How to Lose Weight for Free

The weight loss industry is worth billions of dollars per year. Every day more people are joining gyms, buying expensive diet supplements and investing in special low-fat foods. Not to mention all the “proven” books and courses. With this marketing frenzy you could be forgiven for thinking that if you want to lose weight you’re[…]

Read More

How to Budget for Groceries

When money is tight there are all sorts of expenses we can ignore for another day. Those shoes will last another few weeks yet. That vacation property will still be there next month. But groceries are rather different. After all we all need to eat. As a result when you’re taking control of your finances[…]

Read More

How To Get Out Of Debt When You’re Living Paycheck To Paycheck

There can be fewer more depressing experiences than finding yourself heavily in debt, but with no idea about how you’re going to pay it off. After all, when you’re living from paycheck and paycheck, barely making from one month to the next, finding money in order to pay off debt is virtually impossible. Virtually –[…]

Read More

What Does It Feel Like To Be Debt Free?

My debt problems started at university, when my bank offered me a credit card with a £10,000 limit. Unsurprisingly, as a fun-loving teenager enjoying my first taste of freedom it didn’t take long until debt became a way of life. I added student loans, an overdraft and an auto loan and before I knew it[…]

Read More

How To Recover After A Financial Setback

While we’d all like to think that achieving financial success was a predictable, reliable journey, the reality is often very different. Even the best of us who have gone out of our way to live a more frugal life, pay off debt and start investing in the future fall off the bandwagon from time to[…]

Read More

5 Reasons Not To Get A Second Job

If you’re heavily in debt – or have some serious savings goals – then it makes sense to try and earn as much income as you possibly can. After all, the more you earn, the sooner you can reach your target. Possibly the most obvious technique for earning more money is to take on a[…]

Read More

5 Reasons Why You Must Start Your Own Side Hustle Today

In personal finance terms, a “side hustle” is the phrase we use to refer to any extra source of income. Anything that brings in money above and beyond your normal job. For personal finance bloggers like me they’re second nature; for most of the population however they’re anything but. Today we’re going to look at[…]

Read More

How To Pay Off Debt When Everyone Else Is Getting Ahead

14a1d990c2a27e3236063e908d59d55943984953b6fea57727 It’s very easy to look at personal finance as some sort of race. We have (roughly) the same amount of time on this earth – but some of us accumulate far more wealth than others. These are the “winners” of the race, while other people struggle just to stay in the race. This is[…]

Read More

Should You Pay Off Debt Or Save Money?

One of the most commonly-asked questions I receive is whether someone should pay off debt or save money. It’s a question that I myself wrestled with for some time when I first started to take control of my finances. So I did a whole lot of research. I read books. I consulted other bloggers. I[…]

Read More

4 Simple Steps For Living A Debt Free Life

Getting out of debt is only half the battle; staying out of debt can be almost as problematic for many people. After all, when you’ve lived on a tight budget for months, or even years, to become debt-free it’s tempting when you finally hit zero to feel that the pressure is off. Finally you can start thinking[…]

Read More

Debt Free? 3 Reasons Why You Should Still Live Frugally

I remember when I finally bit the bullet and started to make serious inroads into paying off my debt. The first few months were tough, having to tell myself not to spend money on things I wanted. It took considerable self-discipline and I don’t mind admitting that I fell off the band-wagon several times in[…]

Read More

How To Control Your Emotional Spending

One of the most common financial problems involves so-called “emotional spending”. Most typically the phrase refers to people who use “retail therapy” to cheer themselves up, reward themselves or relieve boredom. Generally speaking, emotional spending is a response to a negative feeling. The problem with emotional spending is that it can lead to a negative[…]

Read More

5 Ways to Treat Yourself On A Tight Budget

From time to time we all need to let off a little steam and treat ourselves to something special. Even many diets include “cheat meals” so you can enjoy a little of something you enjoy. It makes perfect sense. When you try to be “good” the whole time – whether that involves eating right or[…]

Read More