Once you understand these two concepts,

personal finance becomes a lot easier.

"What's done is done. There is no point in crying over spilled milk."

- James Howell

WASTED RESOURCES

Everyone has made mistakes with money. We’ve all spent too much on nights out, impulse purchases, and things we don’t need. We may have made even worse decisions, like not investing when we were younger or cosigning a loan for someone that defaulted on the…