Do you need help with budgeting? Are your finances in a mess? Have you lost track of what you are spending monthly? Are your credit card balances getting bigger each month? Sitting down and creating a budget is the first step to regaining control of your finances. The 40/40/20 budgeting rule is a simple way […]
Using a Disciplinarian to help you deal with debt Has your credit card and bank statement arrived after Christmas and have you realised how out of control your spending has been. You know this debt has to be taken care of, but you also know that unless you are held accountable, you will bury your […]
Avoiding Christmas Debt Are you at risk from getting into debt this Christmas? Are you one of these people that will go shopping and not even think about how much you have to spend, do you buy what you like and not what you can afford. Do you only think about the cost when your […]
Responsible Monthly Budgeting Is this you, you have you reached the end of another month with your finances in a mess because you have been irresponsible with your money management and spending this month. You have no responsible monthly budget. Had you been responsible you know you would have had savings at the end of […]