‘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 […]
How to End the Debt Stress Spiral for Good
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 […]
How to Switch Credit Cards the Right Way
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 […]
How to Make Credit Cards Work for You
10 Painless Ways to Save Money
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 […]
Living Below Your Means: Why Is Such An Easy Concept So Hard To Implement?
‘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?
How To Create A Budget
Budget Sheet Template
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 […]