We talk to Taavi Pertman about different saving strategies and managing personal finances! In the fourth episode of the investment club, we will host Taavi Pertman, with whom we will take a closer look at various strategies and tricks for managing personal finances and saving in general. We will find out, among other things, how Taavi has built his own financial management system, what tools and methods he uses in property management, and what are his recommendations for those who want to start managing their financial affairs in a more informed way. Taavi is an investor, author, trainer and active leader of the RahaForum community. Taavi has more than 10 years of investment experience, having a previous academic background also in the field of psychology, all of which has enabled him to combine knowledge from different fields into one interesting whole. Today, Taavi's goal is to help people take their first steps in the financial landscape, focusing on educating beginning investors. In the first part of the show, we will focus more on setting goals, within which we will discuss in more detail: What prevents people from achieving their goals and how to overcome it? How and based on what to set goals? What is an actionable goal? How to make the goal tangible and achievable? We are talking about such an exciting practice as the "tournament ladder exercise", which is an interesting approach to creating & achieving both personal, including financial goals, helping to create long-term motivation and systematization. In the second half of the show, we share thoughts and tricks based on our experiences on how to keep personal finances under control and what tools and strategies we use to do so. We discussed: How to manage personal finances and investments? How do you make budgeting work for you? What are some tricks that help reduce costs significantly? What practices help you spend less, save more, stay on budget? In addition, we will talk about such an exciting exercise as the "1% challenge" and discuss how it can greatly simplify the start of saving and investing, how much people are actually able to save without even noticing it. PS! You can read more about the exciting exercises mentioned in the show and the trainings & materials prepared by Taavi: Tournament ladder exercise https://rahafoorum.ee/finantseesmargi... 1% challenge https://rahafoorum.ee/1-protsendi-cha... Taavi prepared trainings and materials https://rahatasku.ee/ In addition, the goal-setting and budgeting materials mentioned in the program can be downloaded for free here: https://investeerimisklubi.ee/tooriis... Investeerimisklubi leaders Marko and Markus are extremely grateful to Taavi for the exciting conversation and for the interesting thoughts! Team: Marko Oolo, Markus Roogna, Ahti Kaskpeit Find us: On the website: www.investeerimisklubi.ee On Facebook: www.facebook.com/Investeerimisklubi On the podcast: / investeerimisklubi On Instagram: www.instagram.com/investeerimisklubi On YouTube: / investeerimisklubiesti In addition: We also with the investors' Facebook group: / 1591687221066735 to participate in discussions and get exciting information Kiika, which environments the leaders of the Investment Club recommend: https://investeerimisklubi.ee/investe... NB! All the mentioned platforms/products are actively used by the leaders of the Investment Club themselves.