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 from the United States Gold Bureau , 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.