I am currently starting to slowly think over the year 2009, and starting to make plans for 2010; I know many people would do the same. In the previous Growth Update, I already wrote a couple of lines about how my career is far from making progress. In fact, I am a bit scared to be so dependent on a career, and my employer, that I want to make a start on earning additional revenues in 2010.
I have seen the topic of generating additional, or passive, revenues appear on many personal …

I tried following the same principle, and during a month I asked many different salespeopel whether he would bargain. I did receive a lot of “no’s”, but also a “yes” a couple of time. Even my favourite shop, where I buy shirts, gave me a 8 Euro discount on 2 shirts, provided I would buy two and not just one. Since I buy at least 10 shirts per year, that is a discount of 45 Euros per year. It might not seem much… but as they say, small amounts also count.

In the past I could have lived an easy-going month, with little financial activity, and by the end of the month I would notice 150 Dollars is missing from my budget, without really knowing what I spent it on. I could not track this amount anywhere.

I have a few questions for you: Do you know your monthly net wage? Do you know how much money you spent on groceries last week? If you consolidate all of your accounts, including checking accounts, credit cards, and investments, how did your assets and liabilities develop per month during the past 6 months?