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Index
INTRODUCTION
Why I wrote Financial Joy in 2012…
Chapter 1
Don’t be normal; be joyful! Be free!
Financial Freedom and Financial Joy
The Financial Freedom, Financial Joy Programme
Chapter 2
Chapter 3
Chapter 4
Trying to get rich quick
Attaching your self-worth to material things
Spending more than you earn
Staying in consumer debt
Thinking investing is not your responsibility
Thinking that money is not important
Hating your job
Chapter 5
Teaching my children the two key skills
The Financial Joy I.D.E.A.L Roadmap
Your expense sheet
Current Expense Sheet
Adding your annual expenses
Chapter 7
Insurance
Summary Table
An Interview with Yun Fa
Checkpoint 2:
D: Debt Elimination!
The compounding power of debt
$33,378.
$10,000 credit card debt of 20 percent
Three Dangers of Debt
Chapter 9
The four-step plan for debt elimination
Step 2: Check for possibilities for refinance and consolidation
Step 3: Pay every debt at least enough to stop it rolling and growing
Step 4: Pour every cent saved into paying off one debt, then move on to the next one, until all are cleared
Reduce expenses
Generate more income
Pay off high interest debts
Consolidate your debts
Chapter 10
Borrowing for a house
Non-appreciating assets
Borrowing for a good investment
Scenario 1: John pays fully in cash
Scenario 2: John borrows
Scenario 1: John pays fully in cash
Scenario 2: John borrows
Property Investments – a Case Study
Uncertainty in other investments
Conclusion: The borrower is a slave to the lender
Checkpoint 3:
E: Emergency Fund
Chapter10 Liquid Funds
Emergency funds
Important Principles
Chapter 12
Expense ratios
My personal story on saving $1000 per month
Penny Wise, Penny Pinching
Chapter 13
Giving
Housing / Shelter
Saving on utilities
Telco
Food and Groceries
Transportation
Medical
Personal and recreation
Debts
Saving action sheet
Chapter 14
“Where is that $2,400?”
Reward Yourself
Checkpoint 4:
A: Advance Planning
Chapter 15
Into the Future
Your timeline – Doing a forecast
Activity: Your future timeline
Chapter 17
Listing down your big-ticket items
The six steps to breaking down the goal
Identify and prioritise
Using the Big-Ticket Item Calculator
An action plan for your future goals
Checkpoint 5:
L – Liberty (Financial Freedom)
The financial Freedom Formula, expanded and applied
The two types of passive income
Your financial freedom account
Increasing our financial freedom account
Using the Calculator
Strategic planning for financial freedom
Chapter 19
Joy @ Work
Work life balance?
Work-life balance is an illusion
The solution – Creating your own work-life balance wheel
Your work-life balance list
Chapter 20
Joy @ Work
Chapter 21
Chapter 22
Chapter 23 Investing with Joy!
My first investment encounters
Learning from mistakes?
Chapter 24
The GST + Price Framework
Price
GST + Price Table
How GST + Price Saved Me
Your own GST + Price Table
Chapter 25
Portion 1: Dividend stocks
Portion 2: Growth stocks
Portion 3: Buffett Options Secret Strategy Portfolio
Portion 4: Properties
Portfolio timeline guide
Conclusion: Take small steps and continue to learn
Chapter 1
Don’t be normal; be joyful! Be free!
Financial Freedom and Financial Joy
The Financial Freedom, Financial Joy Programme
Chapter 2
Chapter 3
Chapter 4
Trying to get rich quick
Attaching your self-worth to material things
Spending more than you earn
Staying in consumer debt
Thinking investing is not your responsibility
Thinking that money is not important
Hating your job
Chapter 5
Teaching my children the two key skills
The Financial Joy I.D.E.A.L Roadmap
Your expense sheet
Current Expense Sheet
Adding your annual expenses
Chapter 7
Insurance
Summary Table
An Interview with Yun Fa
Checkpoint 2:
D: Debt Elimination!
The compounding power of debt
$33,378.
$10,000 credit card debt of 20 percent
Three Dangers of Debt
Chapter 9
The four-step plan for debt elimination
Step 2: Check for possibilities for refinance and consolidation
Step 3: Pay every debt at least enough to stop it rolling and growing
Step 4: Pour every cent saved into paying off one debt, then move on to the next one, until all are cleared
Reduce expenses
Generate more income
Pay off high interest debts
Consolidate your debts
Chapter 10
Borrowing for a house
Non-appreciating assets
Borrowing for a good investment
Scenario 1: John pays fully in cash
Scenario 2: John borrows
Scenario 1: John pays fully in cash
Scenario 2: John borrows
Property Investments – a Case Study
Uncertainty in other investments
Conclusion: The borrower is a slave to the lender
Checkpoint 3:
E: Emergency Fund
Chapter10 Liquid Funds
Emergency funds
Important Principles
Chapter 12
Expense ratios
My personal story on saving $1000 per month
Penny Wise, Penny Pinching
Chapter 13
Giving
Housing / Shelter
Saving on utilities
Telco
Food and Groceries
Transportation
Medical
Personal and recreation
Debts
Saving action sheet
Chapter 14
“Where is that $2,400?”
Reward Yourself
Checkpoint 4:
A: Advance Planning
Chapter 15
Into the Future
Your timeline – Doing a forecast
Activity: Your future timeline
Chapter 17
Listing down your big-ticket items
The six steps to breaking down the goal
Identify and prioritise
Using the Big-Ticket Item Calculator
An action plan for your future goals
Checkpoint 5:
L – Liberty (Financial Freedom)
The financial Freedom Formula, expanded and applied
The two types of passive income
Your financial freedom account
Increasing our financial freedom account
Using the Calculator
Strategic planning for financial freedom
Chapter 19
Joy @ Work
Work life balance?
Work-life balance is an illusion
The solution – Creating your own work-life balance wheel
Your work-life balance list
Chapter 20
Joy @ Work
Chapter 21
Chapter 22
Chapter 23 Investing with Joy!
My first investment encounters
Learning from mistakes?
Chapter 24
The GST + Price Framework
Price
GST + Price Table
How GST + Price Saved Me
Your own GST + Price Table
Chapter 25
Portion 1: Dividend stocks
Portion 2: Growth stocks
Portion 3: Buffett Options Secret Strategy Portfolio
Portion 4: Properties
Portfolio timeline guide
Conclusion: Take small steps and continue to learn
Afterword
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