Recently I attended one financial planning courses sponsored by my company. It was a short two days course that touched on personal financial planning. One thing I like about the course is that the instructors focused on educating the participants rather than pushing financial products. That was why I enjoyed the course because I did not have to second guess whether the instructors was biased in his recommendations or whether he was trying to hard sell his company's financial products. At the end of the course, I learned quite a few things and thought that I just have to blog it down and share with my readers. One key takeaway was the "The Bad Mood Fund".

In life, there are always ups and downs. Most of us faced challenges and obstacles in our daily lives. As a result, we can sometimes ended up feeling bitter, frustrated and angry. One of ......