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A comprehensive guide for calculating your living expenses to avoid surprises and disappointments

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    “Osama understands the financial meanings in a new way and talks about money and an area of money that no one has talked about before. ”

    Basel Hanafi

    Cape Town, South Africa

    What you get:

    A model explaining the 5 levels of living expenses

    An extensive list of expense items and why we spend on them

    Printable worksheets to calculate your personal budget

    What is it all about?

    How much money is enough? Is ‘the more, the merrier’ a healthy perspective? At what point would you feel you are fulfilled financially? Pursuing an unknown amount to live comfortably will only lead to exhaustion and dissatisfaction. Financial sufficiency is not as far away as many people would think. It is surprisingly close, so it’s time to put ink to paper and find what it is and where it is. I create tools that analyze, understand, and determine how much is enough to fulfill all of our needs, wants, and desires.

    This comprehensive guide will assist you to simulate scenarios to reach sufficiency and see how achievable it is to live in a way that satisfies you.  Draw a personal financial baseline and take steps to climb up the next level.