Kirjahaku

Society has introduced to us a life where the norm is to work until our 60s, after which we can retire from employment. Regardless of whether we are employed, self-employed, or running our own business, we wait until old age to retire and do all the things we said we'd do once we don't have to work anymore. But must it always be toward the end of our lives? Can we not really enjoy all the perks of being away from work while we are younger; while we still have the stamina to walk thousands of meters a day; while our body can still do the things that we want to do without taking medications to mask off the pain; while our mental faculties can still be as creative as we need it to be? Are we sure that this is the only way to live life?In this bite-sized book about taking mini-retirements, we will: Explore what we could do during career breaks and when taking sabbaticals, paid or self-funded.Look into the things we need to prepare for to have a fruitful mini-retirement.Dig into the things we need to watch out for as well.This book is for the tired employee, the self-employed, and the small business owners who would want a respite from the day-to-day stresses of employment and entrepreneurship. But you don't have to hate your work to qualify for a mini-retirement. Everyone is welcome to rest and retire often

Financial independence is not new. Being fiscally responsible has been the default practice of the older generations, back when scarcity was still imminent. But with the rise of capitalism, we've forgotten how it feels to live within our means. We've grown abundant in supplies for our basic needs, wants, and what have you. The only things scarce are money and time.In this bite-sized book about financial independence, we break down: The by-products of financial independence pointing to various options in lifeThe things we need to prepare to work our way towards financial independenceThe things we must watch out for to ensure we can stay the coursePursuing financial independence is not for the faint-hearted. But those who are willing to explore a different pathway in life are sure to be rewarded with more options.

Is this the year you're finally going to be consumer debt-free?Does lifestyle creep keep stealing your salary increase?Does FOMO keep throwing a curveball at your budget?Don't worry, there's hope In this part-memoir, part-how to, the author shares: How she eradicated consumer debts at 27 as an expatriate in the UAEHow credit cards perpetuated her overspending and how she turned it aroundHow mindset change became the foundation of her debt-free journeyThis book takes a light-hearted approach to personal finance, making it a fun and enjoyable read.As a self-professed personal finance geek, Rian gives insight on how to: Become debt-free and achieve financial freedomChange how you use your credit card to your advantageTravel without worrying about debtPay for insurance premiums with easeSave for a home or car deposit without feeling deprivedIf you've tried eliminating all your debts before but found yourself buried in them again, Rian will walk you through simple yet effective practices that will help you: Pay and close your multiple credit card debtsLeverage a personal loan to build an income-producing assetPrepare for a mortgage or car financingBuild sinking funds for travel, rent, emergency fund, gifts, and other big recurring expensesAnalyse your expenses and remove "expense bloaters"Adopt a zero-based budgeting scheme for you and your householdAvoid get-rich-quick schemes that can leave you even more in debtThis book is a must-read for anyone looking to take control of their finances and become debt-free.