Build wealth. Love your life
I had to learn how to stop overspending, and I didn’t even realise I had been doing it. Yes, I would have been seriously offended if you had asked me ten years ago whether I was overspending. In my mind, I was living modestly. Then I kept a spending…
This is what to do when you have no money: Ensure you have food for three-four weeks. Negotiate all payments you have to make and ask for a ‘payment holiday’. Apply to all emergency money schemes for which you are eligible. Keep yourself clean, tidy, and presentable. Start earning money;…
Frugal living, for some, is as natural as breathing. They don’t need frugal living tips. They celebrate every penny saved, revel in every deal and glory in even the smallest money win. I’m not like that. Being frugal never rocked my boat. Until recently living a simpler life was…
I used to think that learning how to manage money wisely is about as exciting as watching snooker on TV. I also believed that money management and keeping track of money are miserable spoilsports. What can I say, I have a strong hedonistic streak – I believe it is…
Living a frugal life refers to being very rational and intentional with your spending. It involves prioritising your spending on things that matter the most and cutting back on those that don’t. Living frugally can have different meanings to different people. However, it does not necessarily mean choosing a…
Who isn’t looking for frugal tips to lower their energy bill, right? It is winter and the costs of energy are creeping up. And the higher your energy bills goes the lower your belly sinks because cash is tight, especially this winter. I know. I’ve watched our energy bills…
Creating and sticking to a budget on your own can be tough. Forming a working family-friendly budget for you and your significant other can be even more challenging. Yet, developing a budget for your entire family is another level of difficulty. Managing your family’s finances can present numerous issues…
Automate finances the right way by: Automating your savings; Partially automating your investing; Automating your fixed bills, and semi-automating your changeable spending; Leaving your variable spending manual. Automate your finances, they say. It is like getting your budgeting off the ground and putting the autopilot on – you can relax,…
Eating well for less is high on my mind at present. My inventory of spending for 2020 told a story of food bills that can be lower. Ten years ago our overspending on food was from waste; today this is not the case. Our compost contains proper waste. So,…
Here is the next instalment of operation ‘focus on money’ we at The Money Principle are conducting – this week, we inventory in detail our earning, spending, and net worth during 2020. Some of you perhaps committed to doing this with me, and now is the time to share…
Today I am starting operation ‘focus on money’. ‘But, Maria, you told us that now is not the time to worry about money; you told us we must focus on surviving the health pandemic instead.’ Yes, I did tell you so, friend. And I meant every word I said….
This is an essentialist guide to credit score. You will learn what is a credit score, who uses it for what decisions, and what can you do to improve your credit report. I may be the only personal finance blogger who had absolutely no idea what is her credit score….