We get the message "Ubah Gaya Hidup", everything just hike up when fuel price increased. House is getting more expensive, stocks market is unstable, banks may increase interest rates. Political drama keep going on and economy isn't getting better, our country is in a mess. It seems like we had no idea what's gonna happen next.

Despite all the negativity that kept pouring in, "Ubah Gaya Hidup" living better for less seems impossible to be truth. In other perspective, a tough time could means a good time to make a difference in your life, a positive change.

How to take advantage in a bad economy?
Many of us are trimming their expenses and going out less, many has cancelled their yearly vacations from their to-do-list, you can utilize this time around to go travel with smaller crowds, MATTA Fair is just around the corner, visit and grab the cheapest package as fast as you can.

Invest, if you have money in your bank account, this would be a buyer paradise to invest in real estate, there may be many houses out for "lelong" and you can get a good location due to many empty lots available. Another opportunity would be starting your business, a great time to serve the market who would like to spend less for more, or perhaps look for a market that has the most number of businesses closing down and start building the root from there by researching the reason and find the solutions to cater for the market needs this time around.

Start a blog and earn money as people would be spending more at home surfing the internet looking for information and ideas to improve their life, aims for something that people would like to read such as money, entertainment, personal development and daily solutions method.

If worst come to worst, you can take this opportunity to explore working abroad where currency is much stronger. If you really have too many expenses you can't cope and in bad shape due bad economy, this could be a good idea to think about.

After all, economy wouldn't be bad all the times, we can make use of the bad times to learn and the good time to save so that we can handle it in future. "Ubah Gaya Hidup" to kicks the bad habits out and cultivate good one.

When it comes to money, it is very sensitive topic to talk about, when something goes wrong, it will ended up in a big fight and worst still affect the relationship that is so close. Everybody fight over money, husband/wife, friends, couple and family members.

No matter how nice you are, when talk about money that's not the way you want, you can be the fiercest person on earth. Money makes the world go round, here's where the common use of "No Money No Talk" came from. Everyone need money to get food into their stomach and a roof over their head, money is not evil, what's evil is the stress that cause by lack of money, for long we have know that stress can affect your mood and emotions, stress can make you gain or lose weight, depression, sleepless, loss appetite, loss interest in sex, anxiety and many more. Stress can kill you slowly and affect your health in long run, so why fight over money?.

If you recall in your past why do you get so angry fighting over money with someone, is it because it does not meet your dreams, desires and goals. Stop for a moment, think again what leads to the arguments and what is cause of the stress and increased the tension. Is it important? Now switch your thought to how lovely and care the person gives to you. In fact, at that point of time, you can only see is their flaws and not why you love them. Even if you win the fight over money and got what you want, unfortunately someone you love and care about suddenly becomes someone you can't be around, do you want that? Money can't buy happiness, money problems lead to stress. Stress can leads to divorce, break up, loss of friendship and disconnect family love.

"No matter how thin you slice it, there are always two sides." - Baruch Spinoza

Whether you want it or not, couples fight over money because one or neither party are lack of money management. To avoid the fight, it is important to know that couple instead thinking like two, both should be thinking and acting like one to achieve the goals they set, goals setting should be realistic and discuss peacefully among each other. Hold to the trust to each other.

Only people make money evil and fighting, money has no problem, if you deals money issues in different perspective positively, you could see the other side of peace and harmonious. If you have read "who moved my cheese", when rat hit a roadblock, they would look for other way out, but unfortunately for human being, when they hit a roadblock, they start to blamed on others. If rat can find other way out, why can't you?

What do you see yourself in age 60, retired and finish rich. I have heard that only 1% of the people retired rich and 60% of them finish rich because of business, the rest are either inherited or from high management position (CEO, CFO, etc…). Ever wonder how to be part of the 1% of people to finish and retired rich. Recently I read a book - How You can become A Multi Millionaire Real Estate Investor by Milan Doshi. There's an idea from the book that suggested you can become a Millionaire getting 1 property every 5 years by saving as little as RM450 a month. The idea is pretty awesome and is good if you start from NOW. Since I am in the late twenty group, it would be a good time to start to set a goals for this.

It may sounds strange for a person not reach thirty to have such thought of thinking retirement, but I have been thinking about retirement and visualise them lately, I think I am getting older and older and need to start something. Seeing some of my friends, in their early thirty still partying all night long and not ready to settle down financially, I am not sure if they had any plan but what I know is that many of them are planning to get out of Malaysia to earn more Money. Is the grass greener on the other side?

If you happened to visit some of the seminar about wealth, you may notice, all walks of life is there to look for a change in their life, some are fourty and fifty, some are doctor, businessman and millionaires (no kidding). Sometimes, I was wondering what are they doing here, they shoud enjoy the high pay salary or income. I was wrong, they are having good pay and income but felt insecure and no freedom. It's not passive income but active income, if they stop working today, the money will not be coming in. What they are looking for is multiple source of income which mean the number of days they can survive if they stop working today.The true wealth to retire rich is to live rich with lots of freedom.

So, the next time when someone ask you, how much a person actually needs in order to retire? The answer should be the number of days I can survive in infinity if I start to stop working now.