‘Debt is the worst poverty’ – Thomas Fuller Having debts to pay is one of the biggest sources of stress. It can be daunting to think of a payoff plan when you are overburdened with debts. But nurturing a sincere interest to be debt-free is the first step in any plan. Decide to […]
Debt is up there with death and divorce as one of the major causes of negative stress. The feeling of being overwhelmed by debt causes physical and mental pain, from headaches and sleeplessness to panic attacks and nervous breakdowns. Debt enables us to have instant gratification of our wants – without having […]
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 […]
‘People used to live from pay cheque to pay cheque, now they live from credit card payment to credit card payment’ – Robert Kiyosaki Credit cards are consumer money tools that should be used for convenience and not as a quick-fix for buying things you can’t really afford. Here are 3 super tips […]
Saving money does not imply having to compromise on quality of life. Deciding to tackle existing debt through debt consolidation is one way of reducing outgoings but what is debt consolidation exactly? That might be a short term solution but for the longer term, saving money and ditching debt is the first step towards […]
‘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 […]
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 […]
Many of us have never been taught how to create a budget or been encouraged to learn how to budget our money. There is little wonder that so many now have issues when it comes to managing their household budget. Budgeting our money is a simple enough concept: we work out how much […]
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 […]
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 […]