Playing the game of money to win and increase your bank balance and net worth to build long term wealth and protect it. Build the amount of wealth you deserve and want whilst maintaining overall balance and avoid it being your sole purpose in life.


This is common sense but not common practice and before you know it you are spending too much and getting into bad debt completely unnecessarily and unconsciously. Credit cards, online shopping, convenience and access to cheap money makes us feel like we have almost infinite money supply sometimes but this is not the reality. The reality hits you when at the end of the month you have to pay your credit cards and you can't even remember what did you use the money for.


What doesn't get measured doesn't get managed. We all need to know how much we are spending at least with a monthly basis granularity. You need to know where money is going and what it is doing for you and your family, if you have one. Managing money requires getting current on all your accounts and then building a sensible budget. Even the richest person needs to know how to manage money as otherwise he/she could lose it all if not careful. Sometimes is not how much money you accumulate but rather how much money you keep.


Managing money and improving credit worthiness go hand in hand. Sometimes in order to get rid of bad debt we need to get better loan products with better interest rates and pay less interest overall. For some people this is simply unaccessible and confusing language but the purpose is precisely to make you a better, knowledgeable and smarter person at managing money so that you can improve your credit and therefore access money sources in a much cheaper way.


I bet you have a desire to have more money so you can do XYZ with it. We all want it, let's be honest. Why not? There is nothing wrong with the desire to having more money and do good things with it for you, your family, your community. But I also bet that you are probably asking the wrong questions and looking in the wrong places. Sometimes in order to make more income we don't need to work harder but we need to work smarter. Let money work for you. Or let money increase by you spending the same amount of work time. It is a question about being efficient with your time as an input and the money being generated as an output.


Once you have disposable money you realise that leaving it in the savings accounts as liquid cash you are actually losing money due to inflation. I will explain in future posts why this is if you don't understand it. But growing your money is perhaps THE most important aspect of money in my opinion. This is also perhaps the topic that we all suffer from lack of knowledge, experience and frankly scared about. But like anything in life, when you don't know what you don't know we are blinded by our own ignorance and in-action. Overthinking, overanalysing things to the point that it paralyses us and inhibit us from taking a bold step. This aspect is about investing your money wisely. Today (2021), anybody can open a stock investment/brokerage account and start buying shares in the stock market. So the problem is not about access, and is not even about disposable money to invest - because you can start investing with as little as £1 and buy penny shares or fractional shares. The point is lack of knowledge to start. A little knowledge could help breach the gap. It's not about timing the market either, it's about time in the market so the sooner you start the better the returns over the long term.

Warren Buffet says it best: “If you don't find a way to make money while you sleep, you will work until you die.”