For a while now I have been working on this series of blog posts entitled “Surplus”. One’s primary responsibility is to take care of oneself and fulfill any obligations and commitments that we have taken on. The remaining discretionary time, energy, resources and funds is our disposable TERF — our Surplus. Only you can decide what you want to do with it.
The current coronavirus — COVID-19 — provides an important example of why it is necessary to take our surplus into consideration when making our decisions. The virus brings on a new set of circumstances, along with the accompanying uncertainties. Those new conditions affect the appropriate decisions. For example, if your income declines and you do not have additional surplus set aside, adjusting to the virus is difficult. It is my hope that this blog series, “Surplus” will provide you with a better understanding of the nature and consequences of the concept, so that the choices you make will be better for you.