Personality Test

I enjoy taking personality test. Recently, I took a free test from keisey.com & http://www.personaldna.com/tests.php, it is not a comprehensive report, but it does tells you which temperament you fall under.

Jars To Wealth

There is a system that helps people better manage your money. It is called the jar system. There are 6 jars in total. Basically, after getting your salary, you are required to divide your money according to the percentages to each account below.

1st - Financial Freedom (10%)

This account is meant for retirement. This account is actually further divided into 3 parts. They are the Security and Growth.

Security > This is for you to tide over rainy days or emergency. You may called it the contingency funds if you like. You should have about 3 - 6 months of your income. The number of months required depends on your comfort level for security.

Growth > This is for you to grow your money so that you will be able to retire early.

2nd - Necessity (55%)

As the name suggest, this is for your basic needs.

3rd - Play (10%)

This should be the jar that most people will love most. Why? The money that goes into this jar is for you to spend on whatever you like. It could be on vacation or luxury items or hobbies.

4th - Education (10%)

This is for enriching yourself with knowledge. The thing is that I find that most people aren't really into education, if that is the case, you can simply remove this jar and split your 10% to your Play or Long Term Savings to Spend jar. The best will be to add it to your financial freedom jar. Then you can retire earlier. 

5th - Long Term Savings to Spend (10%)

This is more for big ticket item. It may be a car, a house, or maybe even a long vacation.

6th - Give (5%)

This is more for charity purpose. Some people will also take away this jar. If that is the case, you can just put the 5% to some other jars. 

By splitting your money this way, you will definitely save money. The important thing is to always put money into your Financial Freedom jar right after you get your paycheck.

Happy saving! 

3 Tips For Proper Food Combination

1. Eat fruit only by itself. Eat fruit either 20 minutes before you eat or several hours after you eat.


2. Do not combine proteins and starches as they are not compatible. Proteins require a more acid environment and starches require a more alkaline environment.


3. Eat 70-80% high water content, live, raw foods.