Most of us tend to overspend on furniture, and in most cases end up regretting because it doesn’t last as long as it should. We’ve all heard (or experienced) horror stories where someone buys a fantastic looking table/bed/sofa, and within a year, they have to replace it because it’s broken or no longer works. As Team Frugality, we want to spend as little as is…
Read MoreAbout beating the market… Most books will claim that they can teach you how to beat the stock market, i.e how to invest in such a way that you will earn better returns than the general market. No one can teach you how to beat your market, and beating the market shouldn’t be your goal. Focus on maximizing the chances of achieving sustainable gains. About…
Read MoreI love land and have invested in it to a small degree, but I hesitate to write about it as an investment option, because my love for it is based more on emotion than fundamentals, but in subsequent posts, I’ll be enumerating rational reasons why I think it’s wise to invest to include small real estate in your…
Read MoreWell… The fundamental truth about all nations is that they have ambitions. It is never written anywhere but its in the “psyche” of the nation. They can be big ambitions or small ambitions, and the education systems in countries mutate to match the ambitions. We (Kenyans and our leaders) are lazy. We dont want to be a great nation,we just want to get by and as…
Read MoreMy reading has really suffered of late, and while it’s easy to blame technology and social media, I think lack of discipline has been the reason. Distractions have been there and will always be there, it’s up to us to develop internal discipline and foster habits for success in life.I bought Good To Great about 3 years ago, but it remained unread on my bookshelf…
Read MoreLast night, I got into a very spirited argument discussion with a close friend on education systems. He was of the opinion that education systems are part of a larger societal dynamic, and one person cannot change systems within which society operates; for that reason he didn’t see the need to take children through a different system, which would turn them into societal rejects (paraphrased)….
Read MoreI love gadgets, just as much as the next 21st Century person, but I’m also a frugal person (or I try to be), for that reason I don’t spend much, if at all on gadgets. Right now, I have the iPhone 4, Galaxy Tablet, and I need one more phone, so I’ve been looking for HTC One deals hoping to find a reasonably priced phone. Over the last…
Read MoreAs I mentioned in this post (Why I chose To Work In A Start Up Over A Corporation), not everyone thrives in a start up, there are certain inherent qualities that make you a great start up employee. I expound on a few of them on this post. 1. Does lack of structure excite you? Most start ups lack structures and in most cases will depend…
Read MoreOn this blog, I advice that as much as possible to avoid debt, but life is such that at one point or another, you will need to borrow, either to take care of an emergency or to make an investment. Used well, credit could be as much of a wealth building tool as picking the right stocks and investments. Internationally, there are ways to score…
Read MoreIn my post on how to save money on clothes, I suggested that you scour style websites for fashion advice, especially when it comes to picking the classic pieces you’d want to splurge on. I came across the following sites that not only give great style advice, most embrace minimalism: the concept of not collecting more possessions than you need. We all admit, our closets…
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