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. […]

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 […]

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 […]

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 […]