David Ning's blog

6 Secrets Restaurants Don't Want You to Know

Do you eat out often? Then you need to check this out and make sure you know these basics before you ever talk to a waiter or waitress again.

Execution, Not Ideas, is Key. Duh!

Do you have many ideas but you've never put them into action? Admit it, you are lazy, and you lack the talent of initiation.

Financial Independence Is More Than Just a Number

You may start out thinking of financial freedom as a number, but eventually, you realize that it's a much more achievable goal if you focus on your state of mind.

Going Into Debt Can Be Awesome

Debt can make or break you. Which one depends on how you handle it and the reasons behind the need for the money. Make the right choice and you can achieve even the impossible.

Why You Can Accomplish Even Your Wildest Dreams

You are born knowing nothing but you learn everything. It's not your talent, but your persistence that will help you achieve the impossible.

What Does Being Rich Mean to You Anyway?

How much money do you think you need to be considered rich? Is it solely just due to a number in your bank account?

What Is True Affordability?

When is something truly affordable? If you are making more than $1 million a year, does this automatically mean you can afford everything?

I Am Doing Well Financially. Now What?

Eventually, there comes a point in time when you can actually afford a few niceties in life. How will you react?

The Audacity to Waste Money for Better Finances

Sometimes, what seems like a waste of money might actually be one of the best ways you can spend your cash.

Low Interest Rates Do Not Make Homes Affordable

If a good price seems to good to be true...it probably is. Learn how low interest rates drive home prices higher.

7 Reasonable Alternatives to Buying

That buying decision always comes up, but the answer isn't always to "just do it". Here are 7 alternatives you can pursue, because, hey, who has indefinite amounts of

5 Dead Simple Reasons Why People Are Frugal

There are more great reasons to be frugal than just saving money. Here are five of the simplest ones.

17 Things You Are Missing Out on for Spending Too Much

It might feel like you're not losing much by spending all of your income now....you're just giving up flexibility, freedom, and a few other not-so-little things.

How to Save Money Buying a New Car and Be Happy

You can actually enjoy the car-buying process. Really. Learn how to shop for a new car and stay sane.

What Does Frugal Living Mean to You?

Depending on your point of reference, a million dollar purchase can be considered frugal. What is frugality to you?

Are Your Financial Habits Just Bad?

From brushing our teeth to buying little things we don't need, small bad habits can make a big difference in our lives. Learn how your habits might affect your bottom line.

Are Your Five Senses Tricking You to Spend More?

An interesting take on how your senses affect your spending.

3 Easy Steps to Take for a Better 401k

Everyone should know the basics of asset allocation by now, or so you thought. Here's three other things you can do to help your 401k.

Do You Practice Math When You Leave a Tip?

What kind of tipper are you? Learn about different tipping styles, and see where you fit in.

Your Job as a Personal Finance Literature Reader

I wish I could tell you exactly what to do, but whether saving a few bucks is worth your time is well, a question only you can answer. It's your job. Do it well.