Insights
Latest posts, news, and financial tips from Angela.
Why I Am Against Total Frugality: Insights from a Financial Expert with 40 Years of Experience
Is constant frugality truly the best way to manage your money? Financial expert Angela Bogach, with 40 years of experience, explains why extreme restrictions lower your quality of life, what to replace total frugality with, and how to build a stress-free financial system.
A tiny mistake, a huge loss: why you must double-check form 101
Due to an accidental mistake on Form 101 (where her gender was mistakenly marked as "Male"), the author's friend lost 1,200 ILS per year for two years in tax credit points (Nekudat Zikuy) automatically granted to women. The error was eventually corrected, and the money was refunded. The Bottom Line: To avoid losing money, Form 101 must be filled out with utmost care at the beginning of each tax year or when starting a new job.
5 Simple Steps to Improve Your Finances Today
Financial stability doesn’t start with drastic changes—it starts with small, consistent habits. In this article, you’ll find five simple actions you can take today to improve your finances without strict budgeting, complicated spreadsheets, or guilt.
Compound Interest
A reflective, encouraging look at compound interest as a lesson in loyalty and consistency rather than just math. Written from the perspective of a 40-year veteran of numbers, the article dispels the myth that it's ever too late to start investing, proving that time—not age—is the most powerful force in finance.
Money gets thinner. We don't.
A witty, lighthearted look at how idle money "loses weight" through inflation, just like we wish we did on the couch. The article explains why money needs its own fitness routine—investing—to build financial muscle and bring you peace of mind.