I have been silently reciting this old-age wisdom to myself whenever my hands get itchy and I feel the urge to shop (which is almost every other day). I have always confessed that I am not really good with handling money, that’s why no matter how big I earn, little or none goes to saving.

I have committed to change that this year and so far, I have been succeeding. Since we are still trying to invest on things for the house and I will have two kids going to school, saving is not supposed to be stressing me out. I just transfer 10% of whatever comes in to my bank account to another one that is labelled “untouchable” and I was surprised how much it could be after only a month. It’s true – little dimes add up to hundreds in no time.

However, I know saving will not be enough. We need to invest if we want our money to grow rapidly. I think it is the right time to buy gold bullion, as the demand for it has peaked and it is the only known value that has never depreciated in the economic slump of the past years.