Author: raymondlau783
Welcome all!
My name is Raymond Lau and I am a blogger and author of Ray's Finance.
A little bit about me. I am a "millennial" with a graduate degree in Financial Mathematics. I have a full time, part time job and a side business.
My passion for personal finance began at 21 when I started my very first job in London and noticed that although at the end of the month I receive my salary by the middle of the following month most of it was gone. At the time I was naive and thought this was normal, people go to work, earn money, spend it and repeat however as I gradually educated myself, I realised that I was just bad at money management and needed to restructure the way I think about money and instead of spending it make it work for me.
Ray's Finance is a blog that will help you improve your personal finances.
Whether you want to save for a house deposit, need advice on which bank account to open/ switch to, finding the best deals for holidays or need general help on how to get started then this blog is for you.
I will share some my experiences to hopefully help you with your own financial situations.
If you would like to contact me, please send me an email to raymondlau783@hotmail.com.