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A Minimalist Approach to Personal Finance

My simple strategies for winning in personal finance

Nubelson Fernandes
5 min readJan 25, 2023
Photo by micheile dot com on Unsplash

Personal Finance is one of the most commented and debated subjects nowadays due to the number of problems that people are facing because of consumerism which, in turn, is a consequence of an increasingly capitalist world.

For most of my life, I wasn’t very good with money. The money that came in was the same as the money that went out and it only got worse when I entered adulthood and started working. I was earning 100 to 200 euros a day as a Software Engineer at the age of 23 and without any knowledge about financial education, I spent all the money in less than a week.

When I turned 24, my old housemates offered me Unshakable by Tony Robbins, and after reading this book I realized that I needed to make big changes to improve my relationship with money. This was one of the biggest challenges of my life but over the course of 1 year and a half, I managed to change my mindset about money, have my own apartment and save the equivalent of 1 year of my monthly expenses in my savings account.

Since then, I have dedicated myself to always improving my money habits to achieve the long-awaited financial freedom using 2 minimalist approaches:

1 — Spend less than I make

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Nubelson Fernandes
Nubelson Fernandes

Written by Nubelson Fernandes

Developer, Content Creator and Knowledge Hunter. Always trying to grow as a person and write articles about this journey. nublson.com

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