How to Switch Credit Cards the Right Way

plastic galore

  Not happy with your current credit card? With numerous credit card companies vying for consumer attention, you can opt for one that offers more favourable terms. When should you consider switching credit cards? Sometimes, we can get so used to using the same credit card that we don’t compare offers and rates with other […]

Living Below Your Means: Why Is Such An Easy Concept So Hard To Implement?

credit card debt payment

‘There is no dignity quite so important and no independence quite as impressive as living within your means’ – Calvin Coolidge Everyone knows that in order to be financially secure, you must spend less than you earn. This truth has been recognised and appreciated right from olden times. Why is it so difficult to actually […]

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 […]

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 […]