I’m an advocate for minimalism when it comes to buying extras, particularly when it comes to cheesy souvenirs. I however, am also in love with pearls. I’m a Gemini at heart.

Here in Bangladesh there happen to be very high quality and inexpensive pearls. You can buy a nice basic set for around five bucks.

In the end I couldn’t help it and bought a number of sets for taking back to family in Oregon. I also found some incredible strands of sapphires and rubies as well.

Even though I spent a bit on gifts, and for myself as well, I still kept in mind only buying specific pieces for specific people in mind. This helps to avoid just buying for the sake of buying when it’s cheap. I did throw in a few sets of pearl earrings, at a dollar a pair, just to play it safe in case I forgot someone. In the end the merchant threw these in for free anyway.

Considering I haven’t bought any souvenirs during my past year abroad, I think it is money well spent. I’ll also be getting bonus points for remembering my grandmother’s upcoming 20th wedding anniversary and keeping my twin sis’ Birthday in mind.

Best of all, I also bought three different unique sets of pearls for myself, meaning that I won’t be left wanting for pearls. All together I still spent less for everything then I would have on one set at home.

Cheers,

Miel

MANAGE YOUR MONEY TOGETHER

Here are some simple guidelines for DINKS to build wealth:

1) Collaborate: Meet regularly to talk about money, set goals together, track and monitor them.

2) Understand and respect your partner. Take time to understand your partners values about money.

3) Watch the numbers. Get a budget, monitor your spending and track your net worth.

4) Max your retirement. Maximize contributions to your tax deferred retirement accounts.

5) Invest in stock. Stocks perform better than bonds or cash.

6) Avoid high interest debt. Credit cards and title loans are financial cancer.

7) Diversify. Don't put all your eggs in one basket.

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