How Do I Find Money to Pay Off Debt?
There is one reason you are in debt – you spend more than you earn. It is not rocket science; it is a matter of first-grade arithmetic. If regularly spend more than you earn, you will be in debt. “Ah, now I understand’, you are thinking. ‘But if that…
Which Debt to Pay Off First?
After working out what debt you have, it is time to decide which debt to pay off first. There are different schools of thought, and various personal finance gurus will offer different counsel. I will not tell you what to do or which debt to pay off first –…
What Debt Do I Have (and five practical steps to work it out)
What debt do I have? Many readers ask this critically important paying-off debt question– having a clear picture allows you to calculate whether you can pay it off, and make decisions about specific ways to approach your debt and the order in which to tackle debts. Knowing how much…
Stocks and Shares ISA: Investing for Ordinary People
Do you have stocks and shares ISA? (If you don’t have one, you must open an ISA account promptly.) Statistically speaking, you probably don’t have stocks and shares ISA – in 2018-19, there were only 2.5 million investing ISA accounts in the UK. Furthermore, even if you have one,…
Five common mistakes when investing in stocks!
Trading stocks has become a lucrative income stream for many people, but what do you need to look out for? Is it really this easy to earn extra money? Here we want to introduce you to the common mistakes when investing in stocks. Why is it easy to make…
5 Lame Excuses so Women Don’t Invest
It is a sad fact that women invest less often and less – a recent poll found that 70% of women reported they have no investments. Couple that with us living longer and we have a serious problem. Many sisters will live in poverty when older and that is a…
Investing Tips for Absolute Beginners: Conquer Your Insecurity, Follow the Basics and Don’t Sweat the Maths
I remember trying to puzzle out investing and yearning for beginner investing tips to help me find my way through the maze of possibilities. I looked for investing tips in books and became more muddled by the complex maths and long and unfamiliar words. I searched for opportunities, and…
Debt Busting Tips: Seven Steps to Paying Off Debt
This post contains debt-busting tips on paying off debt and becoming debt-free. I have already shared the two levels of awareness of debt – the feelings one gets when one only suspects and the certainty of numbers, and the two mental shifts I found helpful when dealing with debt….
How to Pay off Debt (10 Savvy Steps for Fast Results)
You dream about debt freedom and the thing left to figure out is how to pay off debt. I get it. Dream, line and sinker. Living under a mountain of debt is stressful. For years Ostrich has been your favourite yoga pose. You have buried your head in Netflix shows,…
The Net Worth Pyramid and Why It Is So Important for You
In this post I share a simple idea to help you look at your net worth (your estate) and make decisions about improving it. The ‘net worth pyramid’ uses two characteristics of wealth – risk and liquidity – to bring some order into the uncertain territory of assets, investments, possessions…
How to Sort Out Your Pension with Ease and Efficiency
You know you should sort out your pension. I’m not talking only about the monthly sum going into your pension fund. Here, I’m talking about finding all these pension pots you forgot about long ago and finding the best deals around. Do you want to know how you can get…
9 Essential Starting Points to Paying Debt You Have Not Heard Mentioned
Congratulations! You have committed to paying debt. And this time is different, right? Still, you find yourself shrouded in confusion. Where do you start paying debt? What do you do first? I have been where you are now. Do you know what was the first thing I did when…