Yes, it’s always going to be a subjective judgment, and sometimes you’ll get it wrong. But by recognizing that there’s a difference between the fixed price and the value that you’ll derive, you give yourself a much higher chance of getting it right. Continue reading
With personal finance, as with so many areas of life, we have a tendency to swing between extremes. Often, an excess of spending – with accompanying credit card debt, clutter and stress – prompts us to take a good hard look at our finances. We make all sorts of good resolutions: a plan to reduce our debt, a savings account for our emergency fund, and so on … and somewhere along the way, we pick up the idea that we should only spend money on absolute essentials. Continue reading
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