going out to buy or to eat.  Using cash not only can limit your spending habits but you can also save more money from buying wants.

Take advantage on discount price or on sale

When you are planning to buy for electronics or other stuffs take advantage on sales or discounted period.  Thanksgiving and Black Friday sales or even year-end sales are the best times to buy electronics, clothes, etc.

These times you can save a lot and you can get best deal suited for your needs.

Pack your own lunch

If you are having a day job, it is practical to pack you own food for lunch.  You can save few bucks every day than eating from restaurant.

Preparing your own food is healthier than eating in the canteen.  Remember that the healthier food you are eating the lesser prone to diseases.  Meaning you are also avoiding hospital or medical bills.

Avoid eating out often

Eating outside with your family or friends is costly.  Try to limit one or two times a month.  Instead of meeting your friends in the restaurant, you can invite them in your house.

You can cook and serve it to your friends.

Best Way to save money on food is to eat meal from fastfood

Best Way to save money on food is to eat meal from fastfood

Rent out your Spare room

If you are living in a big house or apartment and you have extra room, you can rent it out.  Many working people are looking for room sharing or renting room.

Once you earn from renting room, your monthly amortization or rental will be reduce subsequently.  If you are paying $1,200 every month and you are renting your extra room for $600, you save at least $600.  This is  a big saving, imagine for one year you save $7,200.

Consider small house

If you are planning to buy new home, consider a decent small house.  Having small house can pocket you huge bucks saving every month from amortization, interest, utilities bill and maintenance cost.

It is not necessary to have a big house.  The essence of having home is to have roof over your head and privacy. You can read here the 7 best reasons to live in a small house.

Monitor your mobile phone expenses

I bought my iPhone through plan and I watch always my international call expenses.  By monitoring your extra calls or internet data consumption can avoid additional cost for you.

If you are using iPhone, always make sure that your “Cellular Data” is off if you have access to free Wi-Fi in your office, home or public places.  I have a friend that he forgot to turn off his cellular data and he found out at the end of the month he received higher amount on his mobile phone bill.

Send Kids to Public School

If you are spending much money for your kids’ education, consider sending them in public schools.  Enrolling your child or children in private institution will not guarantee to get a quality education.  There are many state run schools that offer quality education and produced successful professionals.

Once you transfer your kids to public school, you will notice that your monthly expenses will drop obviously.

Read here the cost of child’s education and quality of education.

Pay off your Debt

Paying off debt or mortgage early can pocket huge savings.  You save money from interest, the longer period you are paying the bigger amount your interest over the time will be.

Paying off your debt can save your money on late payment charges, interests and penalty fees.

Another interesting topics to check out like 5 shocking reasons to pay off debt now,  progress of my debt free journey, and how to get a debt free life.

Reduce your Water Wastage

You can save money by saving water.  Don’t rely only on tap water to clean your garage or to water your plant.  Collect rain water and you can use it in many ways.

You can save water by taking shower instead of taking a bath tub.  Another tip to save water is to boil exact volume of water you need rather than to fill full your kettle.

“Never spend your money before you have it.” – Thomas Jefferson

Consider Solar and Green Energy

Solar electricity or green energy became famous because of some folks that are concerned on global warming issues.  Sun is free and it is a smart decision to take advantage of the energy coming from the sunlight.

Solar panel and other related materials are expensive at the start but on the long run it can pocket a lot of money.  Indeed adopting green energy can save too much money in heating or cooling your house.

Car pooling

If you have co-workers that are living near your home, you may consider carpooling. I recommend also adopting carpooling with neighbours that are working near your office.

 You are driving less but save more. You save on fuel expenses, car maintenance and wear and tear of your car if you practice carpooling.

Company Health Insurance benefits

Take advantage of health insurance benefits from your company.  My kids’ health insurance is covered in my wife’s company.  Once we visit the doctor we spend less for consultation and for medicine.

Health insurance can give you huge saving every time you or any of your family members visiting the hospital.  You do not know what you family medical needs in the future.  Having insurance is a must not only to save money but also to have access to the right medication.

Reduce your Power Bill

Cut your electricity consumption to pocket your savings.  Always turn off the lights if nobody is using.

My personal tip is if your kids are still small or young, you can sleep together in one room.  You can turn on only one air condition unit especially in summer.

Save money regularly in order to spend remaining of your life here

Save money regularly in order to spend remaining of your life here

Consider free credit cards fee

If you want to have credit card for whatever reason, choose only those that can provide free annual fee.  You know that 25% of credit cards have no annual fee.  The credit fee ranges from $50 to $500.

Here are few amazing topics about credit cards; top 10 best credit cards in United States,  5 steps to pay off credit card debt and late credit card payment worst consequences.

Give Up Drinking Soft Drinks

Drinking soft drinks is not only unhealthy but also will cost you few bucks every month.  It is true that you can pocket some money if you drink only clean water rather than soft drinks.

If you are travelling or going out, I recommend bringing your water also.  Every time you feel thirsty no need for you to buy for drinks.

“Many people take no care of their money till they come nearly to the end of it, and others do just the same with their time.” – Johann Wolfgang von Goethe

Bottom line

These are only few of the best ways to save money this year.  You can practice more ways of saving money in your daily life.   The more money you save the more stable your financial being is.

Practicing frugal living is essential to build wealth.  Without saving, you are making your future endanger.  In this case the lack of money controls you and you became more trapped of financial struggle.

Related topic:

The Importance of Saving Money for the Future

Achieving Financial Success – 5 Secret Steps to Achieve it Easy

Key to Wealth Building – Secret to Get you Rich Fast

How to Achieve Goals and to be Wealthy

Simple Ways to Earn Money



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December 24, 2014
by Wealth Desire

Popular New Year’s Resolutions Ideas That You May Include in Your List for This Year

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New Years Resolutions Ideas

New Years Resolutions Ideas

The world’s popular New Year’s resolutions  ideas are the utmost and most common goals to achieve by majority of people through the year.  New Year is fast coming and most of the people are busy preparing their New Year’s resolution.  Making resolution is the first step in attaining your promises to yourself or to your love ones.

People who write their resolutions or goals are the most likely to succeed.  So the important tip to do is not just say it but write your goals in the paper with your heart.

New Year is the best time to reset your goals and your priorities.  This is also the period that you can refresh yourself.

Popular List of  New Year’s Resolutions Ideas

For your guide to prepare you to prepare your own list of New Year’s Resolution, below are the most common world’s New Year Resolution ideas list.


Most Common New Year's Resolutions

Most Common New Year’s Resolutions

Spend more time with the Family

This is absolutely right.  Quality time is you have to set aside more time with your family.  Spending quality time with your family is essential especially if you have kids to play with.

Many mom and dad quit their job and decided to work at home in order to be with their family most of the time.  Time is too short to waste. Time is gold and you cannot return back every minutes that passed by.

Get Out of Debt

Many people decide that New Year is the right time to start paying off debt.  They want to get out from financial obligation from their lenders and stress of managing debt.

Here are the 5 steps to achieve debt free life that can help you and your journey of getting out from debt.  Commit yourself to pay off debt.  If you have credit card, learn what the best ways to use credit cards are.

 Save Money

One of the top financial New Year’s resolutions is to save money either for investment or for future uses.  Starting January you have to commit to live below your means or control your spending habits.  The lesser your expenses the bigger amount you can save.

In saving, it does not matter how much is your income.  The most important is you have to save first before you spend your income.

Billionaires like Warren Buffet, Carlos Slim and even Mark Zuckerberg are big savers.  These billionaires are living below their means.  Actually, in my older article, to save money is the top financial new year resolution.

Get Fit

As soon as you realize that you need to have a body shape, you must starting working out to become fit.  Getting fit became famous among all middle class and working people.

They realize that having a fit body is an asset or wealth.  They are not prone to spend high medical expenses due to disease brought my unhealthy body.

There are big advantages of being fit compared to being fat.  Being fit, you are almost free from disease.

Eat Healthy Foods

As many folks getting health conscious they realize to eat only healthy foods.  Though healthy foods are expensive, many people opt to buy it.

Eating healthy foods are one the New Year Resolution for teenager.  Healthy body cannot be achieved with regular exercise but by eating healthy foods and good diet.

Top New Year's Resolution Ideas

Top New Year’s Resolution Ideas

Get a new Job

Many people find that New Year is the right time to look for new job.  There are a lot of reasons why every person want to move to new organization.  Other folks want to get a new job with a higher compensation.

If you desire to have a balance life or quality life, may be a new job can offer you.

As the year start many companies are hiring for the new projects or new division.

Earn higher income

It is common to many people to want more and get more. Middle class families are striving financially because of materialism or consumerism.  For them, the answer for financial struggle is to earn more.

There are lots of ways to earn more income.  Even at your present job you can earn higher income.  Try to ask salary increase, bonus or allowances.

Get higher education and learn something new

It is evident that most of the people desire to learn new skills and lessons that can improve their life.  New skills and education can change your life.

This is popular new year resolution for students.  In fact, earning a higher education will make you marketable or you can demand a higher position and salary.

Learning mobile application can give you good income.  Many young adult earn huge money through this path.

Quit Smoking

Many smokers nowadays become health conscious.  They know the effects of smoking in their body.  And it is the most common New Year’s resolution among smokers to quit smoking.

There are a lot of tips how to quit smoking you can find in the internet.

Lose weight

This is the top resolution of all people around the globe.  People want to lose weight in order to get shape or to be healthy.

It is true that losing weight can reduce a person the risk of getting disease.

New Year Goals Ideas

New Year Goals Ideas

Bottom line

Achieving your New Year’s goal is within your reach.  It matters on how committed you are and how you plan to achieve it.

Regularly monitor your progress and status to track your accomplishment.

The most important is you enjoy and have a lot of fun while you are working to attain your most priority resolutions.

Wishing you a Joyful Yuletide Seasons and Blessed New Year!

Related Topic:

                The Importance of Saving Money for the Future

                How Money Mindset Affects in Achieving Financial Goals

                How Wealth Desire Achieve Your Financial Goals

                Top Ten Best Personal Finance Books to Become Financially Successful

                Motivational Words for Building Wealth and Inspirational Quotes about Money

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December 11, 2014
by Wealth Desire

Christmas Money Saving Tips that You Will Consider in Celebrating Holidays

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Christmas money saving tips is important to consider in celebrating holidays.  It is practical not to waste too much money on buying and spending things that are costly.  What matters most is you celebrate the true meaning of Christmas.

The excellence of a gift lies in its appropriateness rather than in its value. – Charles Dudley Warner

Christmas is the time to share and cherish the goodwill.

The most important meaning of celebrating the yuletide season is to give love and sharing blessings to our love ones and other people around us.  Giving gifts is not necessarily the most expensive one but as long as it is meaningful to the receiver.

Practical Ways of Celebrating Christmas

Practical Ways of Celebrating Christmas

8 Best Christmas Money Saving Tips

Reuse old Christmas decors

It is practical to reuse your old Christmas decors.  We bought our Christmas tree three years back and still in good condition.  After the yuletide season, you can keep immediately your Christmas balls, lights, lanterns and others so that you can use it again in the next Christmas.

Every year, the price and cost of Christmas decors are keep increasing.  Avoid over decorating your house with expensive decors.  The simpler the design, the better.

Prepare a Christmas Plan and Budget

It is a good idea to have a plan how you will celebrate your yuletide season. Make a budget how much you spend for the gifts, foods, shopping and house decoration.  Stick to your budget and plan.

Christmas is not the time of overspending but the time of giving.  You should give something from the heart.  It is not important how much is the price tag of your gifts but the essence and spirit of celebrating Christmas.

Real Spirit of Christmas

Real Spirit of Christmas

Use Your Credit Card Rewards

It is now time to redeem your credit card points or rewards.  This is one of the practical Christmas money saving ideas.  You can use your rewards for shopping and buying gifts.

I will use my credit card rewards for this year to purchase clothes for myself.

Avoid Spending too much on food

Another ways to save money at Christmas is to void buying too much food.  Most foods are perishable and it is not good idea to stock it in the fridge.

Plan what menu you will prepare during Christmas or New Year.  Two or three menus are enough to fill up your stomach.

Give Personalized Christmas Cards instead of Gifts

If you have a skill to draw, you can create your own version of Christmas cards.  It is more practical to make personalized Christmas greeting cards rather than to buy branded one.

Again the practical way of celebrating Christmas is not to spend.  The most important is your pocket is full and happy.  Show your love and care to your love ones.

Remember that there is a personal touch on your own cards.  Many people now will appreciate your arts or creative design.

Look for Discounted Price

Always look for discounted price when buying foods, Christmas gifts and decors.  Sometimes bulk items are cheaper than buying one piece.

Online shopping can give you lower price and at the same time you can avoid traffic and hassle.  In fact, this is one of my favourite Christmas shopping saving tips.

The items will be delivered in your front door without wasting your precious time and money for fuel.

Christmas Shopping Saving Tips

Christmas Shopping Saving Tips

Avoid using Credit Cards for Christmas Shopping

To control your overspending habits or temptation of spending more, it is recommended to leave your credit cards at home.

It is proven that using cash to buy can save money during Christmas shopping.  There is pain or uncomfortable psychological reaction if you handover your cash to the cashier rather than credit cards.

You can use your card only to redeem the points or rewards.

Shop Early as Possible

Shopping ahead of holiday seasons give you ample choices to buy non-seasons gifts at lower price.  The price of wine and chocolates are cheaper before December.

Last minute spending means you are shopping with time constraint.  You cannot select quality items.

Meaning of Christmas

Meaning of Christmas

Related Topic

                                How to Make Money on Christmas Holiday

Cheap Christmas Gifts Ideas for Married Couple

Why Wealthy People Are Living Below Their Means

Key to Wealth Building – Secret to Get You Rich Fast

Tips on How to be a Millionaire

Bottom line

We can celebrate a joyful Christmas while practice saving money habits.  We can still be frugal while giving and sharing to others all our blessings.

Remember what Richard Bach said,  “Every gift from a friend is a wish for your happiness”

To all my readers : I will wish you a Merry Christmas!

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