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HRM

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Money & Behaviour

How to Stop Being Afraid of Investing

Fear of investing is not irrational. It is a reasonable response to real uncertainty — the genuine possibility that the value of what you invest … Read more

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Written by: HRM

Published on: June 14, 2026

Money Decisions

How to Build Wealth Without a High Salary

The most persistent myth in personal finance is that wealth requires a high income to build. The data does not support this. Many high earners … Read more

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Written by: HRM

Published on: June 13, 2026

Money & Behaviour

Why Most People Overcomplicate Their Finances

Financial complexity has an appeal that is hard to resist. A sophisticated investor with a carefully constructed portfolio of 15 funds across multiple brokerages, optimised … Read more

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Written by: HRM

Published on: June 13, 2026

Money Decisions

How to Stop Impulse Buying Once and For All

Impulse buying is not primarily a willpower failure — it is a response to specific environmental and psychological triggers that are designed by the retail … Read more

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Written by: HRM

Published on: June 13, 2026

Money Explained

What Is a Stock and How Does It Actually Work?

A stock is a share of ownership in a company. When you buy one share of a company’s stock, you become a part-owner — a … Read more

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Written by: HRM

Published on: June 13, 2026

Money Decisions

How to Build an Investment Portfolio From Scratch

Building an investment portfolio for the first time feels like it should be complicated. The financial industry has a strong interest in making it seem … Read more

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Written by: HRM

Published on: June 13, 2026

Money Decisions

How to Talk to Your Kids About Money

Most adults who struggle with money were never explicitly taught about it as children. The financial behaviours, attitudes, and skills that produce good outcomes as … Read more

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Written by: HRM

Published on: June 13, 2026

Money Decisions

How to Plan for a Major Purchase Without Debt

Major purchases — appliances, electronics, furniture, vehicles, home improvements — are most commonly financed through consumer debt when they were not planned for in advance. … Read more

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Written by: HRM

Published on: June 12, 2026

Money & Behaviour

The Problem With Financial Perfectionism

Financial perfectionism is the tendency to delay financial action until the conditions are perfect — the right time to start investing, the optimal fund, the … Read more

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Written by: HRM

Published on: June 12, 2026

Money Decisions

How to Save Money on Home Insurance

Home insurance is one of those bills that most homeowners pay without ever shopping, questioning, or optimising — particularly once the initial policy is in … Read more

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Written by: HRM

Published on: June 12, 2026

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Recent Posts

  • How to Stop Being Afraid of Investing
  • How to Build Wealth Without a High Salary
  • Why Most People Overcomplicate Their Finances
  • How to Stop Impulse Buying Once and For All
  • What Is a Stock and How Does It Actually Work?

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  • Money Decisions
  • Money Explained
  • Money & Behaviour
  • About