financialstrategy

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*103* How to create a simplified annual budget

14 Jan 2026 1 minute read 0 comments luciman

After discussing the challenges of budgeting when income is unpredictable, I received several messages from readers who feel the need for a broader perspective on their finances. I realised that although most people prepare a monthly budget, very few...

*102* How to budget if you are a freelancer

14 Jan 2026 2 minute read 0 comments luciman

Sometimes a new article picks up the direction of this blog from the energy of the previous one. After discussing budgeting in entrepreneurship, I realised how often we overlook the area where professional freedom meets financial instability: freelan...

Your personal investment system – Why you need one and how to build It #21

8 Aug 2025 1 minute read 1 comment luciman

You can have the best information, the most promising financial tools, even a bit of luck…But without a clear system, it’s like sailing a stormy sea without a compass. A personal investment system helps you make consistent, healthy decisions – no mat...

Good investing starts with you, not the market #6

22 Jul 2025 1 minute read 1 comment luciman

So far, we’ve looked at opportunities in the decentralised world, at financial education as a shield against chaos, and at how essential it is to set clear goals. Today we’re going deeper: instead of asking what to buy, let’s ask what kind of investo...