About Us

Hello and welcome to Whitecollarclub!



The one picture ever taken of me looking halfway cool…


Let’s see here, what can I tell you about myself without sounding narcissistic…


My name’s Peter, I’m a freelance writer specializing in business, finance and technology (got to put the degree to some sort of use, I suppose).


I love talking about money (but not as much as I love making it), and I’m also a collector of old coins and notes; my collection is pretty big, but I’d love to be one of the crazy old people who has a collection work millions and it takes over the whole house.

Part of my collection
Part of my collection

Or Scrooge McDuck when he jumps off the diving board and swims in his money in Ducktails.

My inspiration…

Oh, and I’m not only a money-grabbing rat. I have a gorgeous little border collie too..

car and toy
My beautiful Tilly

I’ve continually tracked my net worth, paying attention to my money day in and day out, stumbled across the great world of personal finance blogging and idea sharing. My goal with this blog is to get people to stop and *pay attention* to their money. Especially you younger’s. You won’t find any long in-depth instruction manuals or anything else that bores me to death here, as I really want this to be a fun place to share and interact with each other.

Why Taking Action is Key to Personal Finance


What separates people struggling with debt from those who are on their path to financial freedom?

We all remember the last time we read an article and yelled “I knew that.” Yet, most of us never take action on the advices that will benefit us most. Sometimes, we convince ourselves that our situation is different. Other times, we vow that we will get to it later but almost every single time, we are just plain lazy.

Let me set this straight. I’m not a financial planner nor do I have plans of becoming one. But Whitecollarclub is all about:


– Helping You Become Debt Free

– Showing You How to Build Wealth Through Time

– Letting You See For Yourself How Financial Choices Impact Your Life

– All you need to do is to let the content on this site draw out the common sense knowledge that you already possess.


The Heart of Personal Finance


There’s really two basic goals in building a solid net worth – make more income and save more of it. The good news is that you already know and probably try to do this on a consistent basis. Now, it’s time to learn how to maximize your efforts and channel your desire of reaching financial freedom into results. That is what Whitecollarclub is all about.


Our Perception of the Unknown


Many people ask me why building a solid financial foundation is so difficult, and the answer is because our perception often lead us to the wrong conclusions. When we were babies, we have our whole life ahead of us but we couldn’t care less about money. When we were teenagers, we still have decades to live but we only think about what to do that particular day. When we got out of college, we think about saving to buy that car in one (or a couple) year(s) despite the fact that so much can go wrong in the future. When we are in our thirties and forties, we start fearing about money and retirement even though we already lived through a good portion of our lives. Finally when we are retired and successfully navigated many decades of existence, we are terrified with how much money we have left. As you can see, reality is nothing. Yet, perception is everything.

I hope you will learn a lot while reading my articles!