Author: The Tortoise

I am a software engineer by profession and a personal finance enthusiast by passion. I read a lot and like to write about my experiences about applying what I read. One day I hope to positively impact a few lives by my positive thoughts about personal finance.
Budgeting, Investing, Personal finance, Savings

Who moved my cheese? How to deal with changes in financial plans

The Tortoise

The title is taken from a famous book as below. Even though it is meant to be a management philosophy, it applies to the subject of personal finance as well.  https://read.amazon.com/kp/embed?asin=B004CR6AM4&preview=newtab&linkCode=kpe&ref_=cm_sw_r_kb_dp_tIGqEbZ4SSXY6 Financial Planning does not work?  There is a proverb in the military - Plans are good till the first bullet is fired. Some of… Continue reading Who moved my cheese? How to deal with changes in financial plans

Budgeting, Investing, Personal finance, Savings, Spending

The SAFE plan – Simple, Automated, Flexible and Efficient

The Tortoise

Safety in financial world is an oft-repeated word, and is mentioned in contrast to risk and growth. We talk a lot about risk-return trade-off, safety of invested principal in long term and short term investments. There is another way of looking at Financial Safety. The SAFE plan described below is a way of setting up… Continue reading The SAFE plan – Simple, Automated, Flexible and Efficient

Personal finance, Spending

Good Buy or Good bye a house purchase

The Tortoise

I had been thinking of upgrading to a bigger house for some time now. This is a difficult decision when you struggle to justify more debt, more wants and lifestyle creeps. There are various factors to consider in deciding whether you buy that next dream house or say goodbye to your wants for a duration,… Continue reading Good Buy or Good bye a house purchase