Hi Reader, This weekend, I sat down to do my regular review of finances and investments. I got so absorbed in it that I didn’t even notice how quickly the time passed. And as I looked through my portfolio, I realized something…At one point, I had made things more complicated than they needed to be. Maybe you’ve felt this too - wanting to try everything, just to make sure you’re “doing it right” or “not missing out.” But here’s the quiet truth: You don’t need more. You need a simple approach...

Hi Reader, When we want to improve our finances, the instinct is often to do more. Track money more. Plan more. Optimize more. But sometimes what helps the most is the opposite. Making one thing easier. For example: Create 1 simple rule for spending. Rename a savings account so its purpose is clear. You might also try: Create a short “money overview” note.Write down your 3 biggest monthly expenses, so you always know what must be covered first. Just make the important things visible. Then,...

Hi Reader, In my part of the world, we’re welcoming spring. And I really mean it -almost two weeks of sunshine, temperatures finally rising above zero, and warmth reaching my bones on every walk outside. It’s hard to believe that just a month ago the lake in our city was frozen solid and people were ice-skating on it. As winter fades, it changes not only the weather but also our money attitude. We focus on the next big thing or the next goal. But today I’d like to invite you to open the notes...