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 […]

How much is your habit really costing you?

heap of coins

    You might not notice the little bit of money frittered away on nothing much each day but small spends make a bid difference over time. That single chocolate bar at lunch every day, the newspaper to catch up on the world’s happenings, the bottle of wine or two a week to wind down with […]

Why you should get out of debt (and stay that way)

Man holding an empty wallet

    There are many people who will find themselves in an endless cycle of debt throughout their lives and you might be one of them. You may have been brought up with it and think that it’s a normal part of living. Perhaps you don’t think twice about that car loan because, after all, […]

Why having the wrong mindset means you will never get out of debt

writing a cheque

    With so many people turning to credit cards and loans to maintain their lifestyles, it’s little wonder that having the wrong mindset means that debt will always be present in their lives. One of the main steps to getting out of debt is re-educating yourself as to how you view it. It’s easy […]