Money and Wine – The healthy money management in the coziness of your home

No one is born with an innate understanding of money or how to manage it. So it’s something that can be acquired through education and communication. Also, no one wants to admit the need for help with money management, even though everyone uses money for everything.

Over a good wine, on the sofa in your living room, with 5–10 friends, the situation can be different. Money needs to get out of the taboo discussion zone, regardless of its amount and numbers.

I come among you, to your home, to discuss everything that bothers you. I also bring financial solutions with me.

We need help with something that is no longer working in our home or in our lives, then we ask for the help of a specialist to come and at least give an opinion in managing the situation. Do we have signs that our health is no longer working properly? We go to a doctor.

But what should be done with financial health? Why is it different when we talk about money? I tell you: the way we perceive them is different: as a taboo subject, as an almost unattainable destination, and less of a tool that takes us exactly where we want, under all aspects and at all stages of life.
If 30 years ago we compared ourselves financially only to those close to us, now we compare ourselves to the whole world. We have an increased need to understand how money works.

So I thought of coming to the market with a unique product that helps you save time, and talk about major financial matters or not, in/from the comfort of your home.

You can get clarity on the topics below, but also clear answers on other topics that won’t let you sleep when your portfolio is crying out for help. Or maybe budgeting is giving you big headaches on your way to success and well-being.

I come to your home and answer any money-related questions you may have. I help you start saving or investing effectively, even if it seemed impossible to do until now. I help you set realistic financial goals and learn to choose the right financial instruments to achieve them. All this in or from the comfort of your home.

Healthy money management consists in taking care at the same time of all emotions behind financial decisions.

Emotions lead to wrong actions or inaction. And financial inaction is not good either.

It is important to know how to “secure your money in adverse conditions” (war, pandemic, economic instability), and how to cope in conditions of sudden increase in inflation. More and more Romanians are beginning to realize the need to put their personal finances in order and to make rational decisions under emotional pressure.
Worldwide studies have examined the relationship between periods of crisis/disorder and major psychological distress. Whether we’re talking about debt or investments, depression is a proven consequence of poor money management in times of crisis. Take her out of the equation!

Any beginning is hard, and saving is no exception. My clear solutions make the start easier and goals easier to set and achieve.
What do the studies say? People who save money report better overall well-being, including less psychological distress, better sleep and healthier relationships. (WHO)

People who shop less and consume less have fewer depressive symptoms.

Investing is an effective way to put money to work for you and is important at any age. Whether you invest in stocks, bonds, mutual funds, precious metals, real estate or stocks, investing is important to generate future income, grow equity and build wealth.

Find out how and why, ahead of time…but also at least 5 reasons to start saving for retirement right now:

• Greater flexibility in financial decisions.
• The possibility of accessing investments with a slightly higher risk
• No need to rely on the social security system
• Compound interest
• Scientifically proven long life expectancy.

Financial security in retirement leads to lower anxiety, fewer chronic stress-related conditions, and therefore longer life expectancy.

There are many savings tools for children on the market, and most of them have the option to make automatic payments, to have a certain amount automatically transferred directly from your salary every month. The savings plan should be customized, however, based on your child’s budget and educational goals.

If you want to fully realize your vision for your financial life, it’s not enough to just dream about it, you have to develop a plan. This includes setting financial goals that meet your values and priorities.

Having clear goals can put you on the path to a debt-free life and guide you on your own journey to financial freedom.

I help you gain more confidence in your money management decisions and significantly reduce money stress.

From shares that can be traded easily, to bonds, real estate values, to government bonds…all can occupy a place in your portfolio and have multiple advantages. At Money and Wine sessions, we discuss the advantages and disadvantages of each one.

From now on, discussions related to money management will no longer seem taboo to you. Take a seat on the couch, and I’ll put the financial solutions in place. For the above topics and dozens more that can disturb your peace and financial well-being.

You can find the details here, or you can find out more by writing to: mihai@educatisibogat.ro.