thefinancediaries

thefinancediaries Personal finance topics that you didn’t get a chance to learn in school!

09/20/2026

trust me, I’ve seen it all.

I’ve had every kind of job from small renovations to multifamily gut renos

I’ve been screwed over in every way that you can think of, and I’ve also worked with fantastic people who I actually consider family

I’ve pointed out these red flags to friends that are also investors, and watch them unfortunately not take my advice and also get screwed over

I’m never going to say that all contractors are crooks, because that is not true at all. In every job there are people that are going to act dishonestly because that is their personal character and it has nothing to do with the job

When someone shows you who they are, listen to them before you waste your time, energy and money

09/19/2026

this is by far the easiest and most straightforward way I’ve been paying my mortgages off quicker

you’re [likely] paid biweekly if you’re a salaried employee, so an accelerated weekly or biweekly is very easy to manage budget-wise

it’s a small change you don’t notice that will save you tens of thousands of dollars in interest, and knock about three or four years off of your 25 year amortisation period (mortgage life)

09/15/2026

tthe entire point of a budget is to reach your financial goals and to still have fun while you’re doing it!!!!

I think we lost the plot and completely forgot that it’s normal to want things and do not get them???You can look at som...
09/13/2026

I think we lost the plot and completely forgot that it’s normal to want things and do not get them???

You can look at someone else have something, say “ wow good for them that’s sick”, and move on with your day

Overconsumption is absolutely out of control in our generation because we feel like we need everything at the click of a button

ITS NORMAL TO WANT AND NOT HAVE!!!

The thing was constantly chasing these things is that you’ll have it, and then a new version of it will come out and you’ll feel behind again. But you also wasted the money on it.

Spending things within your allocated budget that you create is completely normal and fine, but going above that and being in the red month after month is not

If you want to learn how to budget, comment “my budget” and I’m happy to send you my budget template to get you started

being good with money doesn’t mean you’re cheap or that you’re boring!!!it just means that you’re careful with your spen...
08/29/2026

being good with money doesn’t mean you’re cheap or that you’re boring!!!

it just means that you’re careful with your spending and put thought into it before buying

what would you add to the list??

every day we make small and big decisions that determine what our financial situation will beevery decision has a ripple...
08/24/2026

every day we make small and big decisions that determine what our financial situation will be

every decision has a ripple effect, and every decision when it comes to money will dictate what you can do in life

personally? I want to do it all and never worry about money

if I hadn’t done these things, I wouldn’t have become a millionaire so quickly

the house is the biggest one. we’re all so excited to run off and buy a condo, and I did that, but just not for myself

I bought the cheap basement condo with a small value add that made it a cash cow (I bought for 255k, it was all I could afford in the area). I financed on a 10 year fixed 3.25% rate and paid less than $1,000 a month. I rented it for $1,850 until I sold it 2,5 years later for 335k (all I changed were the floors)

This rental cashflow fueled my ability to buy the 2 beach houses, and then that cash flow bought me the duplex

I was a millionaire in less than 3 years of real estate investing

you can never retire if you cannot find a way for your money to make you money

not an exaggeration, just facts

I hear people tell me they pay 800$/month for a car and another 300$ + in insurance

this is such a wealth killer

buy what you can afford

if you don’t have a budget, how do you know if you’re in line with your financial goals?

I’m so guilty of this lately🤪

08/23/2026

I remember getting in trouble in school because I would find easier ways to solve problems and equations than what the teacher was teaching 😂

I never changed

Work smarter, not harder

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