Spending and saving

For some reason it seems to be more acceptable to talk about spending the money than saving it, even if you spend before you really have it.
Yes, I mean using credit, which isn’t usually very wise thing to do.
I say usually cause there are exceptions,
like if you use the credit to make you even more money.

Of course it is nice to talk about things we have bought, but I think it would be even more nicer to think what we can get later, if we just continue to invest and grow our capital. Spend now and lose an annual rate for that money. Buy an Skoda now or buy an Lamborghini later...

I also do have some materialistic things that I want to have, expensive things at least for most of us and don't feel any shame of wanting them; Ferrari 458 and an Rolex, a house from far away sunny country for a start.
Things which I really don't need, but want them anyway.
And when having enough money to afford these things, I can make an decision of the purchase if I like to.
Freedom of choices that money brings.

So why saving and investing seems so hard for some of us to talk about?
Money, dividends and investing are not bad things. And anyone saying something else in their sneakers made by a big listed company should think about their sayings.

In a nut shell: Investments are mandatory for the listed companies and as an investor, I would like to have something back. And when talking about the money, isn´t that what are used to pay educations, child care or groceries etc?

I don’t feel any shame for being me,
I didn’t when I was poor and I certainly will not when I will be rich!

Never judge the book by it´s cover

You see a guy not shaved, picking up the empty beer cans from the streets and wearing a bit strange clothes and you almost instantly without further thinking judge him as a poor fellow trying to get his money together in that way.

You in the other hand see another guy wearing suit with all the accessories and jumping to behind of some german wheels and driving away and you think that this guy has made some money and succeeded in his life.

What if I say that it can be the opposite, or it can be even the same guy in a different day. I could be that guy described there, sometimes I couldn´t care less how I look and sometimes I like to wear some nice suits and turn heads while walking in streets or if I just have some occasion that requires to wear suit, then I of course wear for it.

We judge very easily people that we see by their appearance, clothes cars or even by their watch. It´s easy to buy Rolex with loan, same goes with cars, clothes and everything you could think of. So no Gucci or Louis Vuitton outfit make you a rich and wealthy person, except in the eyes of the fool.

In the same time it is also a good thing, I've been using this trick many times when I have needed an advance in some situations or sometimes just for the fun. I also happen to like some luxurious brands and their products.
So next time you see this guy picking up pennies in the streets, remember he can be an wealthy guy and is just collecting money he sees laying around. Never judge the book by it´s cover. You never know... Follow my blog with Bloglovin

Life goals, bucket list, motivation and happiness

I wrote earlier that I believe that money doesn't make anyone happy, and I also believe that you need some. So why I spend so much time thinking and reading, studying everything investments related?

The simple answer would be, cause I want to. I really enjoy doing that. I call it a hobby and until I live by buying and selling stocks or dividends payed, it will be a hobby. A hobby that will most likely change the way I live in some point and It has changed the way I think already.

I do have dreams, and I´ll make some of them reality in some day. Some of them are meant to be just dreams, nothing more. We do need dreams to motivate and push ourselves forward time to time. Sometimes I close my eyes and dream about a sunny beach and a perfect wave, some small idyllic flat that would be my escape from the northern cold and dark winters we have here in Finland. And I know I´ll have that some day, even now I think I could get it, but not the way I want it.

Remember, I do believe that having a money to buy something doesn't mean that you can really afford it. So it is a dream to become true later. These dreams are important for me, they are something that keeps me going, trying, studying and investing. That's a basis of my motivation in life. Dreams.

Being happy and having a good time, enjoying life, that's the goal. I think I must rethink my actual bucket list for a while. Add some materialistic things as well as feelings and experiences to it. Now it´s limited to a Rolex, Ferrari and a summer place from abroad, oh and Iceland. I want to experience Iceland.  And any or even all of those things doesn't make me happy, I know that. Except the Iceland of course. :)

You get a new car and feel good about it for few weeks and then it´s just another car, you get used to it. That is the way our mind works. And it´s same with all the materialistic things.

So what I am trying to say here is that we do need to have dreams, the materialistic also, but we also need to understand what things are really important in life; like health, family and friends. Dreams, and bucket lists change and they should, as we change also and the world around us. I would like to hear from your dreams, bucket lists and what pushes you forward, if you're willing to share them..

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