Quarter-to-Date – beg. of Feb 2018

Quarter-to-Date (QTD) Instead of waiting Quarter-end or Month-end period to publish a little something about how I did and if my spending is in line I have amended the model and build a Quarter-to-Date view, which allows me to aggregate backwards the last quarter of data starting now. By doing so I am no longer tied … Continue reading Quarter-to-Date – beg. of Feb 2018

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2017 wrap – up

I finally found some time to put together my mini reports about my personal spending for the past year of saving challenge. #BSRI update I am below spending budget (Woo Hoo!), I planned for around 20% savings, finally achieving right above 30%, my highest saving rate ever. However, despite more frugal than usual lifestyle, I … Continue reading 2017 wrap – up

Year-end approaching

November nearly over, I am starting reflecting on the past year and the things I've learned from the saving challenge. So far no regrets embarking on the #BSRI ship for a year, it has not been a comfortable and smooth ride but I certainly made some progress in the way I buy things. I've spent quite … Continue reading Year-end approaching

The Unhealthy Consumer: When is it Enough?

MakeItUltra™

By Eric Perry, PhD-c


“Too many people spend money they haven’t earned, to buy things they don’t want, to impress people they don’t like.” ~Will Rogers

Whereever we look, we are constantly being fed the idea that we need more “stuff.” We have 24 hour television channels devoted entirely to enticing us to buy more and more items we don’t really need. Every commercial break is an opportunity to sell to a captive audience. For those who do not watch television; the internet is always open, perpetually stocked with anything a person can imagine. Magazines flaunt the latest gadgets, cars, clothes, makeup, and anything else they are paid to advertise. Within social media, so-called influencers aim to sway the way we live. We are constantly encouraged to be olympic level consumers. The average American household has $5,700 in credit card debt. If we exclude those who pay their credit card off in…

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