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Do you experience dread or feel a bit queasy when you think about your debts? Or worse, find it hard to sleep at night because of worrying about them? If so, you’re not alone. Debt has a nasty habit of making its victims suffer from stress, anxiety and even depression, all of which in turn can lead to sleep problems. If your debts are weighing heavily upon you, it’s probably for a good reason. Your subconscious mind could be telling you that “things aren’t right” with your finances. You might already be witnessing some warning signs like feeling guilty when...

When you’re trying to pay off debt, the last thing you should be doing is spending lots of money on presents. That might sound harsh (or even a bit mean), but the reality is that the more you spend money on things other than your debt, the longer you’ll be in debt for. Source What you should be doing and what you want to do however, are two very different things. Maybe you just enjoy gift giving? Or at the very least, you probably feel obliged to reciprocate when someone gives a gift to you. So is it possible to...

School holidays can bring about tears of joy or tears of frustration – and that’s just the parents! The last thing we need to be hearing is that over-used phrase ‘I’m bored, there’s nothing to do’ (said with an eye roll thrown in for good measure). While most of us will love having the children home for a week or more it can be an expensive week when school is on a break. It therefore makes sense to have a plan and look at how you can give them some treats but not break the bank. Here are some tips in...

I remember that one day in my life when I decided that I was going to tackle debt and live debt free, never to borrow again. You see, that was the actual decision that I’d put off for years. I used to get in debt, pay it off and then borrow again. It was a momentous moment where as a family, we discussed a future where we would live within our means, not use credit cards or loans and live without the misery and worry of debt. I think I felt ‘better’ from that moment. I wasn’t a penny richer and...

If you are taking a break from the rat race but still need to earn some money there are ways it can be done. Maybe like me you are having a long sabbatical whilst you decide what is next for you. We are living in times that are vastly different from our parents and now people often have more than one career. Or maybe you are a stay at home mum whilst your children are young. Balancing school and work is such a challenge especially during the school holidays that maybe it makes sense to be working for yourself. Over...

Now the weather is starting to warm up (very slightly!) you might be thinking towards your summer holiday. Maybe you’re super organised and already have your plans in place, but if you don’t, you might be thinking about how you could be saving money but still organise a great getaway. Here are some of our tips. – Be extra organised… Or extra disorganised! Luckily for both those who like to plan way ahead and those who prefer to leave things last minute, you’re both more likely to grab a good deal than someone who leaves a more reasonable about of...