I won’t be surprised if there are literally millions who don’t know the reasons why you should prepare a budget. These people are more content in just spending money without following any budget. As far as they are concerned as long as they pay their major expenses then they don’t need any budget. It is …
Today we are going to discuss the best investments that will pay you monthly. I would imagine that the majority of us would prefer a monthly income as opposed to a yearly income. The monthly cycle has been baked into everything we do nowadays. Whether you are thinking of water and electricity bills all of …
One of the big headaches I found after leaving college was finding the best places to buy used furniture. Unfortunately, in the area I was living in, the places where I could get used furniture were limited. I remember that I only bought a bare minimum as I could not afford to pay for the …
In today’s post, we are going to discuss some amazing sinking fund categories and ideas that you can include in your budget. These tips will help you and your family as you plot your financial future compared to relying on credit cards or other debts for big expenses. However before we discuss this I just …
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The cash envelope system is a system in which you put aside the cash you intend to spend that month in envelopes based on your budget categories. In this post, I will focus more on the cash envelope system categories system for beginners. But before we go on to discuss the categories, let’s discuss a …
A few days ago, I found a post that had some amazing motivational debt free quotes. I immediately decided to find some quotes to share with my readers. The quotes are from politicians, ministers of religion, philosophers, etc. It is my hope that these quotes will go a long way in motivating towards the goal …
I am sure there are some who are wondering why I would bother to write an article titled, why should we save electricity. Electricity supply is something we take for granted and don’t even take time to consider where it is coming from. In the western world, the electricity supply is almost considered a right. …
Every day we see experts on TV chastising Americans for spending money as if there is no tomorrow. In such an environment, it is easy to develop a fear of spending money. It is easy to develop an obsession with our spending habits. When you reach a point where you are overanalyzing every purchase to …
In this post I just wanted us to discuss the future of work and how technology is affecting work. I came out of uni nearly twenty years ago and when I compare the technologies then to what we have today it is like day and night. When I started work you could notice that the …
I wanted us to deal with the issue of how to deal with creditors when you can’t pay. It may sound a remote possibility for many but events of the last few years have shown that no one is immune from this. It is therefore important that we all learn in advance on what we …