Hypnagogic State

From birth until your bones can no longer bear the weight of yourself, it seems that we have been taught that failure not only is bad, it's actually the worst thing ever: not only sets you back, but prevents you from doing what you have to do and what you want to do, and is, in the end, a source of humiliation. It's curious that even self-created goals that other people know about can be a predictor of humiliation in case of failure. Even if there are others around you about who you don't really care, depending on your personallity, there's a chance you will. Such will make you perceive such humiliation as something that you'll have to carry unrelentlessly. Where's the problem here? Is it part of our nature to avoid failure in order to achieve set goals, or was it (and pardon the cliché) society that throughout all the history and the years that created this unchanging need to succeed and to shun failure in any way or form? In schools, universities, and mo...

At this point in time, I'd say it's quite useless to discuss advantages and disadvantages of credit cards. With some financial literacy and careful thinking, one can access whether having a credit card is beneficial or not. However, many people still seem to get credit cards as an emergency measure. This is one of the biggest financial mistakes most do. Yes, you can build credit, get discounts, frequent flier km, and banks usually offer you some kinds of perks or gifts on sign up. And yes, you can get easily accessible money you can spend in case some clouds start to form in the horizon. The problem with this line of thinking is that someone who is currently financially stable should not be thinking about credit cards, but rather about building up savings which would, with due preparation, be ready for that sudden car tire change or fridge breakdown. It's undeniable that one who uses a credit card responsibly can take advantage of its advantages; moreover, each person...

The longer money has been around, the harder it seems it is to understand it. Spiralling debt is now one of the biggest problems for several households in Europe and North America. It is fair to ask, then: where is the proper financial advice and why is it so hard for households to stay out of debt? One personal example will never be quite like the other, but there are always a couple of maxims anyone can follow, or at least, try to live by. Understanding how money works and why it exists is something everyone should strive for. Frugality is a tough term to describe but can always be considered a starting point. Some define it as trying to live with as little as possible and making as many cuts as they can, while others define it just as spending a little part of your income. Obviously, if you have an income of 5000€ per month, then frugality shouldn’t be hard to come by. Personally, I would describe frugality as spending just what is in fact needed. By needed, I am including ...