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Is your spouse physically hurting you? Or telling you hurtful things? Do you feel abused physically or even verbally by your spouse?

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Actually, time is more important than money. The accumulation of money can be unlimited, but when it comes to time, it never accumulates, it only depletes.

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As the year ends and the New Year starts, it has been human nature to reflect on how you performed this year and how you can improve this coming year.

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But before we talk more about generosity, let us check our hearts first. What are our motives for being generous? Is it to be noticed? Be recognized? Be known for it? How can you know if you are a truly GENEROUS person?

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Investments are things that you buy now, but give you long-term future profit. For example, a house may be considered as an investment if you will have it rented out. But if you will be living in it, then it will no longer be an investment.

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Are you aiming for financial freedom? Then you need to take note of these signs that serve as a warning that there are things in your life that are hindering you from achieving your goal.

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