Since we were little we hear that time is money. If you do not know how to manage your time, you will not be able to achieve all that can make you happy and satisfied, you’ll have less time for your life, education, your job, your friends and your family. Time should be appreciated as [...]

1. Sit in front of your computer or an old fashioned notebook and make sure you have a few hours to spare.
2. Estimate your monthly income and expense. Divide expenses on regular and extraordinary. Include all expenses, even those that are not as “serious” as paying back your loans. The main criteria is to include [...]

One of the most important rules connected to gifts is that you must never give away gifts that are too expensive and which might put the other person in an awkard position. It is just not polite. If you receive a gift that is clearly out of your price range, don’t feel obliged to give [...]

When it comes to money an inevitable question arises – where is the border between being frugal and plain cheapness? Frugality is regarded as a positive feature and people regarded as frugal know how to use money to their advantage and can use money wisely. Cheapness is unpleasant to both the cheap people and to [...]

If you are still one of those that enjoy cigarettes, we can present another argument to stop smoking. Together with all reasonable arguments relating to health hazards as it is presented on cigarette packs, we have another strong argument to stop smoking.

Calculate the cost of cigarettes, on the daily, monthly and yearly basis [...]