The power to manage your personal expenses, savings and profits seems almost mystical and out of reach for some people. Living from wage to wage, they end up in a vicious circle of mindless consumption and dependence on the only source of income needed for sustenance. TV talking heads will make you believe that it takes a graduated economist to keep your individual finances in order, and that’s just a blatant lie. If you’re struggling to make ends meet, reading one of my articles will help you identify at least a couple of disruptive patterns in your monetary habits. When you find them and give it some thought, you can come back here for new advice on personal finance coming from a ‘mystical’ economist who strives to tear down the veil surrounding individual resource management.