MY BLOG
Welcome to my personal finance blog!
Dive into my latest articles designed to make managing your money simpler and smarter.
Feel free to explore, and if something sparks a thought, I’d love to hear from you!
WHAT IS PERSONAL FINANCE AND WHY DOES IT MATTER?
When we talk about personal finance, we usually mean managing our money to meet our own personal financial goals.
This includes evaluating your…
EVERYTHING WE SEE TODAY IS 100% DESIGNED TO MAKE SURE THAT YOU CONTINUE SPENDING AND PARTYING WITH YOUR HARD EARNED MONEY
In today’s society, debt has become the new norm, and it’s almost like debt is totally normal.
Whether it’s a mortgage, car loan, or consumer credit, taking on debt simply means…
MANY WEALTHY PEOPLE WHO CONTROL THE SYSTEM DON’T WANT YOU TO KNOW HOW MONEY REALLY WORKS
Ever feel like the money system is designed to keep you stuck? You’re not alone.
The truth is, many wealthy people who control the system don’t want us to know how money really works.
Why? Because…
HERE’S HOW BANKS PROFIT FROM YOUR MONEY — AND HOW TO BREAK FREE
Banks operate on complexity and secrecy — hidden fees, confusing terms, and lending systems carefully designed to serve their interests first, at your expense.
These companies use various tactics to keep you borrowing, enticing you to…
MORE THAN A BOXING STORY:
THE HIDDEN MONEY WISDOM IN “CINDERELLA MAN” (2005)
The Cinderella Man is more than just a boxing movie — it’s a powerful story of resilience, perseverance, and the realities of financial hardship during the Great Depression.
Let’s see what financial lessons we can learn from…
FOMO IS MAKING YOU BROKE: HERE’S HOW TO STOP IT
Ever scrolled through Instagram and felt like everyone is doing better than you?
Someone’s on a beach in Spain, another person just bought a brand new car.
You’re sitting on your couch, suddenly feeling like your life is behind — like you’re missing out…
THE SILENT THIEF: HOW INFLATION IS DRAINING YOUR WALLET (AND HOW TO FIGHT BACK)
Have you noticed your grocery bill creeping higher, your rent going up, or even that occasional coffee quietly getting more expensive? That’s not just your imagination.
That’s inflation in action — and it’s not just…
YOUR WALLET IS A CLOCK: HOW “IN TIME” (2011) REVEALS THE TRUTH ABOUT MONEY
Imagine if buying a coffee cost you four minutes, paying rent meant giving up weeks, and running out of time didn’t just mean being broke — it meant dying.
This is the world of the movie In Time, where time literally is currency.
The rich live for centuries, the poor die young.
As wild as that premise sounds, the film is a chilling metaphor for our own world. It reveals uncomfortable truths about money, inequality, and…
THE 80/20 RULE: A SMALL PRINCIPLE THAT CAN CHANGE YOUR FINANCIAL LIFE
Have you ever felt like no matter how hard you try to save money, your bank account doesn’t reflect your effort? Or like you’re always busy but never really get things done?
If so, there’s a simple yet powerful principle that can make your life much easier: the Pareto Principle, also known as the 80/20 rule — a powerful mental model that can help you save and grow your money, simplify your…
HOW TO PROTECT YOURSELF FROM BAD FINANCIAL ADVICE
When you’re earning money at a job, you are the target for the banks, you are the target for the insurance industry, you are the target for credit card companies, you are the target for the student loan business, you are the target for the realtor industry, you are the target for…
24 SIGNS YOU’RE IN FINANCIAL TROUBLE — AND HOW TO GO FROM FINANCIAL CONFUSION TO CLARITY (PART 1)
This 4-part series that I named “Your Journey to Financial Maturity” explores the path from confusion to clarity — helping you understand why financial struggles happen and how to break free from them.
We’ll begin with Stage 1: The Foundation Stage — Lack of Direction & Awareness, where most financial problems…
24 SIGNS YOU’RE IN FINANCIAL TROUBLE — AND HOW TO GO FROM FINANCIAL CONFUSION TO CLARITY (PART 2)
In this stage, credit cards, loans, and emotional spending often take the wheel. It’s where short-term gratification can overshadow long-term stability.
Recognizing…
24 SIGNS YOU’RE IN FINANCIAL TROUBLE — AND HOW TO GO FROM FINANCIAL CONFUSION TO CLARITY (PART 3)
Avoidance is one of the biggest obstacles to financial recovery.
Ignoring bills, breaking budgets, or making excuses may protect your comfort in the short term, but it slowly erodes trust in yourself.
This stage is about…
24 SIGNS YOU’RE IN FINANCIAL TROUBLE — AND HOW TO GO FROM FINANCIAL CONFUSION TO CLARITY (PART 4)
Now, we shift focus to growth — developing the mindset, discipline, and self-awareness that lead to lasting financial confidence and stability.
At this stage, you move…
SINGLES’ DAY, BLACK FRIDAY, CHRISTMAS — AND THE MONEY YOU’RE ABOUT TO WASTE
Some spending habits are so common, so socially accepted, that we no longer question them — we don’t even see them for what they are: financial traps.
But first of all, you have to know this: every króna you spend falls into one of the following three categories:
1. Money that makes more…
HOW HIGHER RENTAL TAXES MIGHT AFFECT ICELAND’S HOUSING MARKET: A MOVE THAT COULD BACKFIRE?
Iceland’s housing market is in a difficult place: rents keep rising, construction is too slow, inflation is still above 4%, interest rates remain painfully high, and homeownership is increasingly out of reach.
What happens if rental income gets taxed higher — which is now being discussed in Iceland?
To understand why, we need to look at…
HOW TO PROTECT YOURSELF FINANCIALLY IN UNCERTAIN TIMES (AND WHAT TO DO IF YOU JUST LOST YOUR JOB)
Economic uncertainty is part of life, but the way you respond to it can make all the difference.
Even before a layoff happens, there are several key steps you can take to protect your financial stability.
This guide is designed to help you navigate this period with clarity and…
WHY YOUR CIRCLE AND YOUR HABITS DECIDE YOUR FINANCIAL FUTURE — AND WHAT WILL SHAPE YOUR 2026
As 2026 unfolds, many of us are thinking about the changes we want to make this year — more money, less stress, better health, a different life.
But real change rarely begins with goals or resolutions. It starts with two quieter, less comfortable things: the people you allow to influence you, and…
