6 weeks into lockdown and the inevitable cabin fever had well and truly set in. To alleviate some of the boredom, I finally started poking around in boxes that hadn’t been opened for years. What did I find? A bunch of items harking back to my spending habits of years before. A time when a regular pay cheque from a fairly stressful job encouraged me to treat myself each month – a ‘reward’ for all my hard work. An iPad mini, used only a handful of times. A dress with the tag still on it. Several items bought from holidays abroad (you know, those things you have to have to remind you of that incr ..read more

Have you ever lain awake in bed, wondering where the money for an upcoming bill or your future pension is going to come from? I certainly have. It’s no secret that money matters are a leading cause stress and anxiety. Apart from the rare meticulous planner amongst us, who can honestly say that they have never struggled to pay their bills, run short at the end of the month, or come up against an unexpected expense? Even if you are generally pretty good at managing your monthly income, you’ve probably worried about whether you have enough for your retirement or savings goals. Simply put – money ..read more

Want to start a blog? Want to start a profitable blog? Great! We’ve collated 10 of the most profitable blogging niches for 2020. Working from home or earning a side income is becoming more and more popular, and starting a profitable blog is one of my favourite ways to do it. Other than a laptop and an internet connection, you’re good to go. No need to buy inventory or expensive equipment. And after a good period of hard graft, your blog income can be passive. People usually start a blog for one of two reasons – for love, or for money. But I believe the recipe for real success is actually a co ..read more

The working landscape is changing. We no longer have one job for life that comfortably pays the bills, let’s us enjoy a nice house and save for a retirement filled with world cruises. Childcare costs are high, commute times are long, and we feel like we work harder for less money and free time. It’s no wonder over half of us are unhappy at work. So, we are turning to more enjoyable ways of working and for a lot of us, that means working for ourselves and working from home. Technology is making it easier. And it’s entirely possible to earn a full-time income from home, managing your own time ..read more

When you want to build a snowman, you start by forming a ball and then rolling it round and round in the snow until it gets bigger and bigger. Before you know it, you have a big ball of snow, enough to build the snowman of your dreams. Well guess what – the method you used as a kid to build the best snowman can also be used for paying off your debt. With the snowball method, your money will gain traction and grow, and grow, and grow until it pays down all of your debt and leaves you in a better financial situation than you ever thought possible. When should you start the debt snowball? You ne ..read more

As the world reels from the unprecedented financial chaos caused by the COVID-19 global pandemic, money matters have never been a more pressing concern. This economic collapse is causing even the most financially stable of families to think about money in a new way. More than ever, it is demonstrating the need for everyone to have an Emergency Fund. You might think, ‘oh, I’ll start saving for an emergency fund when I can afford it”. But the truth is, you can’t afford to not have an emergency fund. It can save you and your family from huge financial stress when you are at your most vulnerable ..read more

I know that sounds ridiculous, but honestly – getting rich is really simple. Anyone can get rich. Yet it feels so overly complicated. The tax system, the stock market, the get-rich-quick schemes that promise the world yet, strangely, never seem to pay out. It suits the banking giants and the stock market traders and the scam business owners to perpetuate this idea. Think about that for a second – those that are already pretty well-off, those that make a living making money out of us, and those that control the flow of money in their day-to-day working lives, want us to believe that it’s hard ..read more

Whatever your goal, there’s a personal finance book for it. These books have been hand-picked either because they are a favourite of mine, or because they have some pretty impressive Amazon reviews and ratings. Buy the paperback, the kindle version or the audiobook – how you read them doesn’t matter. Reading these books will make you money. That’s a big statement, but a true one. If you take on board the recommendations in these books, you will be able to save money, make money and know how to invest your money to turn it into thousands, or hundreds of thousands or even millions over your lif ..read more