FOR the financially conscious, there must be a reason behind every move. For assets such as appliances, gadgets and vehicles, it is ideal to have qualifiers in place to ascertain if one should proceed, defer, or forego the purchase.

Assets can either be income-generating or not. An asset is income-generating if most of its usage is to generate revenue. Ideally, a gadget must give both personal satisfaction and a possible income potential for the user. An example is a young professional that uses her laptop to sell online as a side hustle.