Visionary. Value focused.

How you do anything is how you do everything.

Staying Afloat: Tips on Surviving Inflation for Small Businesses´┐╝

The Consumer Price Index (CPI) climbed 1.3% between May and June in 2022 in the biggest one-month jump since 2005, and it’s only expected to increase over time. As a small business owner, you’re already dealing with tight profit margins, so the added pressure of inflation can make it tough to stay afloat. Fortunately, there […]

Lean FIRE – how to get there?

Financial Independence, Retire Early, or FIRE, has been a rising trend of our generations for quite a while. And it is an ocean of information out there for you to research and study. In this blog, we will talk only about lean FIRE and how can we get to that stage. Tl; dr; There are […]

Is it bad to move to a new place?

Recently I moved to another apartment, and I just want to note down what I went through and whether it is a reasonable choice for me. Tl; dr; It was a great choice. Both in financial and mental aspects. Financially: saving on rent per week, and it is actually a lot. Mentally: soft reset on […]

New normal – are we fked? – Part 1

Just my thoughts on the “new normal” that has been talked about in both social media as well as government official announcements. What I observed other people’s behaviour after a year and a half under COVID-19 influence, and how did I respond to the same circumstance. Tl; dr; I think we are heading towards a […]

Financial review – How do I do it?

Every month, I conduct a financial review for myself. I go through what I spent in the last month, making sure that I recognize all transactions and categorize them into different sections. From there I plan my spending for the next month, and have a better forecast for my finance over the next year or […]

Discussion – How FIRE benefits corporations?

FIRE movement is tremendously popular these days, especially among specialist workers. The idea of retiring early with an abundance of money is attractive to everyone. The concept is excellent and is real. People have reported retiring early and have enough income for them to live their lifestyles. However, is it all good and beautiful? Tl; […]

Discussion – Pareto distribution

Recently I came across a lecture from Professor Jordan Peterson. In this lecture, he talks about Pareto distribution and comparing it with the Normal distribution. There are massive distinctions between these two and I think it is interesting to note down some of them. Tl; dr; Pareto distribution deals with creative domains, or human creativity. […]

Discussion – Do you NEED a home?

As someone who is familiar with migrations, I moved from Hanoi to Ho Chi Minh city when I was little. Moving from Vietnam to Australia when I was 18, and moving from Ballarat to Melbourne 5 years later. I feel like I experienced a different way of living, in contrast to how our predecessors have […]

Discussion – Superannuation contribution

Recently I have been in discussions about superannuation contributions. And I think some information needs to be spread out to help you in building a stable retirement. Tl; dr; Employer must contribute super for their employees, minimum of 9.5% of the gross salary per annum. The amount of contribution is taxed inside super account at […]

Discussion – Cost of home ownership

As someone who used to live in my own house, I gathered a bit of information about the associated cost of home ownership. For this post, I would like to share my experience of the matter. Tl; dr; Cost of home ownerships can come in many ways. Closing cost (when purchasing the house) Moving cost […]