Tag Archives: Wealth

3 Ways To Shift Your Mindset From Scarcity To Abundance Mentality

Living from paycheck to paycheck may seem daunting. It was happy at the start but we get anxious at the end of every month as our money gets super low.

We might think that we can live off with the current salary and wait for the next increment. WHEN? In 3 years?! That’ll be quite some time to wait.

What if there is a faster way? There is! In these times, it’s worth to look into investments in properties, stocks, or businesses. Its alright if you are not sure about what to do – it’s natural when you are at the launching phase. First things first, every positive change starts with a positive mind. This is crucial to be able to achieve financial abundance. Here are 3 ways to cultivate the mindset!


If you want to live a remarkable life, you must master your emotions, that is, to be able to understand and control them. This works the same for MONEY.

Our wants and needs which is centered from our emotions uses money as the means to obtain what we desire. Relief. Content. Embarrass. Pride. Guilt. These are some of the emotions we associate ourselves to money.

But then again, what if you can use money and produce positive feelings most of the time? This is where your BELIEFS about money comes into place.

“If I have money, I can be with my family on all times.” “I can do whatever I want if I have tons of money.” “I can do an activity as fast as possible if I have money” or “I can have the ultimate wardrobe!”. These are the examples of positive things we should associate ourselves when it comes to attract money in our life.

Tony Robbins, in his book, Money: Master The Game stated that “repetition is the mother of skills“. We can train our mind to be an optimist by repeating positive lines within ourselves. By doing so, achieve a life of financial abundance .

But then again, while you want to be an optimist, there will also be times when you will opt for an avoidance approach. An approach that at least keeps your mentality cushioned – things that might lead to pain. This is where we might say, “If i make money then people will judge me” or “I will be too old to enjoy money” “If I make money then I wont have time to focus being spiritual”. These are the lines we need to avoid saying to ourselves as it will train our subconscious minds not to become the best version of ourselves.

Being in financial abundance is better than being in financial scarcity. More money means you can pursue greater meanings in life beyond our financial means. You can HELP more people in need and who knows, they might be able to achieve what you did and in return – they will help people that used to live like they did. This is what is called the RIPPLE effect.


Imagine you earn more than what you spend in every month of your life, wouldn’t that be GREAT?

All it takes is discipline and perseverance.


It is as simple as taking a portion of money from your monthly salary and dump it in your investment account. The key is to make sure the amounts compounded every year so that the funds grow bigger by every year. This is a sure way to skyrocket your way to financial freedom – you just have to try!

Now, we are only talking about the passive way to grow your funds. Not the active way yet.

Repeat this every day or every month and see how your figures will grow. The only condition is to keep the funds in the bank account as long as you can without withdrawing it as it will affect the growth rate of the fund. Well, until at least you have hit your targeted amount that you want to accomplish. Achieving financial abundance would be easier.

Always save what you have and in return, invest the differences!


As mentioned before;

“Repetition is the mother of skills”

Tony Robbins

Let’s say you figured a way to make $1. Why don’t you repeat the same process for another 1 million times?

It make things easier to see and process when you do an activity at one time after another. Take one step at a time. It will reduce your stress and at the same time makes it more bearable to achieve your dreams.

Because you are FOCUSED.

To achieve a dream, you must have goals. Goals are what you do everyday to achieve the ultimate purpose – in this case, called a DREAM.

A dream can be anything. Buying a mansion, become rich to give back to the poor, or as simple as opening a small business. And it may takes a certain amount of funds – for example, $100 a month to collect $1,200 to open a small lemonade drink business. This requires monthly goals that you have to meet to achieve the dream of having $1,200 after a year.

The higher you dream, the higher the price would be.

A part of achieving a dream would be to fail. Good ideas comes from failing. Failing is an inevitable process that every people must face to become successful. But you will regret less in your old days if you have failed in something. Because it means you have at least tried something to fulfill a dream in your life even if it means you have to fail.

But then again,

Fail and fail again until you succeed.


5 Core Things Needed To Retire Early

It was a casual saturday and I’d normally stop by my favourite bookstore to top up my family’s weekly groceries.

It was then that I come across this amazing book called “Your Way to Financial Independence”, authored by Yap Ming Hui. He’s been helping a lot of people planning out their life and achieve financial independence – his company (Whitman Independent Advisors Sdn Bhd) helps people to achieve this. Check their page out if you are keen to restructure your life plans at https://whitman.com.my/.

I only imagine the idea of financial independence and retire early in life so that I can do things that I deem much more important than working around the clock and have no time to do the things I’m really passionate or care about in life such as spending time with my loved ones.

Hence, I believe it is vital for me to get my notes into other people’s notes. Knowing key knowledge in life earlier in life will help reduce your stress in future to come. Just like Jim Rohn said, ignorance is not bliss – ignorance is pain and tragedy.

In this article, we’ll be going through 5 very simple cores to take note if you plan to become the master of your money. I believe this will pose as an important turn around in reader’s life if people know these infos early in life.

1. Spending

Knowing where you stand in life is important. This is the same in spending, knowing how much you spend every day or every month determines your financial standings for that period.

An important note from the book, very simple –

The more you spend, the less savings you have.

The more you spend, the more money will be needed to maintain your lifestyle.

Spending relates very closely to our wants and needs, being aware of your wants and needs will help you steer your way to a more controlled spending life.

2. Return on investments (ROI)

The main idea here is that wealth will work for you better when your ROI is higher.

How do you get high ROI?


There’s ROI from properties, stocks, bonds, businesses, dividends, compounded bank interest and so on – we only need to get a good research before getting our hands on those investments.

But be alert to get ROI that is above the inflation rate. Otherwise, your money will lose its value across time. It’s as if we didn’t invest at all.

Read more at the links below to know a little more about investments you can start!

3 Surprisingly Creative Ways To Make Money From Properties

Stock Trading For Beginners

Making money while you sleep – the compounding bank account (ASB)

Now let’s continue..

3. Savings

Savings and spending are like yin and yang – they are closely associated with one another.

Just like mentioned previously, the more you spend means the lesser you save.

When we retire, the money we saved will be utilise for our daily wants and needs. But the best way to use that big chunk of money upon retirement is that we invest it and earn dividends in return.

This is where big savings are important so that we only need lower “Return on Investments (ROI)” to sustain our daily life after retirement.

Take an example,

Josh who saves $16,000 a year would need to achieve ROI of 18.3% to accumulate $1million in 15 years time compared to the same Josh who saves $36,000 a year that needs only 8.3% ROI to accumulate $1million in 15 years.

Which Josh do we choose to be?

The point is that saving money consistently bears high result financially and save you more time to buy your financial freedom in the future.

Have a read at…

How You Can Save $1300 A Month With $3000 Salary

and find ways how you can save your money better!

4. Time

When it comes to time, it means to forecast the period where certain of our wants and needs will appear in the foreseeable future.

For example, the time when:

1. We send our child into their tertiary education

2. We drawdown our retirement funds

3. We will marry or our children get married

And so on.

It could be a cash inflow or cash outflow depending on our needs and wants but normally big events in life. This is so that you can roughly estimate how many savings you must have or maybe a certain ROI you need to have to ensure your financial independence goals are still in check when the time comes.

5. Inflation

When it comes to investing, always take into account inflation rate.


Because your ROI might be lower than the inflation rate. This will result in your investments losing out money whether short term or long term – and we don’t want that.

We expected a return on the money we put to work – what if after 5 years you discovered that your financial status is still the same?!

That’s a nightmare.

Hence, make an effort to check the current inflation rate and which investments whether individually or aggregately are able to beat the inflation rate.