When I was in elementary and middle school, she would sit next to me when I was doing my homework and scribble her notes into it. All the notes were precise records of our household expenses. I always wanted to know why she had to write…
I resented what I saw as her painful pre-occupation with money. I told myself often that I would not grow up to be like her, at least when it came to housekeeping.
On my 15th birthday, my mother gave me a small present. Thrilled, I ripped open the package, but waiting inside for me was something I wasn’t looking forward to, and had never really wanted. It was a housekeeping book, the same as my mothers, only smaller. Although I hated it I had no choice but to use it. It was a present from my mother, after all, and I did not want to hurt her feelings. From that day on, whenever she was keeping her book, I would pretend to update mine too. This so-called “pretend bookkeeping” however, soon became one of my daily activities, without realizing it myself. Even in school, I would meticulously keep track of my expenses, and my pocket money. Soon, I realized that I had more and more money to spare, because knowing where my money was being spent actually helped me save a great deal, without making too many compromises. Just as I had thought before about my mother, my friends began to call me, “stingy.” I did not care, I could see I was saving money, and a penny saved was a penny earned. It was almost magical. I realized the value of regularly keeping track of money, I was very aware of the money I had and made specific plans on how to spend it. I knew what I could do without in life, and what I wanted to get, and used my money accordingly. In fact, I was hoping that I could help my friends increase their savings.
It was during this time that I became greatly interested in the study of finance, because I realized that making money was a whole lot about discipline, and to master the art , one had to study it. Next year on my birthday, I was lucky enough to meet someone through my mother who was working in the finance industry. ...
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