Category Archives: Debt Perspective

23 personal finance killers to change this 2016


A lot of people are constantly having issues with their finances last year, but thank God, it’s a brand new year again. A fresh new start for everyone, I strongly believe that your personal finance is going to change today but there are things that you need to let go in order for you to go to a higher ground.  As you look back from the past these are the following habits that you need to be mad or uninstall from your system. 
  1. Believing that change won’t happen
  2. Spending too much money without thinking the cost-benefit
  3. Overusing credit card
  4. Too lazy to create or track a budget
  5. Borrowing so many times by obtaining a cash advance from your credit card to pay for living expenses and/or other debts
  6. Having liabilities in excess of assets
  7. Thinking that retail therapy can make you happy in a long-term perspective
  8. Not saving enough for your future retirement
  9. Reaching the maximum limit on a credit card most of the time
  10. Running away from your credit card and phone line bills
  11. Having a non-existent or low emergency fund
  12. Always want a “FREE” ride
  13. Unable to pay due bills more than twice a year (e.g., credit cards, utilities, rent)
  14. Unable to repay installment debts and asking for a loan to pay all the existing debts
  15. Receiving “overdue notices” from creditors
  16. Being denied from additional credit because of a lack of a sufficient positive credit history
  17. Losing money to scams
  18. Losing money by gambling or buying lottery tickets
  19. Allowing an insurance policy to lapse (e.g., vehicle, renter’s/homeowner’s, medical, life)
  20. Feeling emotionally stressed about money matters
  21. Having a seizure when there’s a big SALE
  22. Investing without doing due diligence
  23. Being a hoarder and not a giver 
Denying that you need help


Self awareness is the key to change. Knowing about these will give you an advantage but what you do with what you know will set you apart from the rest. Many champions are willing to rise and grind to create the habits that they want while looking at the reward. Yes, I know it’s hard, but if you want to be stretch and win, you need to have grit to take charge.
David Isaiah Angway currently helps young, urban and educated millennial (Gen Y) set and achieve their long-term financial goals by educating them about investments, asset allocation, risk management, retirement planning, and estate planning. His role as a financial planner is to find ways to increase the client’s net worth and help the client accomplish all of his/her financial objectives. 
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Filed under Debt Perspective, Killer Habits, Money Suckers

13 Money management quotes about debt


Debt is not a sin but stay away from it and you’ll be in a safer place . That is how my relatives shaped my thinking towards debt. You should hate yourself being in debt since you want to be free. Financial freedom should be your priority because you will be in a state of liberty to do anything that you want. When you can’t sleep because you owe someone that means you are  ahead from other people. Here are some of the quotes that can help you change your mindset towards debt.
David Isaiah Angway Is a Financial Evangelist

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Filed under Bad Debt, Behavioral Finance, Debt management, Debt Perspective, Freedom From Debt