What happens after the light bulb moment?

light bulb on blue background.

    When people share their stories about their debt-free journeys they often refer to their ‘light bulb moment’ but what exactly does that mean? Turning 18 is a definitive moment in time. It marks the transition between childhood and legally recognised adulthood. You can vote, you can get a mortgage, you can get credit. […]

Your 5-Step Plan to Financial Independence

stones

    Financial independence is not out of anybody’s reach. It doesn’t rely on big, fat wages from executive, well-paying jobs to create. Anybody from any walk of life with any income can become financially independent. No matter who you are or how much you earn, becoming financially independent takes planning and commitment and involves […]

Sacrifice your financial independence – or sacrifice for it instead?

the time is now

    The word ‘sacrifice’ conjures up many negative connotations of suffering and loss, but does it really have to be such a pessimistic abnegation when it comes to getting our finances in order? When dealing with our finances we often act in the here and now. We think of the debts we owe, the […]

5 Reasons To Become Financially Independent

Be Free

    Making the decision to become financially independent isn’t to be taken lightly. The chances are that in order to become financially independent you will need to make some changes both big and small. Becoming financially independent not only needs long-term planning and commitment but sacrifices too. Is it really worth it? Financial independence […]

Compound Interest Explained

coin stacks on white

    Compound interest will have a different meaning to you depending on whether you are a spender or a saver. Compound interest can be your worst enemy or your best friend. Here is the thing: How you treat compound interest is how compound interest will treat you in return. Make compound interest work for […]

Budget Sheet Template

Diary and calculator

      Use this budget template below as a starting point to help you to create your budget plan. You can use the budget sheet for inspiration to create your own budget plan, or you can download and adapt it for yourself using the Budget Template.   Category Estimated Amount (per month) Actual Amount (per month) Difference […]