Hello everyone, I have a guest post today,  Jon writes at Money Smart Guides, a personal finance blog dedicated to helping readers get out of debt and start investing for their future. He has written a book, Seven Steps To Early Retirement, which breaks down early retirement into basic steps so that you can successfully retire early. Everywhere you go, you see various retirement articles telling you how much to save for retirement. One article will tell you that you need $1 million. Another article will tell you that you need $5 million. I don’t know about you, but the dif ..read more

If you’re out of work right now, you aren’t alone. Millions of Americans have had their lives and livelihoods upended by COVID-19. But just because you don’t have an active income doesn’t mean you can’t benefit from a budget: In fact, it’s even more important to have a financial game plan in place as you get back on your feet. Traditional budgeting dictates that you should spend no more than half your income on necessary expenses. But what do you do when that income is zero? Of course, you still need to cover non-negotiable costs like housing and food – and this is where “bare-bones budgetin ..read more

Hope you all had a good weekend! Mrs Scot and I spent the weekend enjoying the ‘crazy’ snow that London had to offer, we couldn’t help but laugh at how seriously some drivers take a little bit of snow. While I grew up in Scotland and learned to drive on ice, it is safe to say that a lot of London drivers have no idea what to do when the snow starts to lie. Some decide to drive faster to get home quicker and avoid it; others decide to drive at 20 miles per hour on the motorway because they are scared of it. Unfortunately the mix is very dangerous and leads to much frustration from all parties ..read more