So, for whatever reason, you’ve decided to move out of your current living situation and set up on your own. What’s a good plan of action?
It would help if you had a reasonable budget - understand your current income and expenditures, which might include debt repayment, a car, various hobbies, eating out, mobile phones and [...]
In many respects overspending and overeating are likened to addictions. Indeed, for all I know they could be actual physical or psychological addictions.
overcoming addictions
With most addictions, received wisdom states that the only way of overcoming an addiction permanently is to entirely give up the substance that you are addicted to. There are various reasons why [...]
Making it automagical has got to be my favourite personal finance tip of all time. Prior to my conversion, I was often late with bills, not because I didn’t have the money, but because I’m a born procrastinator. Why do today, what you can put off until tomorrow? They’ll charge you for it, that’s why.
In [...]