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 […]

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 […]

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 […]