Since the early ages of human history, men have strived to achieve wealth and a certain standard of well being. We learnt to barter and quickly contrived a medium of exchange and measure of wealth: we invented money. Money is something we earn, borrow, save, hoard, and invest. We spend it vainly or use wisely. We protect our money from those who want to steal it, and we do not relish having to borrow it.

Be Naïf was created to provide a straight path to financial riches that focused on wise spending, investing and saving. That is why we talkabout personal finances and not about shcemes to get rich quick.

Personal finances are the process of managing your money. People of great wealth have turned this into an art.

There is a way to stop having trouble with money and develop financial common sense. Having enough money to achieve your financial goals is not out of your reach.

A time will come in your life when you will have to take control of your money; the sooner, the better, do not wait until you are in a crisis. Start today to practice financial management, one simple step at a time, and it will become a second nature.

You sleep better when you know you have enough in your bank account to cover the mortgage payment. You can smile in the certainty your children will attend university without beggaring themselves. You have a special feeling of accomplishment when have chosen your dream car and you know you can pay cash. In the sad even one of yours fell ill –and I sincerely hope you never have to go through this- it is a relief to know you can afford the best treatment without needing to sell your house.

Set your financial goals, browse around to get the information you need and get ready to manage your personal finances. Start now, and practice until your financial muscle is strong, financial common sense a second nature.

Money will not buy you love or happiness, but it will make your life much easier.