Dear readers, first of all, I would like to apologize for the massive lack of postings. The reason being that I am starting up a new company of my own and have been so damn busy settling administrative issues. I will still try to post as and when I can so don't write me off just yet. =)

Anyway, today I would like to talk about the stages we would all eventually go through before our financial eyes open. So without further ado, here they are:

Stage 1 - What?
This is the stage where we know close to nuts about personal finance, we save minimally or not at all, we don't invest, we spend a hell lot of things we do not need and we might even be in  plenty of consumer debt.
We are basically clueless and lost, living life a day at a time or pay check ......