I finally started investing

I’ve been working on something for the past few months.
Something I kick myself for not starting earlier.

And that is, building my investment portfolio.

For the longest time, I’ve just been letting my dollar dollar billz sit in my bank account while they’re earning me 0.000001% interest.

I already set up my emergency funds and still had some money leftover.

So I thought, “Why not invest the rest?”

Before I invested a single penny, I told myself to play the long term game. I assumed doing anything outside of that will end up screwing me over.

And I know I’m not completely wrong. I know some people who invested in AMC and Gamestop stocks, even Dogecoin the cryptocurrency because their friends told them to and they wanted to make a quick profit. Before they knew it, prices dropped, they panicked, cashed out, and accepted defeat.

Honestly, they’d probably have a better chance of profiting if they bought stocks chosen randomly by a blindfolded monkey.

But I can’t completely blame them. It’s hard to resist the feeling of missing out and not want that instant gratification.

In fact, I think wanting instant gratification is what causes people to screw themselves over in the first place.

I believe playing the long game is always the way to go.

That applies to email marketing too.

It’s very rare to see someone throw their money at you as soon as they join your email list. It takes time for the relationship and trust to build.

I heard stories of people being on an email list for years until they finally bought something.

That may not always be the case, but that’s just how the world works.

If you want to learn more about how to write emails that’ll make you a long term winner, check out How to Become an Email Titan.

How to Use Debt Consolidation to Clean Up Your Finances

A significant challenge that many people experience as they get older, especially those who are not the best at managing money, is the mounting debt that is against their name.
Perhaps you paid for private college or university, or you had to spend a lot of money on a car or other expense. While you may have thought that taking out loans was responsible, as they were relatively low interest, you are now having to deal with the aftermath.

Between significant loans and regular credit card debt, you likely have a lot of monthly payments to get through. Below is a guide that explains how you can use debt consolidation loans as a way to get out of such a hole.

What is Debt Consolidation?

The concept of debt consolidation in NZ is that you are taking all the money that you owe, and combining them into a single, low interest loan. People find this is advantageous, especially if they have a lot of money to repay that could take them several years to get through.

If you were to make a list of all the money that you owe each month as a result of loans or credit card bills, you are looking at a significant percentage of your monthly income. People who are giving up 50 percent or greater of their income to debt will have a very hard time making ends meet, or saving any money.

Debt consolidation loans can come in handy during such situations. By engaging in debt consolidation in NZ, you can lower the amount of money that you have to pay each month to a manageable level.

Extend Your Loans

Taking longer to pay back loans, on the surface, may not appear like the smartest way to get out of debt. The issue for a lot of people is that their monthly loans are not manageable anymore. You may have taken out two or three long-term loans, while putting money on your cards, thinking that you can handle the minimum payments.

The problem is that minimum payments can add up very quickly, and if you are only paying a modest sum on each loan, you are incurring a lot of interest charges. That puts pressure on you to quickly pay off your loans, which can eat into your monthly earnings.

Taking out a single loan that you can handle with your present earnings will make life a lot easier. Depending on your current job and credit history, you may be eligible for a debt consolidation loan that is lower interest, compared to many of the loans that you are repaying.

Rebuild Your Finances

Arranging your loans into a single, manageable payment is only the first step in getting your finances in order. Limiting how much you have to pay in loans each month will make your life easier, but does not solve the root cause of the problem.

What you must tackle is your spending, as it is over spending that likely got you into this problem. To find a solution, start by spending two months tracking every dollar you spend. Assess where you are spending the most money, and what expenditures you could eliminate without damaging your quality of life too much.

Perhaps you are spending a lot of money when you go out on the weekends, or you love ordering take-out or delivery food. Such indulgences are great when you have a very high paying job, but if you are struggling to save money, you may need to cut back on some luxuries to secure your long-term future.

Take Control of Your Life

Allowing debt to take over your life is not pleasant, and can have a significant impact on your personal and professional life. Not only will you find it difficult to focus at work, but your relationships with friends and family may be impacted by your constant stressing about debt.

Rather than letting the cycle of repaying various loans each month take over your life and consume your thoughts, debt consolidation offers an out. You still have to pay back the money you owe, but you can do so using a single, manageable loan.

You take the money from that loan, pay off all the loans and credit card debts you owe, and then start making monthly payments on the consolidation loan. Within a few years, you will be debt free. If you have made changes to your spending habits in the meantime, you will likely have significant savings by then as well.

How to make money with cryptocurrencies

The crypto market is exponentially growing, and, as a result, cryptocurrencies are generating a lot of interest from would-be investors. Despite its well-known volatility, many people see it as an opportunity to grow their investment portfolio.
If you are inclined to invest in cryptocurrencies, the good news is that there are numerous opportunities to earn real money with cryptocurrencies. However, before joining any crypto exchange, it is extremely important to understand what you are investing in and the opportunities for making profits.

This post covers how to get started with cryptocurrency and ways to make money. Read on to learn how to make money with cryptocurrencies.

Guide to investing in cryptocurrency

Cryptocurrency is a digital currency that solely operates on a blockchain, a digital ledger that ensures the same coin is never used twice. While many people use cryptocurrencies to pay for their purchases, it is more broadly an investment.

If you are looking to broaden your portfolio by investing in crypto, these steps and tips will be of great help:

1. Understand what you are investing in

There are literally thousands of cryptocurrencies, all functioning differently and new ones being created nearly daily. To avoid falling into some sort of trap or making significant losses, you need to understand how individual cryptocurrencies work and the investment case for each.

For the most part, cryptocurrencies are assets on their own, meaning they are not backed by any other sort of asset. You have to sell the assets at a higher price than you paid for them to make profits. The idea is to understand that there is an equal chance of making losses.

2. Focus on the future potential of cryptos

Everyone gets into the crypto market hoping to make money, but many end up quitting. But why?

Many new investors make the mistake of looking at the past and extrapolating the same to the future, which shouldn’t be the case. When investing in cryptocurrencies, you should focus on what gains you will make, which does not necessarily depend on the performance of crypto in the past. For instance, there’s no guarantee that bitcoin performance will continue into the future, so focus on how you can drive returns after investing.

A little knowledge about the past is essential, however.

3. Watch for volatility

The crypto market is one of the most volatile markets. The prices of any cryptocurrency can drop or rise very quickly. Understanding how the market generally trends and being able to predict how the prices will move can give you an edge, particularly if you can execute trades rapidly.

Before investing, you want to make sure that you can optimally leverage volatility; otherwise, it may crush your investment. Many crypto exchanges help new investors solidly grasp the market’s fundamentals from the go.

4. Learn to manage your risks

Investing in volatile assets like cryptocurrencies requires you to manage your risks. The biggest thing is to know how you can develop effective processes that keep losses minimal while increasing the chances of making profits.

Depending on how long you want to stay in the industry, you may want to set strict rules on when to trade, then adhere to just that. It is also good to beware that managing risks comes with an emotional cost.

5. Invest what you can afford to lose

Crypto trading is lucrative, but investing in cryptocurrencies carries very high risks. As such, you don’t want to put the money that you need into risky assets like cryptos.

When it comes to investing in cryptocurrencies, the thumb rule is if you can’t afford to lose it, don’t put in trading. A better way to get started with cryptocurrency investment is by working with a broker or crypto exchange platform. A reliable crypto exchange will help you secure your assets and may offer tips to leverage the volatile market.

Ways of making money with cryptocurrencies

There is no absolute best strategy for making money with crypto. What works for one investor might not be the best for another investor.

Here are strategies to consider:

• Investing – This involves buying and holding cryptocurrency coins or assets for some time and selling them when the prices are high. Despite being very volatile, cryptocurrencies tend to have enormous growth potential over the long term.

• Trading – If you can execute trades rapidly, you can benefit from the crypto market’s volatility. Trading involves leveraging short-term opportunities. However, this requires apt analytical and technical skills.

• Mining – This is one of the oldest ways to make money with cryptocurrencies. Crypto mining is profitable but requires expertise and significant upfront investment. The most exciting part is that it carries the least risk.

• Staking and lending – Best left in the hands of those experienced with the world of cryptocurrencies, staking is the technique of validating cryptocurrency transactions. It is an integral part of Proof of Work (PoW), and you get rewards comparable to the interest your credit balance attracts.


A good grasp of concepts around cryptocurrency is the trick to becoming successful crypto investors. Hopefully, this post educates you on some of the essential things you need to understand before investing.

If you want to go beyond being just a beginner at this or any other skill, and work toward developing a real mastery, then you are going to need a deeper and more powerful strategy. What you need is a way to hack your brain so you can develop a winning mindset.

A winning mindset is a state of mind that allows you to enter a flow state at will. You do this by programming your subconscious mind.

Believe it or not, most of what you do throughout an average day is NOT freely chosen by your normal waking consciousness even though it may seem that way. The truth is that most of what you do on a day-to-day basis is done on autopilot. An example of this would be when you’re driving your car and as you do so you get bored and begin daydreaming. Before you know it, you find yourself several miles further down the road with absolutely NO memory of having driven those last several miles.

So, who exactly was driving while your waking consciousness was in la-la land, and how exactly did you manage to avoid an accident? Your subconscious mind was in control. You already spent years programming your subconscious with how to deal with a broad range of possible driving scenarios and thus it had no trouble taking the wheel while your waking consciousness took a little break. In other words, you were able to take effective actions without having to THINK about them.