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      "body": "       I knew few people that are scared of credit card. Their main reason is that credit cards will bury them into debt. I’m sad for them, really. I have a friend who have 4 credit cards - all max out! You see, the problem is their mindset. They look at credit cards as having an unlimited cash on it. And so they become impulsive buyers. When the bill statement arrives, boom! They cannot pay the entire bill. Finance charge hits! Eventually drowning them into debt. They missed out to be accountable and responsible of their action. I’m sharing my personal way on handling credit card. First, don’t buy if you don’t have the money to pay for it. Second, pay your entire bill and do it on time to avoid finance and late charges. If you can make this into a habit, then you’ll enjoy the perks of having a credit card. \n1.\t**Convenience** – You can purchase online without having to go to a physical store. You can book an airline ticket without calling for customer service. \n\n2.\t**Security** - You will not carry cash every time especially big amounts, when travelling. Also, if you suspect a fraudulent transaction in your card, just call your credit card’s customer service and have that charge disputed.\n\n3.\t**Avail great perks** – Credit cards normally have promo offers in shopping, dining, travel and 0% installment. Better choose the card that fits your lifestyle. For me, I try to maximize the promos. I normally dine in a restaurant that have promo offers using my card. 10% ~ 20 % are significant amount compared to paying the full price. Same is true to shopping and travel. Aside from percentage off in your airfare tickets, you can also earn mileage points which eventually rewards you for a free airfare in your next travel.\n\n4.\t**Avail the reward point** – Every time you use your credit card, you are earning points. With that, you can avail rebates, gift cards, and others. Study your credit card rewards.\n\n       You don’t have to be afraid of credit card. It has a lot to offer if you can maximize it. I disagree in the financial advisers who advised not to ever get a credit card. You just have to know how it works. It makes life easier.",
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      "body": "I believe every woman must have a white sneaker in their closet.  Agree? Sadly I don’t have one. I have a pair of running shoes and been using it as a casual wear aside from going to the gym. Not sure about you but wearing something according to its function is pretty important to me. My running pair of shoes is obviously for running! So, I search for a white sneaker online and came across to this lovely, chic [Cole Haan women’s grandpro tennis sneaker](http://www.colehaan.com/womens-grandpro-tennis-sneaker-optic-white-optic-white/W02897.html?dwvar_W02897_color=Optic%20White-optic%20White&dwvar_W02897_width=#cgid=womens_shoes_sneakers&start=11).    Its review rating is good. Looks great! Perfect for casual wear! How about the price? It’s pricey!!! (for me).  What to do now? I know that if I’ll purchase its equivalent pair from other leading shoe brand, I would not be happy. That’s for sure. So, I decided to wait till Cole Haan will put the item on sale!  Wait like a spider waiting for its prey.  I know most of us don’t like waiting. However, the process of waiting helps us develop delayed gratification. It took me two months to wait. And lo and behold, when I open their site last Friday, the item was on 30% off sale! \n![colehaan.jpg](https://steemitimages.com/DQmf7rhp128esU73FRwNfxfPCZZ8GQV6xBe2bA44HY4TMVp/colehaan.jpg)\nPlus another 10% discount when using Amex. A total of 40% off from the original price? Ah… that’s best for the bucks! I’ve purchased online and is expecting to receive it next Monday!  :)\nWhat are we learning here?\n1.\t#NeverPayTheFullPrice (especially if the item is pricey for you). #wisespending\n2.\tWait and discipline yourself from #instantgratification",
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      "body": "I believe every woman must have a white sneaker in their closet.  Agree? Sadly I don’t have one. I have a pair of running shoes and been using it as a casual wear aside from going to the gym. Not sure about you but wearing something according to its function is pretty important to me. My running pair of shoes is obviously for running! So, I search for a white sneaker online and came across to this lovely, chic [Cole Haan women’s grandpro tennis sneaker](http://www.colehaan.com/womens-grandpro-tennis-sneaker-optic-white-optic-white/W02897.html?dwvar_W02897_color=Optic%20White-optic%20White&dwvar_W02897_width=#cgid=womens_shoes_sneakers&start=11).    Its review rating is good. Looks great! Perfect for casual wear! How about the price? It’s pricey!!! (for me).  What to do now? I know that if I’ll purchase its equivalent pair from other leading shoe brand, I would not be happy. That’s for sure. So, I decided to wait till Cole Haan will put the item on sale!  Wait like a spider waiting for its prey.  I know most of us don’t like waiting. However, the process of waiting helps us develop delayed gratification. It took me two months to wait. And lo and behold, when I open their site last Friday, the item was on 30% off sale! \n![colehaan.jpg](https://steemitimages.com/DQmf7rhp128esU73FRwNfxfPCZZ8GQV6xBe2bA44HY4TMVp/colehaan.jpg)\nPlus another 10% discount when using Amex credit card. A total of 40% off from the original price? Ah… that’s best for the bucks! I’ve purchased online and is expecting to receive it next Monday!  :)\nWhat are we learning here?\n1.\t#NeverPayTheFullPrice (especially if the item is pricey for you). #wisespending\n2.\tWait and discipline yourself from #instantgratification",
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      "body": "![latte.jpg](https://steemitimages.com/DQmTsey7vyDj44L9o2Ff6ewtTvSahXKG6x5AiZFZ7tYVo4y/latte.jpg)\n\nI recently bumped into David Bach’s book '[The Automatic Millionaire](https://www.amazon.com/Automatic-Millionaire-Expanded-Updated-Powerful/dp/0451499085/ref=sr_1_1?ie=UTF8&qid=1510783348&sr=8-1&keywords=DAvid+bach)'.  And it’s the “latte factor” topic that struck me the most. How I wish I’ve known this concept after college. I’ve probably saved and invested an amount. David explains that latte factor are little everyday expenditures that most of us are not mindful of. Example: You spend $5 for a cup of coffee every day. Let’s try to remove that daily coffee habit. Do the math. It allows you to save $150 or $1,800 a year! That’s good enough savings, right?! Then, invest that amount! The idea is, be wise in your spending even up to the little things. Latte factor is not limited to a latte. It can be cigarette. Figure out what’s your latte factor and do something about it.",
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