Deberah Ho – Expense Tracker For Free

Hello World,

As you may know from my previous blogs that I talk about personal finance a lot. I am taking you on a journey of bettering my own finances as well as sharing my tips and tricks from my learnings. I share my stock picks and any investment changes I have made.

Many people are not good with their finances is due to a simple reason. They simply don’t track it. They just get a salary, buy whatever they need but, do not keep a track of it from the beginning to the end of the year. Deborah Ho has made it easy for us to track our expenses completely for free now.

Everyone has Google, hence, everyone has Google sheet. How many of you use Google sheets? It’s just like excel, but better because, if you know a bit of the formulas then it can actually provide real time data. However, not everyone is as savvy with formula’s so I am going to leave it at that.

These are just random numbers I put in to show you how this works. All you have to do is plug the numbers from your daily expenses, you can change, update, or add some of the more relevant categories such as rent or mortgage, gas etc. This is on the expense tab.

On the Monthly expense tab you will see the output of what you have entered. For example, over all details of what you are spending each month. Which category you are spending most on, is it entertainment, food, rent?

It’s a neat tool and best of all it’s completely free. You just have to right click, save a copy on your own google drive and enter your expenses every month:

Here is the Link:

Let me know your thoughts!

Twitter: @dilypie
TikTok: Dlaofficial_

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Glam Vs. Building Wealth

Hello World,

Now that I am home and working from home, I have noticed I have the urge to buy more. Has that happen to you?

An article by Mark Beach, Forbes, “COVID-19 Pushes Up Internet Use 70% And Streaming More Than 12%, First Figures Reveal”, tells us exactly that. It refers to the change in our buying behavior during the pandamic. Some say, it’s because we are saving more due to not commuting, eating out, not meeting people, or CREB/Stimulus check. When we see extra money in our bank, we just want to spend it. Some say, it’s because we just have nothing to do, we have nothing else to occupy our time with so we are induldging by spending on materials.

What is it for you? I think for me it’s because, I spend time scrolling through social media to see what is trending in fashion and then all these ads pop up. I bought so many TikTok gadgets that supposedly “makes life easier” but, did I really need it?

However, I am over all very good with my money. I am looking to build wealth by education and investments. I want put away atleast 60% of my money investments after expenses. In order to do that, I have to constantly remind myself of my goals. Do I want to buy these new clothes that will not be of any use to me this year? Or should I just take the money and buy more Apple stocks/IShare ETFS. This self discipline has to be instilled in all of us.

Being said that, it is a tough time so go ahead and treat yourself but don’t let it become an obsession.

Twitter: @dilypie

TikTok: Dlaofficial_ – Check out my latest Niagara falls outing!


YouTube: (Editing is hard! but videos are on the way) Love you guys for suscribing already!

Stagnant – Stuck – Anxiety – What it Takes to Improve Your Situation

Hello World,

What does it really take to look past your “stuck” situation right now? It takes experience of going through it a couple of times and then saying, okay I take ownership of my situation!

Acceptance is our keyword for today’s topic. It takes acceptances to move on or keep moving from any tough situation. It’s all perspective at the end of the day. You can see your current situation as glass half full or glass half empty. As in you can make your situation bad or worst.

I get it though, when you are in the situation where the entire environment is super negative, it’s hard to think positively. Mainly when anything you do leads to none of your goals. You start putting yourself down and telling yourself that you are just not good enough!

Yes, I go through that too! When there is too much pressure of work or let’s say I just take on too much to prove I am “good enough”… perfect example of jumbling my thoughts, and taking on too much than I can chew. That’s when anxiety hits.

What to do in those situations? Accept… accept that it will all end one day, and just like the person next to you, there will be an end to you. That means, there is no reason to hold on to these negative thoughts, all you can do is keep pushing and moving forward. Your situation will change eventually if you put in the work to make those small changes.

We make a mistake of always focussing on the end goal! However, life is simple. It’s about making smaller changes in your life to get those end results.

For example, I see a software engineer or a product manager making a certain amount of money and living an easy lifestyle. I can’t wake up tomorrow morning and hope that I am a software engineer / product manager. I need to make those changes / put in sacrifices to get to that level to achieve that lifestyle. There will be many road blocks! Many, many, many road blocks — the main point is, take breaks, but don’t stop!

You don’t see results right away, at least I haven’t but, 10 years later, you will look back and think that struggle was required!

Twitter: @dilypie

TikTok: Dlaofficial_ – Check out my latest Niagara falls outing!


YouTube: (Editing is hard! but videos are on the way) Love you guys for suscribing already!

Fashionably Late or Chronically Late ?

Hello World,

Yes, I am fashionably late once again! I love to write and therefore I have a few excuses to tag to my lateness but let me start by asking what is your daily excuse for being late? Why are you one of those people who can never be on time to work? Despite setting 7 alarms to sound in the morning. I mean yes, once you were late because the bus wasn’t on time, completely reasonable. Then the second time you were late because it started to rain which caused an accident and that led to a huge traffic jam, definitely another good reason. The third time the Uber driver lost his way to you, trust me I can relate! All great reasons for being late and none of which are of your fault. At the same time, I want to ask if any of these occurrence were preventable if you kept some wiggle room, planned accordingly and headed to work a bit early?

Type B personality

Are you always late? Then you can possibly be a Type B personality. Type A personalities are aggressive, ambitious, competitive, outgoing, impatient, in other words, go-getters! Type B personalities are more creative, relaxed and laid-back. These two personality types view time differently. Wall Street Journal reports, Type A individuals estimated that a minute passed in 58 seconds, compared with 77 seconds for Type B individuals. Have friends who are constantly late to every event possible? You don’t even have to vent about that situation, I can identify completely! The information doesn’t give them a certificate to be late but clarifies their behavior.

Fun fact, the U.S. loses 90 million USD per year for people running late, hence time actually is money!


Ever watched an Awards night and wondered why the absolute trending celebrities are never too early to walk on the Red Carpet?! They are always walking in Fashionably Late. They arrive when most of the stars are gone inside to be seated. At first let me begin by saying these celebrities have amazing managers and PR representatives who organize the entire scenario of lateness. Arriving late builds the audiences anticipation which brings more focus and attention on the celebrity. Ah epiphany! That’s why you walk in late to the party every time! You want your crush to notice you, you want everyone to notice that new pair of shoes or that brand new sports car you recently bought. You want attention!

Some people time the attention they receive subconsciously. They don’t arrive too early because they will be judged as a loser or a loner. They don’t arrive right on time because that will cause the awkwardness of mingling with random people. They arrive 10 to 20 minutes late to be in their preferred comfort zone.

People suffering from Attention Deficit disorder and Attention Deficit hyperactivity disorder are also often late. Few reasons why people are late is due to lack of interest at work/event/meeting. You find the work not challenging enough for your standards. The event is plain boring. There isn’t a motivation for you to attend, therefore you are late. You are not getting anything out of it. You are not learning and or receiving an incentive for attending. Attendance or the time of arrival doesn’t have a consequence.

You are a bad Planner!

You are a bad planner! People with poor time management skills are obviously the victim of being late. They are also the ones who have distorted sense of time. Time goes slow for them. Their optimistic bias kicks in which make them feel they have a lot of time to complete a project or work towards a goal. They lack the ability to accurately estimate and schedule a project completion date and time.

There is also the Hyperfocus people  who think they can multitask but in reality they are way too invested on one very important project. Taking on multiple tasks believing they can complete them all. This thinking make them late on other aspects of their lives.

Let’s work on Punctuality

Yes, we have to work on our discipline and planning. We have to understand to get to point B from A we may have to face many obstacles in between. To tackle those obstacles we need to give us time! It’s not an easy task as we want to always save our time to do other things and or focus on distractions. But we need to learn to prioritize. If something is on priority list then we must give it time and all of it. Let’s try waking up earlier than we usually do, and reset our biological clock since those 7 set alarms are ineffective. Let’s create trigger-word motivators; late is aweful, it makes other people some what notice you in a negative way, while being punctual always puts you in the good light. Let’s always recognize that we were punctual to a meeting and reward ourselves- grab a desert! Let’s utilize all those time management apps available to us on the app stores on your phone and computer.

Remember time is money and when you are late you are always missing out on an opportunity!