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Welcome to our Personal Finance Blog

Money bewilders most of us. How to spend it, save it, invest it, and how to best protect the person who makes it.
These questions we all face daily — a puzzle we all attempt to understand and solve just about every day. Yet despite money's centrality to our lives and businesses, it's something we all grapple with, and mostly in private.
- Money is the 'Lord Voldemort' of topics — feared by most and mentioned by a few. It's oddly uncomfortable to discuss socially and rarely even with our partners, parents, and children.
Perhaps that's because managing our money and life's risks inevitably involves the fusion of both the emotional and practical aspects of our decision-making processes. The most difficult of questions are those with both economic and emotional answers.
At Sapience, we're all about The How.
Our educational Personal Finance Blog is for people who want to grow and remain wealthy. And while the journey toward wealth is clearly marked, you still have to be looking in the right direction.
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Understanding the psychology of making good decisions
Ask many men ‘how they are feeling’ and they'll tell you ‘how they are thinking’ - because they don't understand the question.
The problem we face traditionally as men is, ‘How you think determines how you make decisions, so what determines how you think has a more direct and measurable impact upon your business then you may first, well, ‘Think’.
So how do we improve the quality and speed of the decisions we’re making every day, while decreasing decision overload? How do we know if we’re building the right service or product? – Such questions fundamentally come down to the quality of our decisions.
Surprise: Small Businesses are not just small corporations
Modern Small Businesses are not miniature versions of big business or large corporate organisations. And using the 'C word' in small business never gets you very far in the right direction.
Trying to apply the dysfunctional processes and slow responding mindsets of corporates to a Modern Small Business doesn’t work.
So how relevant is Corporate Social Responsibility (CSR) to Small Businesses?
Following your north-star in a very crowded world
Do you ever get the feeling that time is speeding up?
The major transitions in human history have been driven by the need to domesticate cattle and plants, the large-scale mechanisation of jobs; and now the immediate dissemination of information around the world upon demand.
With the arrival of each new age, the speed of change has left us wondering, where is this all going?
What's your defense against the dark arts, in business?
Ever had a bad day at the office? Ever had a tough week?
Maybe the last 2 years in business haven’t been what you hoped for.
Perhaps Harry Potter and his mates can relate.

